OnPoint Community Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	HOW THEY COMPARE
1.25%	Reward Savings	0.92% - National Average
2.00%	5-year CD	3.10% - Goldman Sachs Bank USA High-yield 5 Year CD
1.20%	1-year CD	2.65% - Barclays 12 Month Online CD

View all OnPoint Community Credit Union rates »

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 28^th largest credit union in the nation. It was established in 1932 and as of September of 2018, it had grown to 646 employees and 356,642 members at 32 locations. OnPoint Community Credit Union's CD rates are 33% higher than 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 Benton, Crook, Clackamas, Columbia, Deschutes, Lane, Jefferson, Linn, Multnomah, Marion, Washington, Polk or Yamhill counties in Oregon and Skamania or Clark counties in Washington. Membership is also open to immediate family of those eligible for membership.
See current membership details

Greater than any bank

Posted by: kirstenhaas56 | Jul 2, 2017

I have always used banks such as US Bank or Bank of America, but this credit union blows my mind away. The customer service has always been great, I have never had a complaint about their website or with their banking system. They always have a happy teller help me with my money and always finish things quickly so I can get on with my day. I have never had a problem with overdraft either as they are pretty open to going over as long as you put money in within a few days.

Comment

1

OnPoint Community Credit Union is a great place to do business

Posted by: sonyapage | Jan 6, 2018

We switched over to a credit union after dealing with a large national brand bank. We are very pleased with this decision. We currently have a checking and a savings account with them and couldn't be happier. If you want a checking and saving with very few requirements, this is the place to go. Most of their accounts are free unlike the majority of large banks. You don't have to have a large minimum balance, or do a certain number of transactions in order to avoid a fee. They do have some accounts where you are required to have a minimum balance, but they come with perks, such as a checking account that accrues interest. They have a good account for everyone with a lot of different choices. I like that I don't have to worry about service fees with the accounts that they offer.

Comment

1

First Experience

Posted by: shanikajennings86 | Aug 3, 2017

ON Point Community Credit Union was my first experience in dealing with a Credit Union instead of a large national banking institution. The first difference I noticed was the customer service, the staff members all seemed to care more about what my goals were, and what my banking needs were instead of the salesman like attitude I have come across in other banks. The next important thing was significantly better rates for interest on loans and savings accounts. Before using On Point I had the idea it would be difficult to find ATMs when out of the area, however Credit Union ATM networks have that all sorted out so I never came across a time when I did not have access to a Fee Free ATM even when I was out of the state. Overall this institution made me feel like I was acutely part of the banking system instead of a warm body to sell things to, and I won't be going back to traditional banking institutions again.

Comment

1

A+ for all of your needs!

Posted by: MICHELLE215 | Dec 8, 2015

I was first introduced to Onpoint Credit Union through a car loan and was so pleased with the way they handled my auto loan account that I switched all of my accounts from a nationally recognized bank that I had been a member of for 20 years to Onpoint. I currently have a checking and a savings account through Onpoint and I am very happy with the customer service that they provide. The impersonal customer service that I had at my previous bank was not to my liking and Onpoint has proven to be more about the customer than about the money. Whenever I contact them via phone, my questions and/or concerns are taken care of quickly by someone pleasant and knowledgeable and it makes banking with them a breeze. My checking and savings account don't come with monthly fees or additional fees for transfers or going over a certain number of withdrawals in a specific time frame. The best part was when I overdrew my account accidentally. At my previous bank, an overdraft charge of $35 would be applied to my account for an accidental overdraft and, if my account couldn't cover the fee, I would be charged additional $35 fees to cover more overdrafts caused by the first. Onpoint never charged me an overdraft fee for my mistake and I was grateful! Never in my life would I have expected that! I highly recommend Onpoint to my friends and family whether it be for loans, checking or savings accounts, etc. I will never go back to a large, nationally recognized bank ever again!

Comment

1

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Health

A+

Data as of Q3 2018

Learn why bank health matters

Health Grade Components

Overall
NCUA #	62745
Year Chartered	1932
Employees	646
Primary Regulator

Profit Margin
Return on Assets - YTD	1.46%
Return on Equity - YTD	13.13%
Annual Interest Income	$122.4MM

Assets and Liabilities
Assets	Q3 2018vs Q3 2017	$5.47B$5.04B
Loans	Q3 2018vs Q3 2017	$3.44B$3.22B
Deposits	Q3 2018vs Q3 2017	$4.45B$4.17B
Equity Capital	Q3 2018vs Q3 2017	$604.2MM$534.5MM
Loan Loss Allowance	Q3 2018vs Q3 2017	$11.0MM$10.3MM
Unbacked Noncurrent Loans	Q3 2018vs Q3 2017	$6.2MM$6.1MM
Real Estate Owned	Q3 2018vs Q3 2017	$0$0

Rates

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Savings
Money Market
Checking
CD
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* 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

APY	MIN	MAX	ACCOUNT NAME
1.25%^*	$250k^*	-	Bundle Rewards Savings
OTHER TIERS: 0.70% → Up to $50k \| 0.85% → $50k - $100k \| 1.00% → $100k - $250k
0.15%^*	$100k^*	-	Business Savings
OTHER TIERS: 0.05% → Up to $25k \| 0.10% → $25k - $100k
0.10%^*	$25k^*	-	HSA Checking
OTHER TIERS: 0.05% → Up to $25k
0.05%	$5	-	Regular Savings
0.05%	-	-	IRA Savings

OnPoint Community Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%^*	$250k^*	-	Money Market IRA
OTHER TIERS: 0.05% → Up to $10k \| 0.10% → $10k - $50k \| 0.15% → $50k - $100k \| 0.20% → $100k - $250k
0.25%^*	$250k^*	-	Business Money Market
OTHER TIERS: 0.05% → $5k - $10k \| 0.10% → $10k - $50k \| 0.15% → $50k - $100k \| 0.20% → $100k - $250k
0.20%^*	$100k^*	-	FlexSmart Money Market Account
OTHER TIERS: 0.05% → Up to $10k \| 0.10% → $10k - $50k \| 0.15% → $50k - $100k

OnPoint Community Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	-	-	Interest Checking
0.05%	-	-	Business Interest Checking

OnPoint Community Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.25%^*	$50k^*	-	60 Month Annual Withdrawal CD w/ Bundle Rewards
OTHER TIERS: 2.00% → $1k - $50k
2.05%^*	$50k^*	-	48 Month CD w/ Bundle Rewards
OTHER TIERS: 1.80% → $1k - $50k
2.00%^*	$50k^*	-	60 Month Annual Withdrawal CD
OTHER TIERS: 1.75% → $1k - $50k
1.90%^*	$50k^*	-	36 Month CD w/ Bundle Rewards
OTHER TIERS: 1.65% → $1k - $50k
1.80%^*	$50k^*	-	48 Month CD
OTHER TIERS: 1.55% → $1k - $50k
1.70%^*	$50k^*	-	24 Month CD w/ Bundle Rewards
OTHER TIERS: 1.45% → $1k - $50k
1.70%^*	$50k^*	-	24 Month Youth CD w/ Bundle Rewards
OTHER TIERS: 1.45% → $100 - $50k
1.65%^*	$50k^*	-	36 Month CD
OTHER TIERS: 1.40% → $1k - $50k
1.60%^*	$50k^*	-	18 Month CD w/ Bundle Rewards
OTHER TIERS: 1.35% → $1k - $50k
1.60%^*	$50k^*	-	18 Month Youth CD w/ Bundle Rewards
OTHER TIERS: 1.35% → $100 - $50k
1.45%^*	$50k^*	-	24 Month CD
OTHER TIERS: 1.20% → $1k - $50k
1.45%^*	$50k^*	-	24 Month Youth CD
OTHER TIERS: 1.20% → $100 - $50k
1.44%^*	$50k^*	-	12 Month CD w/ Bundle Rewards
OTHER TIERS: 1.20% → $1k - $50k
1.44%^*	$50k^*	-	12 Month Youth CD w/ Bundle Rewards
OTHER TIERS: 1.20% → $100 - $50k
1.35%^*	$50k^*	-	18 Month CD
OTHER TIERS: 1.10% → $1k - $50k
1.35%^*	$50k^*	-	18 Month Youth CD
OTHER TIERS: 1.10% → $100 - $50k
1.30%^*	$50k^*	-	6 Month CD w/ Bundle Rewards
OTHER TIERS: 1.05% → $1k - $50k
1.30%^*	$50k^*	-	6 Month Youth CD w/ Bundle Rewards
OTHER TIERS: 1.05% → $100 - $50k
1.20%^*	$50k^*	-	12 Month CD
OTHER TIERS: 0.95% → $1k - $50k
1.20%^*	$50k^*	-	12 Month Youth CD
OTHER TIERS: 0.95% → $100 - $50k
1.20%^*	$50k^*	-	3 Month CD w/ Bundle Rewards
OTHER TIERS: 0.95% → $1k - $50k
1.20%^*	$50k^*	-	3 Month Youth CD w/ Bundle Rewards
OTHER TIERS: 0.95% → $100 - $50k
1.05%^*	$50k^*	-	6 Month CD
OTHER TIERS: 0.80% → $1k - $50k
1.05%^*	$50k^*	-	6 Month Youth CD
OTHER TIERS: 0.80% → $100 - $50k
0.95%^*	$50k^*	-	3 Month CD
OTHER TIERS: 0.70% → $1k - $50k
0.95%^*	$50k^*	-	3 Month Youth CD
OTHER TIERS: 0.70% → $100 - $50k

OnPoint Community Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.25%^*	$50k^*	-	60 Month IRA w/ Bundle Rewards
OTHER TIERS: 2.00% → $1k - $50k
2.05%^*	$50k^*	-	48 Month IRA w/ Bundle Rewards
OTHER TIERS: 1.80% → $1k - $50k
2.00%^*	$50k^*	-	60 Month IRA
OTHER TIERS: 1.75% → $1k - $50k
1.90%^*	$50k^*	-	36 Month IRA w/ Bundle Rewards
OTHER TIERS: 1.65% → $1k - $50k
1.80%^*	$50k^*	-	48 Month IRA
OTHER TIERS: 1.55% → $1k - $50k
1.70%^*	$50k^*	-	24 Month Booster Rate IRA w/ Bundle Rewards
OTHER TIERS: 1.45% → $1k - $50k
1.65%^*	$50k^*	-	36 Month IRA
OTHER TIERS: 1.40% → $1k - $50k
1.60%^*	$50k^*	-	18 Month Booster Rate IRA w/ Bundle Rewards
OTHER TIERS: 1.35% → $1k - $50k
1.45%^*	$50k^*	-	24 Month Booster Rate IRA
OTHER TIERS: 1.20% → $1k - $50k
1.45%^*	$50k^*	-	12 Month Booster Rate IRA w/ Bundle Rewards
OTHER TIERS: 1.20% → $1k - $50k
1.35%^*	$50k^*	-	18 Month Booster Rate IRA
OTHER TIERS: 1.10% → $1k - $50k
1.30%^*	$50k^*	-	6 Month IRA w/ Bundle Rewards
OTHER TIERS: 1.05% → $1k - $50k
1.20%^*	$50k^*	-	12 Month Booster Rate IRA
OTHER TIERS: 0.95% → $1k - $50k
1.20%^*	$50k^*	-	3 Month IRA w/ Bundle Rewards
OTHER TIERS: 0.95% → $1k - $50k
1.05%^*	$50k^*	-	6 Month IRA
OTHER TIERS: 0.80% → $1k - $50k
0.95%^*	$50k^*	-	3 Month IRA
OTHER TIERS: 0.70% → $1k - $50k

Locations

Availability

Portland Area

Portland Area bank & credit union details

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