OnPoint Community Credit Union


Overview / Commentary
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 29th largest credit union in the nation. It was established in 1932 and as of March of 2024, it had grown to 1,081 employees and 558,484 members at 58 locations. OnPoint Community Credit Union's CD rates are 3X the national average, and it has 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 (2)

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.

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!



Health

Health Grade Components

Overall
NCUA #62745
Year Chartered1932
Employees1081
Primary Regulator
Profit Margin
Return on Assets - YTD1.4%
Return on Equity - YTD11.29%
Annual Interest Income$102.8MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$9.21B$8.89B
LoansQ1 2024vs Q1 2023$5.37B$4.83B
DepositsQ1 2024vs Q1 2023$7.85B$7.71B
Equity CapitalQ1 2024vs Q1 2023$1.11B$984.1MM
Loan Loss AllowanceQ1 2024vs Q1 2023$39.3MM$24.8MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$21MM$10.5MM
Real Estate OwnedQ1 2024vs Q1 2023$0$0
Rates
Report an Issue

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
5.25%*$0$100kPremium Bundle Rewards Savings
OTHER TIERS: 3.75% $100k - $250k
5.00%*$5$500OnPoint Savers Account
OTHER TIERS: 0.10% $500+
0.35%$0-Bundle Rewards Savings
0.35%$0-Business Bundle Rewards Savings
0.15%$0-IRA Savings
0.10%$0-Regular Savings
0.10%$0-Business 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 Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$0-Interest Checking
0.05%$0-Business Interest Checking

OnPoint Community Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.75%$1k-Business 60 Month CD w/ Bundle Rewards
2.75%$1k-60 Month CD w/ Bundle Rewards
2.70%$1k-Business 48 Month CD w/ Bundle Rewards
2.70%$1k-48 Month CD w/ Bundle Rewards
2.65%$1k-Business 36 Month CD w/ Bundle Rewards
2.65%$1k-36 Month CD w/ Bundle Rewards
2.61%$1k-Business 24 Month CD w/ Bundle Rewards
2.61%$1k-24 Month CD w/ Bundle Rewards
2.61%$100-24 Month Youth CD w/ Bundle Rewards
2.56%$1k-Business 18 Month CD w/ Bundle Rewards
2.56%$1k-18 Month CD w/ Bundle Rewards
2.56%$100-18 Month Youth CD w/ Bundle Rewards
2.51%$1k-Business 12 Month CD w/ Bundle Rewards
2.51%$1k-12 Month CD w/ Bundle Rewards
2.51%$100-12 Month Youth CD w/ Bundle 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/ Bundle Rewards
2.01%$100-6 Month Youth CD w/ Bundle Rewards
2.01%$1k-Business 6 Month CD w/ Bundle Rewards
1.75%$1k-6 Month CD
1.75%$100-6 Month Youth CD
1.75%$1k-Business 3 Month CD w/ Bundle Rewards
1.75%$1k-3 Month CD w/ Bundle Rewards
1.75%$100-3 Month Youth CD w/ Bundle 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/ Bundle Rewards
2.75%$1k-48 Month IRA w/ Bundle Rewards
2.70%$1k-36 Month IRA w/ Bundle Rewards
2.66%$1k-24 Month Booster Rate IRA w/ Bundle Rewards
2.61%$1k-18 Month Booster Rate IRA w/ Bundle Rewards
2.56%$1k-12 Month Booster Rate IRA w/ Bundle Rewards
2.55%$1k-60 Month IRA
2.50%$1k-48 Month IRA
2.45%$1k-36 Month IRA
2.41%$1k-24 Month Booster Rate IRA
2.36%$1k-18 Month Booster Rate IRA
2.30%$1k-12 Month Booster Rate IRA
2.06%$1k-6 Month IRA w/ Bundle Rewards
1.80%$1k-6 Month IRA
1.80%$1k-3 Month IRA w/ Bundle Rewards
1.55%$1k-3 Month IRA
Locations

Availability



The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.