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.

Merger Guide PDF

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.

Latest News

Jump to Section

Visa Cards

Jump to Section

Shared Branches

Jump to Section

FAQs

Jump to Section

Latest News

Merger Conversion Guide Available – 5/27/26 Update

The Merger Conversion Guide is now available. You can view or download the PDF file here.

This guide is a fantastic resource to help keep you informed about the upcoming merger.

What Members Should Know – 4/14/26 Update

As part of our merger with Consolidated Community Credit Union (CCCU), we will be completing a planned system update. Most members will not notice any changes until August 3, 2026, and we want to share what to expect ahead of time so there are no surprises. This update helps bring our organizations and systems together and allows us to better serve you going forward.

Merger Conversion Guide
You will receive a Merger Conversion Guide by email or mail. This guide will be your main resource for merger details and will also be posted on this page once available.

KaiPerm Merger Hub
Continue to visit this page for the latest updates, timelines, and resources.

Update Contact Information
To make sure you do not miss important updates, please take a moment to confirm your contact information is up to date in Online Banking or by contacting a Member Service Representative.

We’re Here to Help
If you have questions, please call 971.266.4900

Merger Approved! – 07/16/25

The results are in! After tallying all of the ballots cast by KaiPerm NW Federal Credit Union (KaiPerm Credit Union) members voted in favor of the merger with Consolidated Community Credit Union (CCCU). With this stamp of approval from our membership and board of directors, we are excited to start the next phase of this transition: combining resources and talent to enhance systems and products for all members.

What are the next steps?
Although the merger will be official January 1, 2026, members will not experience any account changes until the system conversion which is expected to be completed in July 2026.

To help prepare for a smooth conversion, please keep your contact information up-to-date to ensure you never miss an important communication regarding the merger and your accounts. Communications will be sent via letter and/or by email. We will also continue to post updates here throughout this transition, so be sure to check in often.

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.

Activation is not available before this date.

Your CCCU credit card will be mailed to you on June 15, 2026, and should arrive within 5-7 business days.

Activate your new CCCU credit card on July 13, 2026. Your current KaiPerm credit card will continue to work until 11:59 PM PST on Sunday, July 12. Please continue using your KaiPerm credit card until then.

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.

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:

Let them know you're with Consolidated Community Credit Union.
Have your Member Account Number ready.
Provide a valid government-issued photo ID.

Learn More

Message from the CEO

“Both KaiPerm and CCCU share a strong commitment to their members, driven by the core belief in empowering them to achieve their financial goals. Merging our two, like-minded credit unions affords more innovation, growth opportunities and financial stability for the combined organization. I have tremendous respect for CCCU’s leadership team and look forward to seeing what we can achieve as we grow healthier together.”

– Ed Waite, KaiPerm CEO

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 or Text

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

View Our #s

Email

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

Fill Out Form