<img height="1" width="1" style="display:none" src="https://www.facebook.com/tr?id=847793522993362&amp;ev=PageView&amp;noscript=1">

Merger Conversion Hub

Everything you need to know about the upcoming merger between CCCU and KaiPerm NW Credit Union.

Download the Merger Conversion Guide below. 

Tips For Ensuring a Seamless Banking Experience:
When visiting a Shared Branch location be sure to mention you are from Consolidated Community Credit Union and have your account number and valid ID ready. 
•Be sure to download the NEW ConsolidatedCCU Mobile app from your device’s app store. Please delete the PFCU app, as that is no longer operational as of 06/01.
•Ensure your mobile device’s software is up-to-date for uninterrupted use of the CCCU Mobile Banking app.
•To activate your debit card or set your PIN, please call: 800-992-3808.

Website Alert Banner - Exclamation (white)

If your mobile number is on file with KaiPerm, CCCU may text you with important account action items.
We will never ask you to click links or share personal information by text or phone.
Text messages will come from the main CCCU number: 503.232.8070. If you have concerns about the legitimacy of a message or call you receive, please contact us at 800.444.8115, option 5.

CCCU + Kaiperm Logo-01
Merger Page icons_announcement-1

Disruption Notices

 

Merger Page icons_account

New Routing & Account Number

Merger Page icons - cards

Debit and Credit Cards

 

Merger Page icons_rates

Consumer Loan Payments

 

Merger icons news

Direct Advantage 
Discontinued

Merger Page icons_cash-01

Early Direct Deposit

 

Merger Page icons_branches

Shared Branches

 

Credit Union

Branch Updates

Merger Page icons digital banking2

First-Time Online Banking Login

(Starting on August 3)

Merger Page icons_hub

Digital Banking Hub

Merger Page icons_guide

Merger Conversion Guide


Important service disruption notices

 

Date
Branches
Online & Mobile Banking
Call Center
Date
Friday (7/31)
Branches
Main: 9 a.m. - 5 p.m. Westside: Closed
Online & Mobile Banking
Closed 2:30 p.m.
Call Center
Open 9 a.m. - 5 p.m.
Date
Saturday (8/1)
Branches
Closed
Online & Mobile Banking
Closed
Call Center
Closed
Date
Sunday (8/2)
Branches
Closed
Online & Mobile Banking
Closed
Call Center
Closed
Date
Monday (8/3)
Branches
Open 9 a.m. - 5 p.m.
Online & Mobile Banking
Available 9 a.m.
Call Center
Open 8 a.m. - 6 p.m.

 

Service availability for conversion weekend

Bill Pay & Zelle

The last day to register for Bill Pay and Zelle® is July 23, 2026. The last day to access and schedule payments is July 27, 2026. Previously scheduled payments will process normally. 

Debit Cards

Available.
 
 

Credit Cards

Available.
 
 

ATMs

Available.
 
 

6@2x

New routing & account number

To set up new electronic payments or deposits on or after August 3, you will need two numbers: 
 
The new CCCU Routing Number:
323075136

The ACH Account Number: 
This unique number for your Savings or Checking Account can be found in the new Online Banking or in the CCCU Mobile Banking App.
 


How to find your account number beginning August 3, 2026:

For Desktop:
1. In the dashboard, select an account
2. Click 'Account Details' in the middle of the screen
3. Scroll down to 'ACH Account Number'

For Mobile:
1. Select an account
2. Tap 'Account Details' in the middle of the screen
3. Scroll down to 'ACH Account Number'

Debit & ATM Cards

Beginning August 3, 2026, all current KaiPerm branded debit cards will become inactive. If you have a checking account, you will receive a new debit card to replace the old one.

Your new debit card will begin working on Monday, August 3 at 7 a.m.

If you have only a savings account, you will receive an ATM card instead of a debit card.

Tap to Pay Enabled

Quickly and securely pay with a simple tap wherever you see the Contactless Symbol.

Card Controls

Lock or unlock your card, set spending limits, and get realtime alerts in the new CCCU online and mobile banking platforms.

Digital Wallet Ready

Add your card to your mobile wallet for fast, convenient purchases - no physical card needed.

Visa Credit Cards

Your KaiPerm credit card will be replaced with a new CCCU credit card. Here are some important milestones to keep in mind to ensure a smooth transition as we approach our August 3, 2026, conversion date.

Credit Card Activation

Activate your CCCU credit card on Monday, July 13th. 
If you activate it early, and try to use it, your purchase will be declined. 

Continue using your KaiPerm credit card through July 12, 2026.

Please do not activate your new CCCU credit card until July 13, 2026. If you activate it early and try to use it, your purchase will be declined.
 
 

Account Access & Bill Pay

 CCCU Online Banking access begins August 3, 2026.  

 You can view transactions and make payments starting August 3, 2026, through CCCU Online Banking, Bill Pay, or by phone. 

 Your final KaiPerm credit card statement will arrive after July 13. 

Balance & Payments

 Your first payment with CCCU is due August 9, 2026.  

 Continue sending payments to KaiPerm until August 3, 2026. After August 3, send payments to CCCU. Your existing balance will automatically transfer to your new CCCU credit card. 
 
 Auto-pay settings will not transfer over. You will need to set them up again with your new CCCU credit card. This includes subscriptions, monthly bills, and any recurring charges tied to your KaiPerm credit card. 

Consumer loan payments

Effective August 3, 2026, please direct physical consumer loan payments or deposits to:

Consolidated Community Credit Union
1033 NE 6th Ave.
Portland, OR 97232
 
This includes Auto, RV, Personal Loans and Lines of Credit, Home Equity Loans and Line of Credit, and Mortgage Loans.

Direct Advantage discontinued

Direct Advantage is being discontinued as of August 1, 2026. If you are a Direct Advantage member, the following features will be discontinued: 

Courtesy Pay: Courtesy Pay, which covers overdrafts when funds are insufficient, will be discontinued effective August 1, 2026.

2% Loan Rate Discount: Existing loans will keep their current rates; however, the 2% loan rate discount will no longer be offered for new loans.

Loan Applications: All new loans will now require a credit application.

Updated Fee Structure: All members will move to a simplified, standard fee structure. You’ll find the new fees are lower than most Direct Advantage fees!

Special Dividend Rates: Special dividend rates on checking and savings accounts will be discontinued.

In addition, all Direct Advantage Checking Accounts will transition to Ascent Checking Accounts, where you can earn a higher APY* on balances up to $20,000 with monthly direct deposit and minimal requirements.

Setting-up-Direct-Deposit

Early Direct Deposit

Starting August 3, 2026, if you have direct deposit with your checking or savings account, you’re automatically enrolled in Early Direct Deposit – a free service that delivers your funds up to 2 days faster!* Just sit back, relax, and get your funds ahead of schedule.

*You may receive a direct deposit up to two (2) days early with Early Direct Deposit or depending on when your employer/payer provides us the information, and if 1) you have a checking or savings account with us, and 2) a recurring qualifying direct deposit. It is at our discretion to identify which recurring direct deposits are eligible for Early Direct Deposit. We cannot guarantee that you will receive the Early Direct Deposit service due to unanticipated circumstances. Early Direct Deposit is automatic and it’s a free service.


Shared Branches

Starting August 3, 2026, you'll gain access to a nationwide network of over 5,000 cooperative credit unions, allowing you to handle your everyday banking needs in person at thousands of participating branches. 

Finding a shared branch

Enter a Zip Code into the Shared Branch Locator to display a map of Shared Branch Locations. You can also find surcharge-free ATMs.

How it works

When visiting a Shared Branch location, there are a few things you should have ready to help ensure there are no delays with your service:

  1. Let them know you're with Consolidated Community Credit Union.
  2. Have your Member Account Number ready.
  3. Provide a valid government-issued photo ID.
Screenshot 2026-06-05 170027

Branch updates

Changes coming to KaiPerm branches, effective August 3, 2026. 

KaiPerm Portland Branch

 
Branch hours will change to:
Monday-Friday
9:00 a.m. - 5:00 p.m.
 
 
 
 

KaiPerm Hillsboro Branch

 
Branch hours will change to:
Monday-Friday
9:00 a.m. - 5:00 p.m.
 
Hillsboro branch will become an ITM Only location.

What is an ITM?

Interactive Teller Machines (ITMs) provide all the familiar ATM services with the added benefit of being able to speak to a real teller to help with your transactions.
ITMs make banking simple and flexible, offering a
wide range of convenient services, including:
 
ITMs make banking simple and flexible, offering a wide range of convenient services, including:

• Cash & Check Deposits
• Cash Withdrawals
• Issue Cashier’s Checks
• Loan Payments
• Account Management
• Account Transfers
• And so much more!

First-time Online Banking login

Starting August 3

After the conversion takes place, you will need to set up a new password in order to access the CCCU Online Banking platform. Consult the following tutorial video, or written instructions, for help getting signed in:

 

1. Navigate to Online Banking:

To begin, visit consolidatedccu.com and navigate to the ‘Login’ button in the top-right corner of the page. From the login drop-down, click the ‘Forgot Password’ link.

2. Accept Disclosure:

Once you are redirected to the ‘Forgot Password’ portal, read and agree to the ‘Forgot Password Disclosure’ and then click ‘Continue’.

3. Verify your identity:

Verify your identity by entering your current KaiPerm username, your full SSN, date of birth and any of the three following questions: Zip Code, Email or last name. Once the form is complete, click ‘Continue’.

4. Complete two-step verification:

Select SMS Text or Voice Call to receive a text or call with your security code to complete the password reset. Click ‘Continue’, then complete the Verification Process by entering the six-digit code from the phone call or text message. Click ‘Verify’ to continue.

5. Create new password:

Create a new password and enter it again to verify. Click ‘Continue’ to complete the change password process. You can now access Online Banking!


Frequently asked questions

Why is KaiPerm NW Credit Union merging with Consolidated Community Credit Union?

Due to the ever-changing landscape of the financial services market, the Board of Directors and management of both credit unions thought this was the best path to continue meeting the financial needs of our members. CCCU can support our organization as we continue to grow and evolve, helping us market to our community, implement new technologies and provide operational and administrative guidance. This support will ultimately translate into a deeper product and service mix for our membership.

This is a very positive event for both our credit unions, and our Board and management teams are excited to watch the evolution of the new combined organization.

How long has Consolidated Community Credit Union been around?

CCCU was originally formed by the employees of Consolidated Freightways in 1954. Now they serve over 20,000 members and have over $490 million in assets, serving members in all 50 states.

Why partner with Consolidated Community Credit Union?

CCCU’s alignment with our credit union’s culture is a testament to our shared commitment to member service. Their dedication is reflected in the extensive range of top-notch products and services they offer. What’s more, our collaboration has expanded member access to a vast network of physical branches nationwide, ensuring convenience in financial transactions through CO-OP Shared Branching. Our 20-year partnership with CCCU has been incredibly fruitful, particularly in supporting our employees and members with their residential and commercial real estate financing needs. This synergy has not only strengthened our operations but also reinforced our mission to serve our community with excellence. 

Do I need to refinance my loans?

No, your loan terms will not change and none of our loans will be sold. Members will continue to make payments to the credit union, as normal. 

How does the merger impact the current credit union employees?

A credit union merger is a significant event that often brings change, and with it, opportunities for growth and collaboration. Our focus is on carefully evaluating the needs of the combined organization and considering how to best align talent and resources. Our goal is to thoughtfully approach this process and look for ways to retain valuable experience and knowledge wherever possible. 

How long does the merger process take?

All KaiPerm members will be migrated to CCCU’s systems during the system conversion on July 31, 2026. 

Who is Consolidated Community Credit Union?

They are a full-service credit union that was originally chartered in 1954 to serve the employees of Consolidated Freightways. Today, anyone who lives, works, worships, owns a business, or goes to school in either Multnomah, Washington, Clackamas, Columbia, Hood River, Yamhill, Clark, or Skamania counties is eligible to join CCCU. Potential members across the country can also join through our association membership program. We encourage you to visit their website at www.consolidatedccu.com to learn more about the credit union and the products and services they offer. 

Is Consolidated Community Credit Union financially secure?

Yes, CCCU was ranked in the Top 100 for top-performing credit unions in the United States by S&P Global Market Intelligence. They rank at number 47 overall and number 2 in Oregon for financial stability. 

Will the current credit union branches remain open?

Yes, all current KaiPerm branches will remain open, and you will gain access to CCCU’s existing branches after the system conversion on July 31, 2026. 

New KaiPerm Branch Hours & Services Effective August 3, 2026:

Main Branch Hours
Monday – Friday
9:00 a.m. – 5:00 p.m.

Westside Branch
Availability:
July 27 - 31: Closed
August 3: Open as ITM only location
 
ITM/Live Teller hours Effective August 3:
Monday – Friday
9:00 a.m. – 5:00 p.m.
24-hour ATM Access
Is my account still insured?

Yes, CCCU is federally insured by the National Credit Union Administration (NCUA) just like our credit union and you will continue to have the same share insurance up to $250,000. 

How can I stay informed about this merger?

To stay informed about the merger, please visit our dedicated website page at consolidatedccu.com/kaiperm for the latest updates. This resource is designed to provide you with all the necessary information, including timelines, changes to services, and any actions you may need to take. It’s a one-stop-shop for all merger-related news, ensuring you’re always in the know as we move forward with this exciting transition. 

Questions?

We're here to provide you with an outstanding banking experience.
Call 1

Call or Text

Monday - Friday
9:00 am - 5:00 pm (PT)

View Our #s
Email 1

Email

Please do not include personal info like your account # or SSN.

Fill Out Form