OnPoint Community Credit Union

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 23rd largest credit union in the nation. It was established in 1932 and as of June of 2022, it had grown to 953 employees and 485,961 members at 56 locations. OnPoint Community Credit Union has 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

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.

OnPoint Community Credit Union is a great place to do business

Posted by: |

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.

Great service, but slowly becoming a bank

Posted by: |

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.


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.



Health Grade Components

NCUA #62745
Year Chartered1932
Primary Regulator
Profit Margin
Return on Assets - YTD0.83%
Return on Equity - YTD8.73%
Annual Interest Income$95.8MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$9.41B$8.51B
LoansQ2 2022vs Q2 2021$4.30B$3.57B
DepositsQ2 2022vs Q2 2021$8.32B$7.48B
Equity CapitalQ2 2022vs Q2 2021$898.1MM$941.9MM
Loan Loss AllowanceQ2 2022vs Q2 2021$11.5MM$14.3MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$7.3MM$4.2MM
Real Estate OwnedQ2 2022vs Q2 2021$0$0

Rates for OnPoint Community Credit Union are currently being reviewed.



Portland Area

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