--- title: "Consolidated Credit Union Rates (Nov 2026): Mortgage 7.22%" description: "Consolidated Credit Union rates today: 30 year fixed mortgage 7.22% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Consolidated Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/oregon/consolidated" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Consolidated Credit Union Rates (Nov 2026): Mortgage 7.22% ### Mortgage rates 5 offers | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | 7.224% APR | 6.999% | — | Standard | | **30-Year Fixed (investment purchase)** 30 year fixed | 7.736% APR | 7.500% | — | Standard | | **15-Year Fixed** 15 year fixed | 6.619% APR | 6.375% | — | Standard | | **10-Year Fixed** 10 year fixed | 7.348% APR | 7.250% | — | Standard | | **7-Year Fixed** other | 6.913% APR | 6.500% | — | Standard | Consolidated Credit Union mortgage rates as of November 12, 2026 ### HELOC rates 2 offers | Product | Published | Rate | Term / condition | Status | | **HELOC** heloc_variable | — APR | 4.490% | — | Standard | | **HELOC (Variable)** heloc_variable | — APR | 6.500% | — | Standard | Consolidated Credit Union heloc rates as of November 12, 2026 As of November 12, 2026, Consolidated Credit Union offers a 30-year fixed mortgage at 7.224% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/oregon/consolidated) , verified from [Consolidated Credit Union's official website](https://www.consolidatedccu.com/) Best product position **Room to improve vs. the Oregon median** 30-year fixed mortgage Gap to state best **25 bp** 25 bp from state best Vs. state median **8 bp behind median** 30-year fixed mortgage Products ranked **1** across tracked Oregon markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 7.22% | Room to improve vs. the Oregon median | 25 bp from state best | 8 bp behind median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Consolidated Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=consolidated&state=oregon&code=OR&name=Consolidated%20Credit%20Union) Loading branch locator… ## About Consolidated Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 38.3K Assets $831.2M Founded 1954 Locations reported 5 NCUA charter 9292 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial education - First-time homebuyer program - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Oregonians** 07 - 20th Branch · Portland · OR · 97232-2805 About 0.3 miles away](https://rateapi.dev/credit-unions/oregon/oregonians) [**Onpoint Community** Hollywood · Portland · OR · 97232-1851 About 0.5 miles away](https://rateapi.dev/credit-unions/oregon/onpoint-community) [**Point West** Retail Branch · Portland · OR · 97232 About 0.6 miles away](https://rateapi.dev/credit-unions/oregon/point-west) [**Rivermark Community** Belmont Branch · Portland · OR · 97214 About 1.0 miles away](https://rateapi.dev/credit-unions/oregon/rivermark-community) [**Columbia Community** Buckman Branch · Portland · OR · 97214-2567 About 1.0 miles away](https://rateapi.dev/credit-unions/washington/columbia-community) [**Trailhead** Trailhead CU · Portland · OR · 97209-3959 About 1.4 miles away](https://rateapi.dev/credit-unions/oregon/trailhead) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Consolidated Credit Union Membership eligibility from Consolidated Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Consolidated Credit Union's website. Check the membership page below to confirm whether you qualify. - Location clark, skamania — WA - Employer Providence Health & Services, United Domestic Workers (UDW) Labor Union - Association United Domestic Workers (UDW) Labor Union Verified from [Consolidated Credit Union's membership page](https://www.consolidatedccu.com/membership) . Final membership determination is always made by the credit union. ## Membership rules for Consolidated Credit Union Geography 5 counties · Employers 4 · Associations · Family 2 20 published paths to membership, last verified November 8, 2026, quoted from Consolidated Credit Union’s own published criteria. ### Geography 5 Auto-verified against the source page from the credit union’s published criteria and NCUA charter records · last verified November 8, 2026 - Clark County, WA - Hood River County, OR - Multnomah County, OR - Skamania County, WA - Washington County, OR “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Hood River County, OR; Multnomah County, OR; Washington County, OR” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) ### Employers 4 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Employee of Providence Health & Services “You're an employee, retiree or family member of Providence Health & Services” > [source ↗](https://www.consolidatedccu.com/membership) - Employee of Providence Health & Services - Retired employee of Providence Health & Services “You're an employee, retiree or family member of Providence Health & Services” > [source ↗](https://www.consolidatedccu.com/membership) - Retiree of Providence Health & Services - Employee of United Domestic Workers (UDW) Labor Union “You're a member, employee, retiree, or family member of the United Domestic Workers (UDW) Labor Union” > [source ↗](https://www.consolidatedccu.com/membership) - Employee of United Domestic Workers (UDW) Labor Union - Retired employee of United Domestic Workers (UDW) Labor Union “You're a member, employee, retiree, or family member of the United Domestic Workers (UDW) Labor Union” > [source ↗](https://www.consolidatedccu.com/membership) - Retiree of United Domestic Workers (UDW) Labor Union ### Associations 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Member of United Domestic Workers (UDW) Labor Union “You're a member, employee, retiree, or family member of the United Domestic Workers (UDW) Labor Union” > [source ↗](https://www.consolidatedccu.com/membership) - Member of United Domestic Workers (UDW) Labor Union ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Family of a member relative “You have a relative that is a current CCCU member” > [source ↗](https://www.consolidatedccu.com/membership) - Family member (relative) of a member - Family of someone eligible family “You're a member, employee, retiree, or family member of the United Domestic Workers (UDW) Labor Union” > [source ↗](https://www.consolidatedccu.com/membership) - Family member (family) of an eligible person Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Consolidated Credit Union? Yes No ## Work at Consolidated Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Consolidated Credit Union ranks against Oregon peers. - See which AI assistants fetched Consolidated Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Oregon - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=consolidated&state=oregon&code=OR&name=Consolidated%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Consolidated Credit Union offer? Consolidated Credit Union currently offers mortgage, and HELOC rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Consolidated Credit Union rates updated? RateAPI verifies Consolidated Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Consolidated Credit Union's rate data? Rate data is collected directly from Consolidated Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Consolidated Credit Union's mortgage rate? As of November 12, 2026, Consolidated Credit Union offers a 30-year fixed mortgage at 7.224% APR. ### Who can join Consolidated Credit Union? Consolidated Credit Union publishes its membership criteria on its own website. RateAPI tracks 20 published membership paths covering 5 counties, 4 employers and 1 association for Consolidated Credit Union, each quoted from Consolidated Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Consolidated Credit Union's rates against national credit-union benchmarks. [More Oregon credit unions](https://rateapi.dev/credit-unions/oregon) [Oregon mortgage rate leaders](https://rateapi.dev/mortgage-rates/oregon) [Oregon HELOC rate leaders](https://rateapi.dev/heloc-rates/oregon) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.consolidatedccu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Consolidated Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Oregon credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Consolidated Credit Union curl "https://api.rateapi.dev/credit-unions/oregon /consolidated " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Consolidated Credit Union locations Search, filter, and browse all 5 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/oregon/consolidated Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp