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.

How to find your account number beginning August 3, 2026:
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.
If you have only a savings account, you will receive an ATM card instead of a debit card.
Quickly and securely pay with a simple tap wherever you see the Contactless Symbol.
Lock or unlock your card, set spending limits, and get realtime alerts in the new CCCU online and mobile banking platforms.
Add your card to your mobile wallet for fast, convenient purchases - no physical card needed.
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.
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.
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:
Changes coming to KaiPerm branches, effective August 3, 2026.
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.
Once you are redirected to the ‘Forgot Password’ portal, read and agree to the ‘Forgot Password Disclosure’ and then click ‘Continue’.
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’.

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.
Create a new password and enter it again to verify. Click ‘Continue’ to complete the change password process. You can now access Online Banking!
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.
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.
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.
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.
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.
All KaiPerm members will be migrated to CCCU’s systems during the system conversion on July 31, 2026.
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.
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.
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.
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.
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.