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OnPoint Community Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/23/2025
4.54%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/23/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/23/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/23/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/23/2025
4.39%
Our Rating
3.6  / 5
Valley National Bank
High-Yield Savings Account Via Raisin
See Offer
Sponsored Note: Valley National Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/23/2025
4.25%
Our Rating
3.7  / 5
Sallie Mae Bank
14 Month High-Yield CD Via Raisin
See Offer
Sponsored Note: Sallie Mae Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.onpointcu.com
503-228-7077
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 25th largest credit union in the nation. It was established in 1932 and as of December of 2024, it had grown to 1,160 employees and 594,521 members at 59 locations. OnPoint Community Credit Union's CD rates are 3X the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Membership in OnPoint Community Credit Union is open to those who live or work in the Oregon counties of Benton, Clackamas, Clatsop, Columbia, Coos, Crook, Curry, Deschutes, Douglas, Gilliam, Hood River, Jackson, Jefferson, Josephine, Klamath, Lane, Lincoln, Linn, Marion, Morrow, Multnomah, Polk, Sherman, Tillamook, Wasco, Washington, Wheeler, or Yamhill, or the Washington counties of Clark or Skamania. Membership is also open to immediate family of those eligible for membership.
See current membership details

Reviews (4)

Ancient Outdated Online Banking, Bad Customer Support

Posted by: |

Onpoint credit union offers competitive interest rates which is why I went with them to open a new account recently. Unfortunately their online banking is so old and buggy, it is light years behind accounts I have at other local credit unions. Their online support is extremely unhelpful, borderline offensive. Basic support questions go unanswered or you're told to call a phone number and wait on hold. They also don't seem to care about feedback and never reach out, again when you compare to other local credit unions this is night and day difference. I can't recommend OPCU. Thankfully there are better credit unions in Portland.

1

Terrible Credit Union

Posted by: |

Absolutely terrible credit union. They will freeze your account and money indefinitely at their whims

1

Disappointed

Posted by: |

They claim to be a community credit union that wants to help their members/community but they’re just like any other big box bank and only looking out for themselves. The only difference is their marketing. Don’t expect to be seen as a person or helped to improve your financial health unless your credit score and socioeconomic status is high enough for them to consider you a valued customer/member and worthy of their services.

6

Onpoint Community Union Sucks

Posted by: |

I got my credit card account closed with no warning, later on, I got a letter with some ridiculous explanation about them reviewing my account and finding a big change in my financial life:)

I made more money last year then any year since I was born!

Made payments on time for over 5 years and got humiliated with their crappy later.


STAY AWAY!

4


Health
A+

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #62745
Year Chartered1932
Employees1160
Primary Regulator
Profit Margin
Return on Assets - YTD1.29%
Return on Equity - YTD10.15%
Annual Interest Income$450.7MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$9.71B$8.74B
LoansQ4 2024vs Q4 2023$5.76B$5.28B
DepositsQ4 2024vs Q4 2023$8.27B$7.42B
Equity CapitalQ4 2024vs Q4 2023$1.23B$1.09B
Loan Loss AllowanceQ4 2024vs Q4 2023$46.8MM$36.8MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$36.1MM$29.4MM
Real Estate OwnedQ4 2024vs Q4 2023$0$303K
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/23/2025
4.54%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/23/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/23/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/23/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/23/2025
4.39%
Our Rating
3.6  / 5
Valley National Bank
High-Yield Savings Account Via Raisin
See Offer
Sponsored Note: Valley National Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 3/23/2025
4.25%
Our Rating
3.7  / 5
Sallie Mae Bank
14 Month High-Yield CD Via Raisin
See Offer
Sponsored Note: Sallie Mae Bank, Member FDIC. $1 minimum, with no fees to open and maintain through Raisin. $250 bonus for new customers with a minimum deposit of $25,000 with promo code GET250.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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Always verify rates and promotions with the bank or credit union. We are not OnPoint Community Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

OnPoint Community Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%*$5$500OnPoint Savers Account
OTHER TIERS: 0.10% → $500+
4.25%*$0$100kOnPoint Premium Savings
OTHER TIERS: 2.75% → $100k+
0.35%$0-OnPoint Loyalty Savings
0.35%$0-OnPoint Business Rewards Savings
0.10%$0-Regular Savings
0.10%$0-Business Savings
0.10%$0-Secondary Savings
0.10%$0-Business Secondary Savings
0.05%$0- HSA Checking

OnPoint Community Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%$0-Money Market IRA
0.15%$0-FlexSmart Money Market Account
0.15%$0-Business Money Market

OnPoint Community Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.75%$1k-Business 60 Month CD w/ OnPoint Rewards
2.75%$1k-60 Month CD w/ OnPoint Rewards
2.70%$1k-Business 48 Month CD w/ OnPoint Rewards
2.70%$1k-48 Month CD w/ OnPoint Rewards
2.65%$1k-Business 36 Month CD w/ OnPoint Rewards
2.65%$1k-36 Month CD w/ OnPoint Rewards
2.61%$1k-Business 24 Month CD w/ OnPoint Rewards
2.61%$1k-24 Month CD w/ OnPoint Rewards
2.61%$100-24 Month Youth CD w/ OnPoint Rewards
2.56%$1k-Business 18 Month CD w/ OnPoint Rewards
2.56%$1k-18 Month CD w/ OnPoint Rewards
2.56%$100-18 Month Youth CD w/ OnPoint Rewards
2.51%$1k-Business 12 Month CD w/ OnPoint Rewards
2.51%$1k-12 Month CD w/ OnPoint Rewards
2.51%$100-12 Month Youth CD w/ OnPoint Rewards
2.50%$1k-Business 60 Month CD
2.50%$1k- 60 Month CD
2.45%$1k-48 Month CD
2.45%$1k-Business 48 Month CD
2.40%$1k-36 Month CD
2.40%$1k-Business 36 Month CD
2.36%$1k-24 Month CD
2.36%$100-24 Month Youth CD
2.36%$1k-Business 24 Month CD
2.30%$1k-18 Month CD
2.30%$100-18 Month Youth CD
2.30%$1k-Business 18 Month CD
2.25%$1k-12 Month CD
2.25%$100-12 Month Youth CD
2.25%$1k-Business 12 Month CD
2.01%$1k-6 Month CD w/ OnPoint Rewards
2.01%$100-6 Month Youth CD w/ OnPoint Rewards
2.01%$1k-Business 6 Month CD w/ OnPoint Rewards
1.75%$1k-6 Month CD
1.75%$100-6 Month Youth CD
1.75%$1k-Business 3 Month CD w/ OnPoint Rewards
1.75%$1k-3 Month CD w/ OnPoint Rewards
1.75%$100-3 Month Youth CD w/ OnPoint Rewards
1.75%$1k-Business 6 Month CD
1.50%$1k-3 Month CD
1.50%$100-3 Month Youth CD
1.50%$1k-Business 3 Month CD

OnPoint Community Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.81%$1k-60 Month IRA w/ OnPoint Rewards
2.75%$1k-48 Month IRA w/ OnPoint Rewards
2.70%$1k-36 Month IRA w/ OnPoint Rewards
2.66%$1k-24 Month IRA w/ OnPoint Rewards
2.61%$1k-18 Month IRA w/ OnPoint Rewards
2.56%$1k-12 Month IRA w/ OnPoint Rewards
2.55%$1k-60 Month IRA
2.50%$1k-48 Month IRA
2.45%$1k-36 Month IRA
2.41%$1k-24 Month IRA
2.36%$1k-18 Month IRA
2.30%$1k-12 Month IRA
2.06%$1k-6 Month IRA w/ OnPoint Rewards
1.80%$1k-6 Month IRA
1.80%$1k-3 Month IRA w/ OnPoint Rewards
1.55%$1k-3 Month IRA
0.15%$0-IRA Savings
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