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Commercial Real Estate Loans

Buying commercial real estate shouldn’t be complicated. At CCCU, we make it easy to build your dreams.

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COMMERCIAL MORTGAGE RATES

Actual commercial rates based on creditworthiness, LTV, and property type; subject to change without notice.

Rates as of: May 8, 2023
Term
Interest Rate Range
Term
5-Year Fixed
Interest Rate Range
6.50% - 7.50%
Term
7-Year Fixed
Interest Rate Range
6.875% - 7.875%

Actual commercial rates based on creditworthiness, LTV, and property type; subject to change without notice.

Start your Commercial Real Estate Loan application

Commercial Real Estate Loan Benefits

Purchase new property, expand your existing square footage, or refinance your existing Commercial Real Estate Loan with CCCU by your side. Our Commercial Real Estate Loans are here to help you control costs and reach financial stability. 

Exterior of a cute shop in Portland Oregon purchased with a commercial real estate loan.

Great Rates & Fees

We proudly offer some of the best rates in the region. Let us know what you’re currently being quoted, and we may be able to beat that rate or lower fees!

Local, Fast Service

Our team is local, approving and processing loans quickly (with friendly, personalized service).

No Prepayment Penalty

Pay your off loan early, whatever works best for your business. There are no prepayment penalties!

Highly Accessible

Our team of Commercial Real Estate lending experts are available 7 days a week.
Apply Now

Financing with Commercial Real Estate Loans

Focus on growing your new or existing business with a Commercial Real Estate Loan. At CCCU, we offer flexible financing options on the following property types:

  • Multi-family properties
  • Apartment complexes
  • Smaller properties
  • Light industrial
  • Office spaces
  • Retail spaces

Not sure where to start? Speak with our team of highly experienced commercial lending experts. 

Contact Us
Cute shop interior of a small business in Portland Oregon.
Commercial Real estate loan for a commercial office building in Oregon.

Perks of Our Commercial Real Estate Loans

With a CCCU Commercial Real Estate Loan, your business can get the financing to buy your office, warehouse, or investment property. As a CCCU member, you’ll be able to take advantage of our competitive rates and fees, plus so much more:

  • No prepayment penalty
  • 25-year amortization
  • Up to 75% LTV (Loan to Value)
  • Interest rates vary based on property type and borrower strength

Apply online 24/7, or contact our Commercial Lending Team directly for personalized, expedited service.

Apply Now

How to Apply for Commercial Real Estate Loans

We make purchasing, renovating, or refinancing easy with our straightforward  application process. To get started, first gather your business information:

  • 3 years' worth of personal and business tax returns
  • Personal financial statement
  • Personal balance sheet and historical income and expenses for the property
  • Property seller's Schedule E from their tax return or a financial statement
  • Current listing of each tenant including the lease details and agreement

We’re lending experts who understand the importance of timeliness, deadlines, and communication. That’s why we handle underwriting and processing in-house, and we’ve invested in state-of-the-art technology that makes the entire process hassle-free.

Apply Now
Beautiful office space in Portland Oregon.

What our members are saying:

“CCCU has become a trusted lending partner for commercial real estate. With my own commercial purchase and through referring them to investor and owner user clients, I have experienced many times over, a committed and hyperlocal approach, focused on delivering the best client outcome.”

Hope B.

"We’ve used CCCU both for personal real estate financing as well as recommending them to people in our professional spheres. Outstanding service, rapid turnaround, and generally incredibly easy to work with."

Amy & Glen

“I have been a member in some capacity for almost 40 years. I no longer live in OR but have continued to do my banking with CCCU for almost 15 years. I could not be happier with my experience.”

Michael P.

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Frequently Asked Questions

Who is eligible for a CCCU Commercial Real Estate Loan?

Anyone who is eligible for CCCU membership can apply. Learn more about membership.

How long does it take to get approved for a loan?

Preliminary approval takes 1 to 2 business days. Decisions are made locally, and we are typically faster than more traditional institutions.

If I have a commercial loan with another lender, can I refinance with CCCU?

Yes, we refinance commercial real estate loans and can work with you to get the best possible rate and term for your property and situation.

What property types do you finance?

We offer flexible financing options on the following property types:

  • Multi-family properties
  • Apartment complexes
  • Smaller properties
  • Light industrial
  • Office spaces
  • Retail spaces

Don't see your property type above? Just contact our Commercial Lending Team and we'll see if we can help!

Why should I choose CCCU?

No matter the borrower, we offer the same fast
service with a friendly, local feel. 

  • In-house approval and decision making with exceptional underwriting turn times
  • Highly competitive rates and fees
  • No prepayment penalty
  • 25-year amortization
  • Up to 75% Loan-to-Value

And, we're a full-service Financial Institution to meet all your business and personal needs.

DISCLOSURES
All loans subject to credit approval and membership eligibility. Certain credit criteria and restrictions apply. Qualifying rates may be based on a combination of your credit score, the term you select, and other normal lending criteria. Rates are subject to change without notice. For more information, please contact credit union.

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© Consolidated Community Credit Union 2024 | 2021 NE Sandy Blvd Portland, OR 97232 | Routing #: 323075136 

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CCCU is committed to serving all persons within its field of membership, including those with disabilities. We strive to make not only our physical branches accessible but also to conform to WCAG 2.0 guidelines for website accessibility. Our efforts are ongoing including frequent testing and updates to improve accessibility. Should you have any problems accessing our branches or website, please contact us so that we may promptly assist you and remedy any accessibility concerns.

Consolidated Community Credit Union is an assumed business name of Consolidated Federal Credit Union. Consolidated Community Credit Union, CCCU, and Consolidated Federal Credit Union are service marks or registered service marks of Consolidated Federal Credit Union. All other marks not owned by Consolidated Federal Credit Union that appear herein are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by Consolidated Federal Credit Union. Consolidated Community Credit Union, CCCU-Cascade, and CCCU are trade names of Consolidated Federal Credit Union. Although these branches have different names, they are all part of the same credit union and shares held at each office are not separately insured.

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