CCCU Benefits

Delivering More in 2024

Since 1954, we have been dedicated to the well-being of our employees and their loved ones. Our commitment to continuously enhancing your benefits reflects our belief in empowering you to prioritize your health, overall well-being, and future. We know that by doing so, you’re better equipped to embrace our mission of delivering an outstanding banking experience to all members of our community. 

We’re excited to offer you and your loved ones better choices; please carefully review each plans details – including premiums and how much you pay for care.


2025 Benefits

See what's new in 2025 for all medical, vision, dental and other employment benefits.
password: mybenefits


Important Enrollment Information

If you would like to participate in any of our benefits for the 2024 benefit plan year, you must log in to Paycom. There you can:
•  Make changes to plan contributions, such your healthcare and/or dependent care flexible spending accounts.
•  Enroll in Medical and/or Dental Coverage
•  Waive coverage
•  Complete the Healthcare Participant Waiver
•  Complete the Pre-Tax Payroll Deduction Authorization

Please be prepared to enter social security numbers and date of births for yourself, your dependents and all beneficiaries. Without this information, you may be required to complete additional enrollment forms. 
Couple Walking

New Hire Enrollment

New Hire Enrollment
At CCCU, we believe in taking care of our own, and that’s why we offer a comprehensive benefits package designed to support your health, well-being, and financial future. Our package includes medical, vision, dental, disability, life, and AD&D coverage, as well as a retirement plan that lets you choose between pre-tax and Roth 401(k) contributions. To give your financial future an extra boost, we make substantial contributions to both pre-tax 401(k).

You’ll be eligible to enroll in our plans starting on the first day of the month following your hire date. Our knowledgeable human resources team will reach out to guide you through the details of these plans and help you get enrolled as you approach your 30-day milestone.

For our 401(k), eligibility starts after 6 months. Restrictions apply.

We’re here to help you build a strong financial foundation for the future. We can’t wait to see you thrive as part of our team!

Benefits Eligibility

You are eligible to enroll for benefits if you are a full-time employee who is regularly scheduled to work 30 or more hours per week.

Dependent Eligibility
If you are eligible to elect coverage for yourself, you may also elect coverage for your eligible dependents. Your eligible dependents include:
•  Your legal spouse or registered domestic partner.
•  Your children up to age 26 (25 years old or younger) - including biological children, stepchildren, adopted children, children whose legal guardianship has been granted to you by the state.
•  Your unmarried child age 26 and older who depends solely on you for your support because of a mental or physical disability where the disability arose before age 26 (documentation is required).

Plan Documents: This guide provides a highlight of your benefits. If any statement in this guide conflicts with any applicable plan documents, the plan documents will govern. Plan provisions may be changed or deleted in order to meet any state or legal requirements. CCCU reserves the right to amend or terminate benefits as it deems necessary at any time. Failure to complete eligibility and other required documents may make employees ineligible for benefits coverage. 


Insurance Plans

Regence plans can help reduce day-to-day healthcare expenses, improve your overall wellbeing, and alleviate financial worry in the event of sickness or injury. Eligible employees may choose from two Regence Health Plans:

Regence 1000

A plan with a lower annual deductible, 
paired with a company-sponsored Health 
Reimbursement Account (HRA), which can 
be used to pay for qualified out-of-pocket 
expenses, but has higher monthly premiums. 

Regence 3000

A plan with lower monthly premiums 
and a higher annual deductible


 

Once you’ve signed up
You’ll receive your member ID card in the mail. It will come in a plain envelope, so don’t throw it away! Have it handy and create an account at Regence.com or on the Regence app. This will allow you to easily access all the tools and resources that come with your membership.

Who can provide me with Healthcare?
Choosing in-network providers and pharmacies is a great way to lower out-of-pocket expenses. Out-of-network providers do not have agreed upon pricing with Regence. Wherever you decide to receive care, requesting an estimate prior to services makes good financial sense.  

Get the Regence App!

For added convenience, download the 
app for your iPhone or Android.

Need a Provider?

Check out the directory of participating healthcare providers within the Regence network.

Understanding Health Insurance

Need help understanding health insurance? We'll start at the beginning.

Learn everything you need to know about health insurance - including terminology, how insurance works, who pays what, and the importance of networks. 

Which Care Options Fit My Needs?

Nurse Line

Description: For questions about common health issues and whether you should see a doctor, call Regence Advice24. Nurses will help you decide what to do and calls are free and confidential.
Consider for: Cold & flu, fever, minor burns and injuries.
Availability: 24/7
Avg. Cost: None
Avg. Wait Time: Short

Virtual Visit

Description:  Your health plan includes virtual care providers, which makes it easy to have a doctor appointment from the comfort of home. Even get a prescription sent to your pharmacy.
Consider for: Allergies, anxiety & depression, cold & flu, UTIs.
Availability: 24/7
Avg. Cost: Low
Avg. Wait Time: Short

Urgent Care Clinic

Description: Choose an urgent care center if you need more immediate, in-person attention, especially after hours. Plus, urgent care costs a lot less than the ER.
Consider for: Abdominal pain, migraines, sprains, strains & cuts.
Availability: Vary
Avg. Cost: Moderate
Avg. Wait Time: Moderate

In-Home Urgent Medical Care

Description: Have a team of trained medical professionals from DispatchHealth come right to you. Availability depends on your health 
plan and where you live.
Consider for: Cuts & lacerations, infections, nausea & vomiting, sprains & strains.
Availability: Vary
Avg. Cost: Moderate
Avg. Wait Time: Moderate

Emergency Room

Description: If you’re experiencing life-threatening symptoms, go to the ER. Doctors there are specially trained to treat critical health needs.
Consider for: Chest pain, major burns & injuries, shortness of breath, uncontrolled bleeding.
Availability: High
Avg. Cost: High
Avg. Wait Time: Long

Regence Plan Benefits

What I Pay

Rates as of: July 9, 2024
Medical Plan
Employee Only
Employee + Spouse
Employee + Child(ren)
Family
Medical Plan
Regence 1000
Employee Only
$150.03
Employee + Spouse
$558.40
Employee + Child(ren)
$413.43
Family
$895.86
Medical Plan
Regence 3000
Employee Only
$58.27
Employee + Spouse
$378.72
Employee + Child(ren)
$244.72
Family
$636.67
Rates as of: July 9, 2024
Medical Plan
Employee Only
Family
Medical Plan
Regence 1000
Employee Only
$1,000
Family
$2,000
Medical Plan
Regence 3000
Employee Only
$3,000
Family
$6,000
Rates as of: July 9, 2024
Medical Plan
Employee Only
Family
Medical Plan
Regence 1000
Employee Only
$5,500
Family
$11,000
Medical Plan
Regence 3000
Employee Only
$5,500
Family
$11,000
Rates as of: July 9, 2024
Coinsurance
Regence 1000
Regence 3000
Coinsurance
In-Network
Regence 1000
20%
Regence 3000
20%
Coinsurance
Out-of-Network
Regence 1000
40%
Regence 3000
40%

Physician Provider Services

* (In-Network) First 3 Primary Care, Behavioral Health and Virtual Care visits combined, $5 copay per visit, deductible waived.  After 3 visits, $30 copay per visit, deductible waived.

Medical Plan
Primary (Office)
Primary (Virtual)
Behavorial (Office)
Behavorial (Virtual)
Specialty Care
Medical Plan
Regence 1000
Primary (Office)
*First 3 Appt, $5 Copay
Primary (Virtual)
*First 3 Appt, $5 Copay
Behavorial (Office)
*First 3 Appt, $5 Copay
Behavorial (Virtual)
*First 3 Appt, $5 Copay
Specialty Care
$30/Visit
Medical Plan
Regence 3000
Primary (Office)
*First 3 Appt, $5 Copay
Primary (Virtual)
*First 3 Appt, $5 Copay
Behavorial (Office)
*First 3 Appt, $5 Copay
Behavorial (Virtual)
*First 3 Appt, $5 Copay
Specialty Care
$30/Visit
Medical Plan
Primary (Office)
Primary (Virtual)
Behavorial (Office)
Behavorial (Virtual)
Specialty Care
Medical Plan
Regence 1000
Primary (Office)
40% Coinsurance
Primary (Virtual)
40% Coinsurance
Behavorial (Office)
40% Coinsurance
Behavorial (Virtual)
40% Coinsurance
Specialty Care
40% Coinsurance
Medical Plan
Regence 3000
Primary (Office)
40% Coinsurance
Primary (Virtual)
40% Coinsurance
Behavorial (Office)
40% Coinsurance
Behavorial (Virtual)
40% Coinsurance
Specialty Care
40% Coinsurance

* (In-Network) First 3 Primary Care, Behavioral Health and Virtual Care visits combined, $5 copay per visit, deductible waived.  After 3 visits, $30 copay per visit, deductible waived.

Alternative Care

Acupuncture

In-Network
$30/Visit

Out-of-Network
$30/Visit

Limit 30 visits/year

Chiropractic

In-Network
$30/Visit

Out-of-Network
$30/Visit

Limit 30 visits/year

Alternative Care

In-Network
$30/Visit

Out-of-Network
40% Coinsurance

Naturopath

Emergency, Urgent Services, Hospital Services

Emergency

In-Network
$250
Out-of-Network
$250

Urgent Services

In-Network
$30/Visit

Out-of-Network
40% Coinsurance

Inpatient

In-Network
20% Coinsurance

Out-of-Network
40% Coinsurance

Pregnancy

Pregnancy Program

Get pregnancy and new-parent support with 
our Pregnancy Program. Your maternity nurse 
care manager can answer all your questions, 
plus, the program includes its own app to track 
milestones during pregnancy and baby’s first 
year.

Supporting Your Journey

As a Regence member, you can save between 10% and 40% on fertility services, including IUI and IVF treatments, genetic testing services and fertility medications.

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WINFertility

WIN makes fertility treatment affordable. For nearly 20 years, WINFertility has been linking infertile families with reasonably priced, conveniently located, proven fertility specialists who can help. A key to our success is offering Treatment Bundles that reduce the total cost of fertility treatment. WINFertility Comprehensive Treatment Bundles℠ include the medical services, genetic testing and medications you need to help you have a baby. If a fertility specialist is already treating you, the WINFertilityRx Program can help you save up to 40% on fertility-specific drugs.

  • Save between 10% and 40% on your fertility services, including IUI and IVF treatments, genetic testing services and fertility medications.
  • No clinical or age criteria required. No fees to enroll.
  • You pay a single payment to WINFertility, and WIN handles all payments to providers, genetic testing laboratories and pharmacies for your treatment. Or, WINFertility treatment financing options are available to allow you to pay overtime.
  • Treatment bundles contain a comprehensive package of all medical services and the medications you need to help you have a baby.
  • WINFertilityRx program is also available with savings up to 40% on fertility-specific pharmaceuticals for those who have a fertility specialist not within the WINFertility network
  • A free consultation with a friendly Nurse Care Manager is available.

Our free prenatal program (for anyone enrolled) helps prevent birth defects. It includes a supply of folic acid


Behavioral Health Support

 Many therapists and psychiatrists offer both in-person and virtual appointments, so you can get care just how you need it. It can be challenging to find a mental health provider that is right for you. On top of that, wait times can be long. Regence is here to help you find someone who can see you soon – just chat with us online at Regence.com or call us at 1(888) 367-2116.

Employees also get free virtual counseling through Talk Space.

Doctor On Demand

Visit a doctor or therapist via video chat. We all have times when we need to see a doctor, but it’s inconvenient – there’s no time, the office is closed, or we’re on the road. You know that feeling. “I need to make an appointment, but I don’t want to take time off of work.” Now you can. Your new plans include telehealth powered by Doctor on Demand, a national leader in quality care. You can talk to any of Doctor On Demand’s Board Certified Physicians, Licensed Counselors and Psychiatrists by video chat using your computer or the app – 7 days a week, 365 days a year. 

24/7 Nurse Line

Regence Advice24 is a 24/7 nurse line that provides immediate support for everyday health issues that otherwise might lead to unnecessary and expensive doctor or emergency room visits. Our registered nurses 
can advise you on common issues, such as:
 • Vomiting & nausea 
 • Cuts & minor burns
 • Viruses, coughing, dizziness & headaches
 • Back pain
 • Feverish baby

What you can expect:
 • Ask about your symptoms
 • Direct you to an emergency room or urgent care when advisable
 • Help you decide if you should see a doctor
 • Provide self-care suggestions for minor injuries and illnesses
 • Help you prepare for a doctor visit
 • Help you understand your prescription

To contact the nurse line, call (800) 267-6729
Woman on phone
Happy Patient-1

Regence Care Management

Regence Care Management supports the unique needs of their members with acute, chronic and major illness episodes or severe illness conditions.

The mission of care management is to prioritize the needs of their members by providing personalized, equitable services that enhance their wellbeing.
• Advocating for members and their support systems
• Improving care through close collaboration with providers
• Supporting members transitioning to different levels of care
• Assisting members as they navigate the health care system
• Educating members about their care options, benefits and coverage
• Supplementing information given by providers to help members make educated decisions regarding their health care

Contact the Regence Care Management team 
by calling 1(866) 543-5765

Reward Program - Regence Empower

Regence Empower(TM) is an online well-being program and app that helps you take simple steps towards better health.
 
Whether you want to start a new fitness routine, improve your sleep habits or practice mindfulness, there is a program for you. Working on your health is more fun together, 
so your spouse or partner can earn the same incentives as you do! 

Get going today! Begin your well-being journey by taking the online Regence Empower Health Assessments. Then, throughout the year, you’ll have opportunities to earn rewards while building positive habits for your health.

GET REWARDS FOR BEING PROACTIVE: 
You can earn up to $100 per year in gift cards for engaging in healthy activities that support your long-term health, like getting preventative exams and screenings. Your Regence health plan covers preventative care at no cost to you when you see an in-network provider.

READY TO GET STARTED
Step 1: Check it out. Sign in at 
regence.com and select Regence Empower to start your well-being journey today.

Step 2: Download the app. You live life on the go. Keep your well-being journey at your fingertips by downloading the Regence Empower App. 

Step 3: Engage today! Complete your Health Assessment, schedule your wellness exam and any necessary screenings, participate in challenges, track health activities and more.

Health Assessment

Complete a health assessment and earn $15.

Preventative Wellness Exam

Complete an annual exam and earn $25.

Breast & Cervical Cancer Screenings

Get a mammogram or cervical cancer screening. Earn $25 ea./$50 total.

Colorectal Cancer Screening

If you’re 45+, talk to your provider about this screening.

Vision Exam

Vision exams can correct vision issues and identify potential problems. When you complete your exam and self-attest. Earn $10.

Dental Visit

Caring for your teeth is good for your whole body. When you complete a dental visit and self-attest and earn $10.

Health Tech

Make every step count. Sync your fitness device or app to track your physical activity. Earn $5

Health Learning Activities

Explore your behavioral health resources or complete Health Care 101. Earn $10 each or $20 total.

Prescription Options

Prescription options for Regence 1000 and 3000 plans.

Tier 1

  • $5 retail
  • $15 home delivery
  • $10 for each self-administrable Cancer Chemotherapy medication

Tier 2

  • $20 retail
  • $60 home delivery
  • $10 for each self-administrable Cancer Chemotherapy medication

Tier 3

  • $25 retail
  • $75 home delivery
  • $50 for each self-administrable Cancer Chemotherapy medication

Tier 4

  • $50 retail
  • $150 home delivery
  • $50 for each self-administrable Cancer Chemotherapy medication

Tier 5

  • 30-Day Supply: $150 participating pharmacy retail
  • $100 for each self-administrable Cancer Chemotherapy medication

Tier 6

  • 30-Day Supply: 50% participating pharmacy retail
  • $100 for each self-administrable Cancer Chemotherapy medication

Insulin Cost Share Cap

Retail or delivery:
$85 for 30-day supply
$255 for 90-day supply

Vision & Dental Benefits

To access vision and dental benefits, when promoted, please enter the same password you entered for this benefits site. 

Vision Benefits

VSP Network for Regence 1000 & 3000 Plans

Dental Benefits

Moda Delta Dental & Willamette Dental Group for Regence 1000 & 3000 Plans

Health Reimbursement Account (HRA)

What is an HRA?
An HRA is an employer-funded health benefit used to reimburse employees for out-of-pocket health-related expenses. The HRA is offered only in conjunction with the Regence 1000 Plan.

What can I use my HRA funds for?
You can use your HRA to pay for IRS-eligible medical, prescription, dental, or vision expenses, as well as a variety of over-the-counter health-related products for yourself and dependents enrolled in the Regence 1000 plan.

The Benny Card
The Benny Card is PacificSource’s HRA debit card that will be mailed to your address on file. When using your Benny card to pay for HRA-related expenses at point of sale, remember to keep all claim documentation as it may be requested by PacificSource and/or the IRS.

Do HRA funds expire?
At the end of each year, employees may carry forward an amount equal to two times the eligible annual accrual as long as they continue to be enrolled in the plan; all additional funds will be forfeited.

Helpful Benny Tip.JPG

HRA Monthly Funding

Rates as of: January 1, 2024
Funding
Employee Only
Employee + Spouse
Employee + Child(ren)
Family
Funding
Monthly
Employee Only
$83.33
Employee + Spouse
$166.66
Employee + Child(ren)
$183.33
Family
$250.00
Funding
Total Annual
Employee Only
$1,000
Employee + Spouse
$2,000
Employee + Child(ren)
$2,200
Family
$3,000
Funding
Max Carry Forward
Employee Only
$2,000
Employee + Spouse
$4,000
Employee + Child(ren)
$3,000
Family
$6,000

When you are not using the Benny Card, you can submit claims online or through the mobile app for reimbursement.

hwo to file a HRA claim.JPG

Flexible Spending Accounts (FSA)

What is an FSA?
A tax-advantage FSA is a great way to save money with pre-tax dollars to reimburse yourself for a wide variety of IRS-eligible health and/or dependent care expenses that are not covered through your other benefit plans. The annual amount you elect to contribute to each account will be divided into equal amounts and deducted from your paycheck pretax, therefore reducing your taxable income.

How can you spend your money?

Healthcare FSA & HRA

• Medical and prescription copays
• Eligible over-the-counter medications and products
• Braces
• Contact Lenses

Dependent Care FSA

• Adult daycare center
• Nanny/Daycare
• Preschool
• Summer Day Camp
• Before or after school programs
• Need help finding a Summer Camp or childcare? Click below!

We Offer the Following FSAs

Healthcare FSA

• Pay for eligible health care expenses, such as deductibles, copays, and coinsurance. To learn more, visit Irs.gov and search for publication 502 or visit healthequity.com. To purchase eligible healthcare products, visit Fsastore.com.

• Contribute up to $3,200 (Amount will be based on the 2024 IRS limit).

• All funds must be used within the plan year or the funds are forfeited, except for a limit of $640 which may be carried over from 2024 into the 2025 plan year.

Dependent Care FSA

• Pay for eligible dependent care expenses, such as daycare for a child, so you and/or your spouse can work, look for work, or attend school full time. To learn more, visit Irs.gov and search for publication 503 or visit healthequity.com.

• Dependent Care FSA contributions for 2024 are $5,000 for single filers and married filing jointly, and $2,500 for those who are married and filing separately.


Medical Leave & Supplemental Insurance

Paid Family Medical Leave

OREGON PAID LEAVE
Paid Leave Oregon (PFML) is a program that provides eligible employees with up to 12 weeks of job protection, benefit continuation, and wage replacement while on leave for a qualifying family or medical reason. If you’re requesting leave for a pregnancy-related condition, you may qualify for up to 14 weeks of leave. Eligibility and benefits are determined by Standard Insurance.

WASHINGTON PAID FAMILY MEDICAL LEAVE
WA Paid Leave is a program that provides eligible employees up to 12 weeks of job protection, benefit continuation, and wage replacement while on leave per year for qualifying family or medical reason. It’s possible for you to receive 16-18 weeks of combined medical and family leave in certain circumstances. Eligibility and benefits are determined by the State of Washington.

Short- and Long-Term Disability
Short-Term Disability benefits are provided to help offset loss of income that results from an accidental injury or illness. Coverage begins on the 8th day after an illness or injury and pays you 66 2/3% of your weekly earnings. Benefits are payable for up to 12 weeks. If your disability lasts longer than 90 days, our Long-Term Disability plan provides a source of income to protect you and your family for an extended period of time.

Aflac

Accident
Accident insurance supplements your medical plan by offsetting out-of-pocket medical expenses or other expenses arising from a covered accident.

Cancer/Specified Disease
The cancer/specified-disease insurance policy can help you and your family to better cope financially if a positive diagnosis of cancer ever occurs.

Critical Illness (Specified Health Event)
A lump-sum benefit is payable if you are diagnosed with a covered critical illness. The cash benefit can be used as you see fit.

Hospital Confinement
Hospital stays are expensive. The Hospital Confinement Insurance Policy can help ease the financial burden of hospital stays by providing cash benefits.

Aflac

Supplemental Life & AD&D

You can buy more protection

Optional Life and AD&D Insurance with Standard Insurance. You can buy additional Life and/or AD&D coverage for yourself, your spouse/partner and your eligible children*. During Open Enrollment, you can increase your coverage up to $300,000 without having to provide Evidence of Insurability (EOI).

Life/AD&D
We offer life insurance equal to 1x your annual salary with a minimum of $50,000 and a maximum of $200,000. In the event of an accidental death, your beneficiary would receive $50,000, in addition to the basic life insurance coverage. For other injuries, such as a loss of limb, or eyesight, the policy would pay you an amount ranging from $25,000 to $50,000, depending on your loss. The IRS requires the inputted value of group life insurance coverage exceeding $50,000.00 be reported on your W2. If your coverage exceeds this limit you will see a GTL notation on your paystub and W2.
supplemental life and add
These coverages begin once EOI (if required) and other necessary documentation have been provided and approved.

Retirement Plans

401(k) Profit Sharing Plan
A 401(k) plan is an employer-sponsored retirement plan that is a great tool to help you save for a financially secure retirement through either pre-tax or after-tax contributions. You are eligible to participate in the plan if you are 21 years of age and after 6 months of employment.

The IRS limits the amount you can contribute to the plan. These limits may be adjusted by the IRS each year. The 2023 salary deferral limit will increase to $22,500. Participants over the age of 50 are eligible to make additional “catch-up” contributions of $7,500 beginning in the year they turn 50, bringing the total contribution limit to $30,000.

Participants can elect to make either pre-tax contributions (Traditional) or after-tax contributions (Roth). If you make pre-tax contributions, you do not pay federal or state income tax on the amount you contribute or on any earnings until you make withdrawals from the plan.

If you make after-tax Roth contributions, you will still pay federal and state income tax on the amount you defer, but you can avoid paying income tax on both the contributions AND the earnings at the time of withdrawal once you have satisfied a 5-year waiting period after your first Roth contribution.
Retirement

Profit Sharing Contributions
To support your retirement saving efforts, we provide a profit-sharing contribution to all eligible employees at the end of each plan year up to (8%) of an employee’s eligible gross compensation into a pre-tax 401k plan. To be eligible for the profit-sharing contribution, you must be employed on the last day of the plan year, and you must work at least 1,000 hours during the plan year.

Vesting
In a retirement plan, vesting refers to ownership. Participants are always 100% vested in their own contributions to the plan. Employer contributions are fully vested after three years of vesting service. You are credited with a year of vesting service for each year in which you work at least 1000 hours. If you terminate employment before becoming fully vested, your non-vested employer contributions will be forfeited.

Enrollment
Prior to enrollment, you will attend an informational session and have access to one-on-one meetings with investment advisors through Principal Financial Group and OneDigital. Principal Financial Group will discuss their wide array of investment options and provide you with an overview of their website, where you can view and manage your account, make changes to your contribution elections, allocate funds in their various investment choices, and much more.


Woman

Employee Assistance Program (EAP)

Take advantage of confidential, short-term counseling from Licensed Professional Counselors through HealthAdvocate for a full range of personal issues, so you can achieve and maintain a healthy work/life balance. In a crisis, emergency help is available 24/7. If you’re enrolled with Standard Insurance, you and your dependents will receive exclusive access to this program.

The EAP can help you manage the daily stress of work, home and family life with in-person counseling sessions, phone consultations and online resources. The in-person counseling benefit provides three sessions per household member per year. This benefit is free and completely confidential.
health-advocate-logo-vector

 

Legal Services
The discounted Legal Services plan gives you access to year-round phone and in-person legal consultations with in-network lawyers. You’ll get coverage for a variety of family and personal matters; home and estate matters, including adoption, protection against domestic violence, review of immigration documents, refinancing and home equity loans; evictions defense and more.

Identity Theft Protection
Identity Protection provides a proactive fraud deduction and prevention plan that includes full-service remediation and state-of-the-art identify protection, including monitoring your identity and credit, high-risk transactions, dark web, data breaches and even your social medial. You’ll also have access to privacy advocates, who are certified and trained in identity restoration, to act as
dedicated case managers and resolve issues.

Financial Fitness Center
If you’re like most people, it can be hard to make sense of your personal finances. In fact, many Americans say they are living paycheck to paycheck, experiencing moderate to severe financial stress, and would like to improve their financial well-being.

Simple
Improving your financial fitness doesn’t need to be difficult. Complete a short 10-minute checkup to receive your Financial Fitness SCORE™ today.

Solution
Plus, the Financial Fitness Center includes 200 interactive tutorials to help you get instant, unbiased answers to all your common questions about money!


Paid Time Off

PTO begins accruing on the first day of employment and will accrue monthly according to the charts below. Employees may begin using PTO on their 91st day of employment. 
PTO Charts-1

Celebrating YOU!

Employees will receive one paid day off for their birthday that must be taken during the month of their birthday. This cannot be taken any other time of the year and does not roll over.

Reserve Sick Time

How does it work?

Employees who accrue up to the maximum accrual of PTO hours may elect to transfer up to 240 PTO hours to their Reserve Sick bank at the end of each calendar year. This time may only be used for a qualifying leave of absence approved by Human Resources.

Holidays

Holiday pay
All full-time employees are eligible for holiday pay beginning on their first day of employment. Part-time employees are eligible for holiday pay for the number of hours they are typically scheduled to work if the holiday falls on a day they are normally scheduled to work. 

We recognize federal holidays observed by the Federal Reserve, unless the holiday falls on a Saturday or Sunday. When a holiday falls on a Saturday, we will observe the holiday on the Friday before. In the event that New Year’s Day is a Saturday, it will not be observed. Any holiday that falls on a Sunday will be observed on the following Monday. 

Employees that celebrate a holiday not observed by the Federal Reserve may request to use PTO or unpaid time off for a holiday of a deeply held religious belief. For questions or accommodations, please contact a human resources representative.

Holiday Closures

Name
Holiday Date
Name
CHRISTMAS 2023
Holiday Date
December 25, 2023
Name
NEW YEARS
Holiday Date
January 1, 2024
Name
MARTIN LUTHER KING JR. DAY
Holiday Date
January 15, 2024
Name
PRESIDENT'S DAY
Holiday Date
February 19, 2024
Name
MEMORIAL DAY
Holiday Date
May 27, 2024
Name
JUNETEENTH
Holiday Date
June 19, 2024
Name
INDEPENDENCE DAY
Holiday Date
July 4, 2024
Name
LABOR DAY
Holiday Date
September 2, 2024
Name
VETERANS DAY
Holiday Date
November 11, 2024
Name
THANKSGIVING DAY
Holiday Date
November 28, 2024
Name
THANKSGIVING FRIDAY
Holiday Date
November 29, 2024
Name
CHRISTMAS 2024
Holiday Date
December 25, 2024

Love Working at CCCU

We hope you enjoy working at CCCU as much as we love having you as a part of our team. Throughout the year, we enjoy “Love Where You Work” events to celebrate our employees and their achievements. 

Select Employer Group Partner Perks
Enjoy employee store invitations and exclusive discounts from our SEG partners, Columbia Sportswear and adidas.

Adidas   
Columbia Sportswear Logo

 

Happy coworkers laughing

Length-of-Service Program

We offer service awards and year-end bonuses to employees based on their years of employment with us.

The chart below represents the amounts for full-time employees working 30 or more hours per week. Part-time employees are paid at 50% of these rates.

Service Rewards

Happy Family AAAH

CCCU Philanthropy

Local and Regional Efforts
We are deeply committed to local and regional philanthropy focused on supporting housing empowerment, family wellness and the opportunity to thrive within society. As a not-for-profit credit union, we focus on making our communities stronger, healthier places to live, work and raise families.

Who we support:
•  African American Alliance for Homeownership (AAAH)
•  Columbia Gorge Community College
•  Columbia Gorge Food Bank
•  Credit Union for Kids (CU4Kids)
•  Hacienda CDC
•  Emerging Leaders PDX
•  Exceed Enterprises
•  Hood River Education Foundation
•  Hood River FFA
•  Hood River Grad Project
•  Hood River Lions Club
•  Living Room Realty
•  Proud Ground
•  Randall Children’s Hospital
•  Mercy Corp
•  Metropolitan Youth Symphony
•  Oregon Humane Society
•  The Next Door, Inc.
•  University of Portland
•  Urban League of Portland
•  Young CU Professionals of PDX (YCUP)
•  Youth, Rights & Justice (YRJ)

African American Alliance for Homeownership (AAAH)

AAAH is a Department of Housing and Urban Development (HUD) approved Housing Counseling Agency with HUD-certified counselors providing first-time homebuyer and foreclosure prevention services to the public.

How we support AAAH: 
Attend AAAH housing fairs, host virtual homebuying seminars, and participate in their day of service (a volunteer event where we help with home repairs and yard maintenance for those in need).

Financial Empowerment Collaborative (FEC)

The FEC was established to foster financial empowerment in Portland’s Black community and provide solid pathways for participants on their path to financial and housing stability and wealth creation. The program includes customized financial education and coaching, case management, and an environment where participants can easily access essential credit union products and services.

How we support FEC: 
We partner with four other local credit unions to offer financial wellness through the Urban League of Portland. This includes seminars, events, and one on one financial counseling for those in need.

Credit Union for Kids (CU4Kids)

Credit Unions for Kids is a nonprofit collaboration of credit unions, chapters, leagues/associations and business partners from across the country, engaged in fundraising activities to benefit 170 Children’s Miracle Network Hospitals. 

How we support CU4Kids: 
All proceeds from our Swag Wall are donated to CU4Kids on behalf of Doernbecher Children’s Hospital. We also host a staff and member CU4Kids fundraiser each year.

Youth, Rights & Justice (YRJ)

Youth, Rights & Justice is Oregon’s leading nonprofit law firm dedicated exclusively to children and families.  YRJ brings a trauma-informed lens to all of their work, seeking to promote resilience, dignity and respect.

How we support YRJ: 
We are a Platinum Sponsor for the YRJ Gala.

Helping Hands

Our workplace giving program, encouraging employees to support our community.

Volunteer/donation day
Following 90 days of employment, each employee is eligible to take up to 8 hours of donation pay to volunteer with a charitable organization! 

Limit to one day, up to 8 hours of donation pay per calendar year.
•  Only non-profit organizations that have an IRS 501c status (and educational institutions)
•  All volunteer hours must be pre-approved by your manager.
•  Charitable organization must sign off request form after the time has been completed.

Sponsored Volunteer Days
We’re excited to offer employees the opportunity to participate in CCCU Sponsored Volunteer Days. These special events, organized in collaboration with our philanthropic partners, typically take place over the weekend. Employees who volunteer outside of their normal working hours will have their volunteer time offset during the regular work week. Opportunities will be emailed to employees as they become available throughout the year. We encourage you to join the fun!

volunteer hours

Habitat for Humanity-1-1

Looking for a place to volunteer?

Visit healthadvocate.com/standard3 and check out their Volunteer Services through Volunteer Match. You will be matched with a volunteer opportunity that fits with you and your schedule.


Special Discounts Just for You

Perks at Work

Receive special employee promotions that help you live a better and healthier life. Redeem WOWPoints for Free ECards like Starbucks, Instacart, Uber and Door Dash. Through Community Online Academy, experience 100+ live and on-demand classes like, Personal Development, Stress & Anxiety Relief, Sweat It Out Cardio, Relaxation, Managing Back Pain, etc.  

Discount Vision Program

20% discount toward non-covered materials from any VSP Doctor when a complete pair of glasses is dispensed. Discount of 15%-20% off or 5% off a promotional offer for laser surgery. Limitations apply, please see your plan summary for details.

Active&Fit Direct

Big discounts on your fitness membership. Choose from over 9000+ participating fitness centers nationwide for $28 a month (plus, a $28 enrollment fee & applicable taxes)

Regence Advantage

With Regence Advantages, you can save on alternative care, fitness devices, LASIK, hearing aids, health meals and more. Regence members can also enjoy specialized discounts such as 20% off non-RX allergy products, like pillows, air filtration, green cleaning products, and products designed for sensitive skin & hair, and more!

Walgreens Smart Savings Discount

Regence and Walgreens are happy to provide you with a Smart savings 20% discount on eligible Walgreens brand over-the-counter health and wellness products. You can use your discount for thousands of items every time you shop at any Walgreens, including:
• Vitamins and supplements
• Allergy, cold and pain relief 
• Eye care, dental care and baby essentials
• And more!

Banfield Pet Hospital

You receive a waived enrollment fee for Banfield Pet Hospital’s Optimum Wellness Plans®, savings on packages of preventive care that include annual blood work, vaccinations, de-worming, unlimited office visits, plus more. 

Discounts with Working Advantage

We’re pleased to offer this exclusive discount program available to all employees. Sign up for Working Advantage online and receive a weekly email with featured discounts for a wide variety of brands, such as movie tickets, theme parks, hotels, rental cars, sporting events, and more.

work discounts image-2

 


Work Perks

Transit Reimbursement
Up to $75/month for public transportation expenses to and from work. Submit a reimbursement form and receipts to AP@consolidatedccu.com.

Educational Resources
Earn up to $250 per calendar year for approved expenses at an accredited school.

LinkedIn Learning

Elevate your personal and professional development with the power of LinkedIn Learning available at most local libraries. Tap into the potential of expert-led courses and resources, empowering you to acquire new skills. Whether you’re seeking to amplify your leadership prowess, master cutting-edge software, or refine your business acumen, LinkedIn Learning stands as a diverse and easily accessible platform to advance your career path. 

Interested in learning more? Please connect with your local library and speak with your manager about courses that will help you start building for tomorrow.

BAI

Unlock the Power of Online Learning! With an extensive library of over 600 online trainings programs tailored to Credit Unions and Professional Skills, BAI empowers you to enrich your knowledge and propel your career, all on your schedule. 

Ready to boost your leadership abilities? Dive into courses like ‘Project Management: The Basics’ or ‘Change Management – Coping with Change.’ Or, if enhancing your communication skills is your goal, explore ‘Telephone Techniques’ and ‘Optimizing Emails.’ At BAI, the world of learning is your fingertips. 

Learn more at: Bai.org

2024 Pay Date Calendar

Employees are paid on a bi-weekly basis, every other Friday.

PDF Version

2024 Pay Date Calendar

HR & Benefit Vendor Contact Information

For assistance with your benefit enrollment or general benefit questions, please use the contact information below.

CCCU Human Resources

Kate Montgomery
HR Manager
602.750.5537

Leslie Wooden
HR/Admin Assistant
503.872.9448

Medical & Vision Insurance

Regence BCBS
T: 1.888.367.2116

Dental Insurance

Willamette Dental Group
T: 855.433.6825
W: willamettedental.com

Moda Delta Dental

T: 888.217.2365
E: customersupportOR@deltadentalor.com

Health Reimbursement

PacificSource
T: 888.977.9299

Flexible Spending Account

HealthEquity
T: 877.924.3967

Paid Leave Oregon (PFML) Disability, & Life & AD&D

Standard Insurance
T: 800.937.4783

State of Washington Paid Family & Medical Leave

T: 833.717.2273

Employee Assistance Program

HealthAdvocate through Standard Insurance Company
T: 888.293.6948

Supplemental Voluntary Insurance

AFLAC
Joe Foxley
T: 907.982.7828

401(k)

Principal
T: 800.541.7846

Benefits & Retirement Brokers

Benefits Broker
Alicia McCullough
T: 971.346.8691
E: alicia.mccollough@onedigital.com

Retirement Broker
Haley Wienecke
T: 360.488.3389
E: haley.wienecke@onedigital.com

Fraudulent Claim?

For next steps, contact Human Resources.
Important Information About Your Plans