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Overview / Commentary
2701 NW Vaughn St
Portland, OR 97210

Onpoint Community Credit Union is headquartered in Portland and is the largest credit union in the state of Oregon. It is also the 38th largest credit union in the nation. It was established in 1932 and as of March of 2014, it had grown to 494 employees and 265,489 members. Onpoint Community Credit Union has a A+ health rating.

Field of Membership Restrictions

Must live or work in Benton, Clackamas, Columbia, Deschutes, Lane, Linn, Marion, Multnomah, Polk, Washington or Yamhill County in Oregon or Clark or Skamania County in Washington. - See Details

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Reviews (5)

Onpoint/Never Again

I have been with OnPoint for several months.  My experience as a banking client has been plagued with errors, lack of social skills from reps., obvious lack of caring from reps., inflexible and "automatic" responses.  It is clear that OnPoint as a rule has no sense of caring for its customer and at times is brutal, in particular through email correspondence.  The stress has been immeasurable and I am leaving today.  Whew. What a relief. Don't use this credit union unless you have such poor regard for yourself that you feel poor treatment is ok!  I have the sense that if I were a wealthyclient, my treatment might be entirely different from OnPoint......

Horrible Bank!!!

I have had my loan with them for three years and thought I was almost done with my loan.  Well come to find out they have added $500 of late fees for the past two years!!!  The only way i found out about this was by calling to see when my loan was paid in full.  Well the teller gave me the balance and they had added another 5 months to the term for these phantom late charges!!!  I have my payment AUTOMATICALLY and INSTANTANEOUSLY paid every month, but somehow I am late for 15 months. DO NOT BANK WITH THESE THIEVES!!!

Great service, but slowly becoming a bank

I've been a member here for over 20 years. On the customer service end, I have had no issues. Everyone has always been very helpful and friendly.

However, the credit union has grown quite a bit since I first became a member, and are starting to act a bit more like a bank. They have started tacking on more fees, and not sending out notifications about this. Also, compared to other local credit unions, they are about .10-.15 cents higher.

They are also one of the few credit unions left that does not offer a high interest checking account, such as the Fusion Checking account at Advantis Credit Union.

Overall, my experience has been mostly positive. But I won't be referring new members to them any time soon.

New Online Banking Site Stinks

They recently changed their site online. It was usable before, now it is not. They used to send me an e-mail saying a bill had arrived, no more. I used to be able to pay bills online, now that button doesn't work. I tried to complain online, that button no longer works. Since almost all my banking is online, I am shifting funds away from them immediately.

So Happy I Switched This Spring (But Seriously Get Some Safety Deposit Boxes People)

easier to open checking accounts, easy to get credit cards, great customer service and rewarding feel

but if they want to compete with other banks they need basic services like safe deposit boxes! Their new downtown Bend branch had them (as a wamu branch) until Onpoint actually moved in- WTF !?!


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Onpoint Community Credit Union had $10.25 million in non-current loans and owned real-estate with $374.77 million in equity and loan loss allowances on hand to cover it. This gives Onpoint Community Credit Union a Texas Ratio of 2.74% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Onpoint Community Credit Union decreased dramatically from 4.75% as of March 31, 2013 to 2.74% as of March 31, 2014, resulting in a positive change of 42.46%.This indicates that the balance sheet and financial strength for Onpoint Community Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Onpoint Community Credit Union has increased its total deposits by $150.64 million, resulting in 5.16% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Onpoint Community Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Onpoint Community Credit Union has $3.47 billion in assets with $374.77 million in equity, resulting in a capitalization level of 10.79%, which is above average.

Institution Statistics

NCUA #62745
Year Chartered1932
Primary Regulator
Assets and Liabilities
Assets$3.47 billion
Loans$2.00 billion
Deposits$3.07 billion
Equity Capital$361.40 million
Loan Loss Allowance$13.37 million
Unbacked Noncurrent Loans$9.40 million
Real Estate Owned$850,000
Historic Data - March 2013
Assets$3.32 billion
Equity Capital$339.74 million
Loan Loss Allowance$18.80 million
Unbacked Noncurrent Loans$9.40 million
Real Estate Owned$1.34 million
Profit Margin - Quarterly
Net Interest Margin1.04%
Return on Assets1.03%
Return on Equity9.89%
Interest Income$24.71 million

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Onpoint Community Credit Union Savings Account Rates

0.15%$100k-Market Rate Savings Account
0.15%$100k-Business Savings Account
0.05%--Regular Savings Account
0.05%--IRA Savings Account
0.05%--Roth IRA Savings Account

Onpoint Community Credit Union Money Market Rates

0.25%$250k-Money Market IRA Account
0.25%$250k-Business Money Market Account
0.20%$100k-FlexSmartSM Money Market Account

Onpoint Community Credit Union Checking Account Rates

0.05%--Interest Checking Account
0.05%--Business Interest Checking Account

Onpoint Community Credit Union CD Rates

0.85%$5k-60 Month Annual Withdrawal CD
0.85%$5k-60 Month Annual Withdrawal Business CD
0.65%$1k-48 Month CD
0.65%$1k-48 Month Business CD
0.50%$1k-36 Month CD
0.50%$1k-36 Month Business CD
0.35%$1k-24 Month CD
0.35%$100-24 Month Youth CD
0.35%$1k-24 Month Business CD
0.30%$1k-18 Month CD
0.30%$100-18 Month Youth CD
0.30%$1k-18 Month Business CD
0.20%$1k-12 Month CD
0.20%$100-12 Month Youth CD
0.20%$1k-12 Month Business CD
0.15%$1k-6 Month CD
0.15%$100-6 Month Youth CD
0.15%$1k-6 Month Business CD
0.10%$1k-3 Month CD
0.10%$100-3 Month Youth CD
0.10%$1k-3 Month Business CD

Onpoint Community Credit Union IRA Rates

0.85%$1k-60 Month IRA
0.65%$1k-48 Month IRA
0.50%$1k-36 Month IRA
0.35%$1k-24 Month Booster Rate IRA
0.30%$1k-18 Month Booster Rate IRA
0.20%$1k-12 Month Booster Rate IRA
0.15%$1k-6 Month IRA
0.10%$1k-3 Month IRA

Onpoint Community Credit Union has 24 locations. Click to view all Onpoint Community Credit Union locations.