At a glance
From its website, read 2 Nov 2026Consolidated Federal Credit Union is a credit union based in Portland, Oregon. Its website describes auto loans, home mortgages and small-business loans. Business loan rates stated on its site range from 10.65% to 17.95%. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Toll-free | (800) 444-8115 source |
|---|---|
| Lending | (503) 797-7561 source |
| Lending | (503) 797-7575 source |
| loans@consolidatedccu.com source | |
| Apply online | Page with the application link |
| Website | www.consolidatedccu.com |
| Office (official list) | 1033 NE 6th Ave., Portland, OR 97232 |
What their website says about applying
Once you have logged in, visit the 'Apply' tab located in the top menu.
source30 days worth of pay stubs for each applicant
sourceW2's for the past 2 years
sourceNew business members will need to complete a membership application
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Small-business loans | Rate: 10.65%–17.9% | Variable 10.65% - 17.90% | source |
| Small-business loans | Rate: 11.65%–15.9% | Variable 11.65% - 15.90% | source |
| Small-business loans | Rate: 12.95%–17.95% | Fixed 12.95%- 17.95% | source |
| Auto / vehicle loans | Term: see their wording | We offer loan terms up to 84 months. | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Membership required
Membership eligibility required.
source - Minimum credit score: 640
Credit score of 640 or higher
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 24 May 2018 |
| RSSD ID | 127288 |
| Address | 1033 NE 6th Ave., Portland, OR 97232 Directions (Google Maps) |
| Website | www.consolidatedccu.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. No loan amount ranges, service area, borrower focus or non-English languages are stated on the pages fetched. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Hit the open road with confidence! Our auto loan options offer the competitive rates and flexible terms you're looking for. | source |
| Home mortgages | — | If you're looking to buy a home that requires a mortgage over $806,500 CCCU's Jumbo Loan could help. | source |
| Small-business loans | — | Manage cash flow gaps, unexpected expenses, emergencies, working capital, or new growth with a CCCU Business Line of Credit. | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Start your Auto Loan application
source
Pages read (7)
- https://www.consolidatedccu.com/
- https://www.consolidatedccu.com/knowledge/what-are-your-auto-loan-rates
- https://www.consolidatedccu.com/knowledge/how-are-your-rates-determined-for-business-loans
- https://www.consolidatedccu.com/auto-loan
- https://www.consolidatedccu.com/jumbo-loan
- https://www.consolidatedccu.com/business-credit-cards
- https://www.consolidatedccu.com/business-line-of-credit
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and home mortgages?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - Do you offer down-payment help, and is a homebuyer education course required?
CDFI home loans often come with homebuyer education or down-payment help; their website does not say. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$4.2 million in 6 awards from the U.S. Treasury's CDFI Fund, 2018–2024 (CDFI Program, Financial Assistance; CDFI Program, Technical Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $800,000 |
| 2022 | CDFI Program, Technical Assistance | $125,000 |
| 2021 | CDFI Program, Financial Assistance | $590,000 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2021 | CDFI Program, Technical Assistance | $125,000 |
| 2018 | CDFI Program, Financial Assistance | $700,000 |
Emergency Capital Investment Program (ECIP)
Treasury invested $24.5 million in this institution under ECIP, by buying preferred stock or subordinated debt (an investment, not a grant; it is not counted in the award total). ECIP type on the list: CDFI. Source: U.S. Treasury ECIP participant list (last updated Mar 2025), downloaded 3 Nov 2026.
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as CONSOLIDATED (charter 9292). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $833.7 million (as of 30 Jun 2026) |
|---|---|
| Members | 38,069 (as of 30 Jun 2026) |
| Offices | 5 (as of 30 Jun 2026) |
Offices by state and county (5)
Oregon (5 offices)
- Hood River County (1): 1206 12th St, Hood River 97031
- Multnomah County (3): 1033 NE 6th Ave, Portland 97232 (main office); 1535 NW 21st Ave, Portland 97209; 2021 NE Sandy Blvd, Portland 97232
- Washington County (1): 9205 SW Barnes Rd, Portland 97225
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Consolidated Federal Credit Union (NCUA charter 9292, filed as “CONSOLIDATED”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $525.8 million, 16,608 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 12.3% from $468.1 million on 30 Jun 2025 |
| Members | 38,069 (as of 30 Jun 2026); 33,745 (as of 30 Jun 2025) |
| Loans per member | $13,813 (total loans divided by members, 30 Jun 2026) |
| Total assets | $833.7 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $16.8 million | 3.2% |
| Used vehicle loans | $23.2 million | 4.4% |
| First-lien home mortgages (1-4 family) | $170.7 million | 32.5% |
| Other real estate loans (junior liens, other) | $203.5 million | 38.7% |
| Commercial (business) loans | $84.5 million | 16.1% |
| Credit cards | $9.1 million | 1.7% |
| Other unsecured loans | $14.1 million | 2.7% |
| Leases and other secured loans | $3.8 million | 0.7% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025Consolidated Federal Credit Union reported 411 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $67.3M (median loan about $125,000). 60 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 60 | 15% |
| Refinance (incl. cash-out) | 47 | 11% |
| Home improvement | 179 | 44% |
| Other purpose | 125 | 30% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 411 | 100% |
Included above: 411 home-equity or other open-end lines of credit; 6 loans on manufactured homes.
Where the loans were made
Counties with the most 2025 originations, out of 49 counties with at least one; 81% of its 2025 loans were for properties in Oregon:
- Multnomah County, OR (137)
- Clackamas County, OR (64)
- Washington County, OR (59)
- Hood River County, OR (38)
- Clark County, WA (24)
- Klickitat County, WA (7)
- Lane County, OR (6)
- Marion County, OR (6)
Filed under LEI 549300KZVCKCUN23YY80 as “Consolidated Community Credit”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $833.7 million | Larger than 71% of the 7 other certified credit unions in Oregon (median $385.1 million). |
| Loans as a share of assets | 63% | Median of the same 7 credit unions: 71%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $468.1 million → $525.8 million (+12%) | Median change of 7 other certified credit unions in Oregon: +4%. Rank by loans held among these 8: 3 → 3. |
| Home loans originated in 2025 (HMDA) | 411 | More than 84% of the 263 other certified CDFIs that reported 3 or more (119 at the median). Volume only; nothing here is an approval rate. |
| Business loan rate its website stated (2 Nov 2026) | 10.65% to 17.95% | Prime rate that day: 7.00% (FRED DPRIME), so the lowest stated rate is 3.65 pts above prime. For an SBA 7(a) variable-rate loan the legal maximum is prime plus 3 to 6.5 points, by loan size. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in Oregon | 7 | larger than 71% |
| Loans held then vs now | certified credit unions in Oregon reporting both dates | 7 | rank 3 → 3 of 8 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 84% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
Same loan type, nearby, lower stated rate
Certified CDFIs whose head office is within 50 miles of this one and whose own website states a starting rate at least 0.5 points lower for the same loan type. Consumer loans count only where both lenders state an APR. A starting rate is not an offer: ask each lender what you would pay, and check that it lends where you are (credit unions also require membership).
- Small-business loans (this lender states from 10.65%): Craft3 from 7.50% (2 mi, read 29 Oct 2026)
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data. Prime rate: FRED DPRIME. Stated rates: each lender's own website, read on the date shown.
Other certified CDFIs in Portland and Oregon
- Craft3Loan fund · Portland, ORCommercial real estate loans, Equipment loans, Home repair / improvement loans, Small-business loansVerified
- Habitat for Humanity of Oregon , Inc.Loan fund · Portland, OROfficial list only
- HDC Community Fund LLCLoan fund · Portland, ORAffordable housing development loans, Nonprofit / community facility loansVerified
- Ironworkers USA Federal Credit UnionCredit union · Portland, OROfficial list only
- Network for Oregon Affordable HousingLoan fund · Portland, OROfficial list only
- Point West Credit UnionCredit union · Portland, ORAuto / vehicle loans, Credit-builder loans, Small-dollar / emergency loans, Home mortgages…Verified
- Portland Housing CenterLoan fund · Portland, ORHome mortgagesVerified
Work at Consolidated Federal Credit Union? Link to this page
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CDFI Atlas is not a lender and does not give financial advice. Inclusion is not an endorsement, and lenders have not reviewed or approved these pages. Disclaimer.