<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

Download the complete Merger Conversion Guide below.

Key Information

 

Merger Status

PFCU and CCCU Officially Merged on January 1, 2025

After PFCU members voted in the fall of 2024 to overwhelmingly approve the merger with CCCU, the companies merged on January 1. We kicked off the merger celebration by introducing two new products: Apex Checking, our high-yield checking account, and Mega Money Market. We are now preparing for System Conversion, which is set for June 1, 2025.

Get Prepared

Banking Systems Converge on June 1, 2025
 
As we make final preparations for our banking system converging with CCCU’s, some necessary disruptions to Bill Pay and Online/Mobile Banking will be taking place from May 22 – June 2.

View and download our Merger Guide PDF below, and Consult the timeline and action items below to better prepare yourself for this change.

 

Conversion Timeline

Loan Payment Page Icons-03

Changes for PFCU Visa Cardholders

Online-Banking-1

New Digital Banking Experience

Monday, June 2, 2025 (9 am PST)

Branch-Locations

New Branch Locations

Monday, June 2, 2025

After the merger, you will have access to our new Portland and Hood River branch locations, as well as the CO-OP Shared Branching network.

Brand Refresh

A New Look Rooted in Our Legacy

We know the Providence Federal Credit Union name and brand carry deep meaning for many of our members—it’s a symbol of the trust and connection we’ve built together for over 60 years. That’s why, as we grow alongside CCCU, we’ve worked thoughtfully to create a refreshed logo that feels new and forward-looking, yet still familiar.

To honor our shared history, we’ve preserved the recognizable ‘P’ icon, selected the predominate brand colors from both organizations, and updated the typeface to reflect a modern identity that aligns with CCCU’s collateral. You’ll also notice a small but meaningful change in the wording: “Federal Credit Union” is now “Credit Union of CCCU.” This keeps the focus on our identity as a credit union while distinguishing Providence Credit Union as a division of CCCU.

Member Benefits

Exciting changes starting June 2, 2025.

Unlocked-1

Access to Thousands of Branches

You will have access to over 5,000 credit unions nationwide, through Shared Branching, to make: deposits, withdraws, loan payments, and more.

Share 1

Enhanced Products & Services

Our focus is on elevating your experience and providing benefits that truly make a difference. We’ll be able to offer High-Yield Checking Accounts, business lending, IRAs, and more.
Text 1

Elevated Digital Banking

You receive technology that promises to bring even more innovative digital tools to enhance your banking experience. With Zelle®, you can send money to friends and family quickly and securely, even if they bank somewhere else. Learn More
Organizations Helped 1

Broader & Stronger Community Impact

With a shared vision, we will provide even more philanthropic efforts, and active volunteerism. Together, we will make strides towards a brighter, more inclusive future.

Deposits

Information on changes to your deposit accounts and how to navigate them, starting June 2, 2025.

Debit & ATM Card

Beginning June 2, 2025, all current PFCU 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, June 2 at 7 a.m.

  • If you have only a savings account, you will receive an ATM card instead of a debit card.
  • If you have multiple checking accounts, we will be reaching out to you soon to explore the best options for you.

The ATM withdrawal limit on your new debit card is the same. However, the point of sale (POS) limit on your new card is decreasing from $7,500.00 to $5,000.00 a day. You may use your ATM or debit card, free of charge, at terminals participating in The Star System, Plus System, Co-Op, CIRRUS Network, and all CCCU and PFCU terminals.

Please note that access to Allpoint and MoneyPass ATMs will no longer be available starting in June.

Overdraft Changes

Courtesy Pay is being discontinued as of June 1, 2025.

If you have accounts or personal loans linked as an overdraft transfer source, those accounts will remain linked. If we need to transfer funds from a linked account to cover an item, we will transfer in $25.00 increments from deposit accounts and $100.00 from loans.

NEW Payments and Deposits on or after June 2, 2025

Beginning June 2, 2025, all new (not currently set up) electronic ACH deposits, payments, and wire transfers must use the new CCCU Routing Number and Account Number.

To set up NEW electronic payments or deposits on or after June 2, you will need two numbers:

  1. The new CCCU Routing Number: 323075136
  2. 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.

Account Numbers

For most of our members, there will be no change to their account number.

If you happen to be in the small group of members who will experience a change, there will be a separate communication notifying you of the change.

How to find your account number in the new Online Banking platform beginning June 2, 2025:

DESKTOP:

  1. In the dashboard, select an Account
  2. Click ‘Account Details’ at the top-right of the screen
  3. Scroll down to ‘ACH Account Number’

MOBILE:

  1. Select an Account
  2. Click ‘Show Details’ at the top of the screen
  3. Scroll down to ‘ACH Account Number’

Routing Number: The new CCCU Routing Number is 323075136

Existing Transfers

Internal and External automated, recurring transfers set up directly with the Credit Union will continue to process normally. For example, if you have an automated transfer set up to pay a loan payment, that payment will continue to process as normal.
 
You may have automated transfers set up within your Online Banking profiles. Internal transfers will continue to process, but External and Member-to-Member transfers will not process after May 31, 2025, and you will need to set these up again in the new Online Banking on or after June 2, 2025. This does not include recurring bill payments.

Certificate of Deposits

The early withdrawal penalty on Share Certificates is changing on Certificate of Deposits (CDs) with terms greater than 12 months.
Currently the early withdrawal penalty is 90 days interest.
 
Beginning June 2, 2025, the early withdrawal penalty on CDs with terms greater than 12 months will be 180 days interest.

Frequently Asked Questions

Why is Providence Federal 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. Together, our organizations will 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 merger also marks the start of a new chapter for Shirley Cate, PFCU President and CEO, as she will be retiring upon completion of the merger. Congratulations, Shirley!

Larry Ellifritz, President and CEO of CCCU, will become the President and CEO of the combined organization.

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.

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.

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 CCCU?

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 (Click Here to find a Shared Branch Location near you). Our 12-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.

Is CCCU 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.

What if I already have an account open with PCU and CCCU?

If you have an account open at each credit union, your PFCU account will move over to CCCU resulting in two separate accounts, which is anticipated to be in June 2025.

How will the merger impact PCU employees?

The merger of a credit union is a significant event that often brings about a wave of change, but one of the most positive outcomes is the retention of all employees. This decision reflects a commitment to staff continuity and stability, which can be incredibly reassuring for the workforce. It means that the employees can look forward to being part of the new, larger entity, bringing their valuable experience and knowledge to the table.

When is the conversion taking place?

PFCU will be officially converged into the CCCU banking systems on Monday, June 2, 2025. Your existing PFCU account will transition to a CCCU account. New benefits and features, like access to CCCU branches, Co-Op Shared Branching, and an upgraded Digital Banking platform will also be available starting Monday, June 2.

What disruptions will the conversion cause?

Disruptions to Bill Pay, and Online/Mobile Banking, will take place between May 22 – June 2.

Be sure to have your Bill Pays scheduled prior to May 23, and download your prior statements and your May 2025 account history in Online Banking before May 30.

Consult the Merger Guide PDF for full details.

 

How will this merger affect me?

Our merger with CCCU will bring new financial products like Apex Checking and Mega Money Market, a new digital banking platform with Zelle® integration, and more access to in-person banking through Shared Branching and the existing CCCU and PCU branches.

Leading up to our June 2, 2025 conversation, it’s important to note some disruptions to our Bill Pay and Digital Banking services taking place between May 22 – June 2. 

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 will this affect my direct deposit with PCU?

Rest assured, any automatic deposits and withdrawals using your account number will continue to process as usual, with no additional action needed from you.

Will I be receiving a new Debit Card?

Yes, If you have a checking account, you will receive a new debit card to replace the old one, which will become inactive on June 2, 2025.

Your new debit card will begin working on Monday, June 2 at 7 a.m. 

Where can I bank in-person?

You still have access to all PCU branch locations with the exception of the Administrative Office in Milwaukie, OR which closed on May 30, 2025.

Beginning on June 2, 2025 our members will be able to bank at CCCU branches, like the Slabtown location, Sandy Blvd. location, and Hood River location.

In addition to our organization's physical branch locations, Shared Branching is now available for all PCU members. Shared Branching gives you access to a nationwide network of other participating credit unions. As a member you will be able to access your money and complete a variety of transactions at these locations.

Enter your ZIP Code into the Co-Op Locator to see participating credit union locations near you. There are over 5,000 Shared Branch locations nationwide and over 20 participating locations in the Portland, OR area.

Questions?

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

Call or Text

Monday - Friday
7:30 am - 4:30pm (PT)

View Our #s
Chat 1

Secure Message

It's safe and easy, right within online or mobile banking!

Login & Send
Email 1

Email

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

Fill Out Form