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FCCT is a metamorphosis of two-time consolidations and mergers of primary cooperatives. In 1994, Atlas Consolidated Mining Development Corporation (ACMDC) closed shop, only two primary cooperatives among the many organizations developed and assisted by its Community Development Department (CDD) of ACMDC were left operational. The two were the Don Andres Soriano Credit Cooperative, Inc. (DASCCI) and Atlas Community Beneficiaries Cooperative (ACBC). Due to organizational struggle, the two consolidate into First Consolidated Cooperative in Toledo (FCCT) and got approval by the Cooperative Development Authority on January 5, 1999.

Another consolidation also happened last October 28, 2003, between Asturias Peoples Multipurpose Cooperative (APMPC) and First Consolidated Cooperative in Toledo (FCCT). This time the definition of the area of operation was expanded to cover the municipalities and cities from Sibulan to Escalante City in Negros and from Santander to Daan Bantayan in Cebu including Bantayan Island, created a new meaning for the acronym FCCT: First Consolidated Cooperative Along Tañon Seaboard

After 2003, more organizational transformation happened at FCCT like merging six struggling cooperatives and opening five branches in Cebu, and five in Negros Island. In 2022, one more cooperatives merged from Bohol as the 18th branch