A Home Equity Line of Credit (HELOC) is a revolving source of money secured by the equity in your home, which you can access for up to 15 years. We even offer you the option to lock in your rate for 5 or 15 years.
Benefits of a HELOC
Lower interest rates
Setup fees waived1
Draw periods up to 15 years
Local underwriting
Flexible repayment terms
With a HELOC, the possibilities are truly limitless.
How to use a HELOC
Access your home equity with one simple application and use the funds to help you achieve your financial goals!
1APR= Annual Percentage Rate. Rates as of 06/01/2025 and are subject to change without notice. All loans subject to credit approval. New advances only. Not valid on existing CCCU/PCU HELOC balances. 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 7.50%, with a maximum interest rate of 18%. Member responsible for appraisal cost if desktop appraisal does not achieve desired limit for the borrower. If line is closed within 3 years of the open date, borrower will reimburse the credit union for the closing costs. Offer valid on primary residences only. Homeowners insurance is required for every line of credit. This is a limited time offer and it may end at any time. See credit union for further details. Refer to our Equity Loan Account Disclosure or contact credit union for complete details.
New for graduating seniors: $5,000 Scholarship Program!
As part of our growing credit union family, we're excited to offer even more opportunities, starting with our 2025 College Scholarship Program! This $5,000 scholarship will be awarded to a graduating high school senior or recent graduate who has showcased determinations, academic achievement, and involvement in their communities. If you have a family member who is a graduating senior or recent graduate and could use some help with college expenses, encourage them to apply!
Building wealth requires careful planning. In today’s inflationary environment, it is more crucial than ever to develop an investment plan around your goals. CCCU Wealth Management can help you do exactly that. Whether you want to build wealth, save for retirement, or simply protect your family when the unexpected happens, we’ll be here to guide you.
Securities are offered through LPL Financial (LPL), a registered broker-dealer (member FINRA/SIPC).
Insurance products are offered through LPL or its licensed affiliates. Investment advice offered through CCCU Wealth Management, a registered investment advisor and separate entity from LPL Financial. Consolidated Community Credit Union is not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using CCCU Wealth Management, and may also be employees of Consolidated Community Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Consolidated Community Credit Union or CCCU Wealth Management. Securities and insurance offered through LPL or its affiliates are:
New locations added!
As of June 1, 2025, our merger with CCCU is complete! By joining forces, we're now better positioned to offer competitive financing, enhanced services, and additional locations for our members. That includes the following three new full-service branch locations available to you:
Sandy Blvd. Branch
2021 NE Sandy Blvd.
Portland, OR 97232
Services and Amenities:
Drive-Thru
24-hour ATM
Parking Available
Slabtown NW Branch
1535 NW 21st Ave.
Portland, OR 97209
Services and Amenities: 24-hour ATM
Bicycle Parking Available
Cascade Branch
1206 12th St.
Hood River, OR 97031
Services and Amenities:
Drive-Thru
24-hour ATM
Parking Available
Spanish Speaking Staff Available
Changes to PCU Locations & Hours
Effective July 1, 2025 the San Diego Branch is now closed, but the ATM will remain available at the same location through December 31, 2025.
As of June 30, 2025 our branch and office hours have changed. New hours are Monday - Friday, 9:00 am - 5:00 pm (PST).
Bank Face-to-Face at Over 5,000 Shared Branches Nationwide
As a PCU member, you can now take advantage of more than 5,000 CO-OP Shared Branch locations across the country, giving you more ways than ever to manage your money in person. It's just like banking at your local PCU branch!
What's a Shared Branch?
A shared branch is part of a cooperative network of credit unions working together to make banking more convenient, no matter where you are. As a member, you can visit any participating location to conduct everyday transactions in person, including making deposits, withdrawing cash*, making loan payments, and more.
Find a CO-OP Shared Branch or ATM
Use the CO-OP locator to find one of over 5,000 Shared Branches and 30,000 surcharge-free ATMs near you. This includes select locations where you shop like 7-Eleven, Circle K, Costco, Publix, Dunkin Donuts, and many regional convenience store locations.
Before You Visit a Shared Branch
To ensure a smooth transaction, be sure to:
1. Let them know you're with Consolidated Community Credit Union.
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