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Consolidated Federal Credit Union

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Consolidated Federal Credit Union Rates & Review April 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Consolidated Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 25, 2026

You can compare Consolidated Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 0.25%, 6-month share certificate rates at 3.55% and 3-month share certificate rates at 0.05%. Savings rates are at 3.60% and money market rates are at 0.01%. Mortgage rates on 30-year fixed loans are around 5.91%. All these rates can be compared to Consolidated Federal Credit Union rates. MonitorBankRates evaluates the financial stability of Consolidated Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.75%. Rates were last updated on 04/25/2026.

Consolidated Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Consolidated Federal Credit Union? Share your experience about Consolidated Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Consolidated Federal Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.75%

Excellent Lower than avg

Consolidated Federal Credit Union
Admin

1033 NE 6th Ave
Portland, OR 97232 2017

https://www.consolidatedccu.com

Consolidated Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
HELOC	-	-	3.99%
Details Intro rate expires: 12 months; Rate will revert to standard HELOC rate after promotional period and then adjust based on your current interest rate structure once every quarter, 5 or 15 years based on Prime, currently 6.75%, with a maximum rate of 18% as of 12/11/2025, and are subject to change. Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Consolidated Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Consolidated Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Consolidated Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Consolidated Federal Credit Union

Website https://www.consolidatedccu.com

Address 1033 NE 6th Ave, Portland, OR 97232 2017

Phone 503-232-8070

Fax 503-963-6698

President Martin Osborne

CEO Larry Ellifritz

Full-Time Employees 91

Part-Time Employees 2

Branch Locations 5

ATM Locations 4

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.75%

Return on Assets (ROA)

0.6883%

Return on Equity (ROE)

4.3422%

Non-Performing Loans Ratio (NPL)

0.17%

Total Assets

687,721,844

Total Amount of Shares and Deposits

572,926,108

Total Shares and Deposits < 1 Year

562,643,544

Total Shares and Deposits 1 3 Years

8,666,911

Total Shares and Deposits > 3 Years

1,615,653

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

42,209,177

Total Uninsured Shares and Deposits > $250K (F+J)

42,209,177

Total Insured Shares and Deposits > $250K (item 17 less item K)

530,716,931

Total Interest Expense (Sum of items 6 8)

7,984,502

Share Certificates

1,556

Number of Accounts for Share Drafts

21,227

IRA KEOGH Accounts

643

Number of Accounts for Regular Shares

41,408

All other shares

Non Member Deposits

Money Market Shares

2,228

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

91,862,057

Total Liabilities

605,378,964

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for Consolidated Federal Credit Union yet. Feel free to create one below.

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Total Reviews

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Frequently Asked Questions About Consolidated Federal Credit Union

Is Consolidated Federal Credit Union a safe place to deposit money?

Yes, Consolidated Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 0.74709785768283%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Consolidated Federal Credit Union operate?

Consolidated Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Consolidated Federal Credit Union?

Yes, to access services at Consolidated Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Consolidated Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Consolidated Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Consolidated Federal Credit Union offer online and mobile banking?

Most modern institutions like Consolidated Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.consolidatedccu.com.