Featured Savings Rates
Featured Accounts

OnPoint Community Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.50%5-year CD60 Month Annual Withdrawal CD
0.45%1-year CD12 Month CD
0.05%SavingsRegular Savings Account

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 33rd largest credit union in the nation. It was established in 1932 and as of December of 2016, it had grown to 579 employees and 315,619 members at 27 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

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A+ for all of your needs!

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!

OnPoint Credit Union - good, consistent, affordable, dependable, efficient and friendly

Posted by: SuMarq@PDX | Jul 3, 2015

We moved our joint checking and savings over from major bank to OnPoint Credit Union about two years ago. Did a lot of research at the time, and OnPoint had a great reputation, and they have lived up to their reputation. We do not incur ATM fees because of their agreement with a bank that allows us to use their ATM's without fee. They also have a branch at the supermarket we shop at regularly. I have used the branch services on many occasions for services ranging from notarizing documents, to getting advice on accounts for our son, to getting certified checks to pay for a purchases. Service is always fast, efficient, and their staff is very friendly. I recommend OnPoint to anyone looking for a good, affordable, dependable, efficient and friendly credit union.

Great service, but slowly becoming a bank

Posted by: AMP | Jul 23, 2014

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.

Not Family Friendly

Posted by: Jay111 | Mar 15, 2017

My wife and I joined onPoint, after deciding to step away from BofA. We wanted a family minded company that wanted to help us grow financially, and one day support larger goals. We've had our mis-steps, but on the whole have good credit, good standing accounts, and active use of checking, savings, and investing.

They denied us everytime we asked for anything.

5 years ago -Mortgage planning, we were told our goals werent realistic and it wasn't worth reviewing. This was after setting a pre-discussed meeting and bringing in a binder of financials and prospective properties. We only were looking in the 150k-200k range.

2 years ago-Credit card established for over 3 years wanted an increase from a pathetic $200 card to a $5k line. We were denied. We requested this to help with medical bills for our newborn. He was with us during the meeting even.

2 years ago - needed to purchase a used car, had 2K in the bank, and were denied due to the Target scandal. We brought our credit reports showing the fraudulant charges were disputed and being removed. They dinged our credit and denied us. Again, this was a personal meeting.

Today - We asked to get a $10k personal line of credit. We have substantial incomes at this point in our life, and carry over that balance in savings from time to time. We were again denied.

We chose this bank so they would grow with us, as we built a family. They have NEVER supported us, and it's time to find a company who cares about their members.

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Health

Health Grade Components

Overall
NCUA #62745
Year Chartered1932
Employees579
Primary Regulator
Profit Margin
Return on Assets - YTD1.14%
Return on Equity - YTD10.64%
Annual Interest Income$115.5MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$4.56B$3.91B
LoansQ4 2016vs Q4 2015$2.93B$2.45B
DepositsQ4 2016vs Q4 2015$3.89B$3.43B
Equity CapitalQ4 2016vs Q4 2015$482.3MM$434.5MM
Loan Loss AllowanceQ4 2016vs Q4 2015$10.4MM$10.2MM
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$6.5MM$6.9MM
Real Estate OwnedQ4 2016vs Q4 2015$0$578.00K
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$100k*-Market Rate Savings Account
OTHER TIERS: 0.05% Up to $25k | 0.10% $25k - $100k
0.15%*$100k*-Business Savings Account
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%--Regular Savings Account
0.05%--IRA Savings Account
0.05%--Roth IRA Savings Account

OnPoint Community Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$250k*-Money Market IRA Account
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 Account
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% $5k - $10k | 0.10% $10k - $50k | 0.15% $50k - $100k

OnPoint Community Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%--Interest Checking Account
0.05%--Business Interest Checking Account

OnPoint Community Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%$5k-60 Month Annual Withdrawal CD
1.50%$1k-Business 60 Month CD
1.25%$1k-48 Month CD
1.25%$1k-48 Month Business CD
1.00%$1k-36 Month CD
1.00%$1k-36 Month Business CD
0.75%$1k-24 Month CD
0.75%$100-24 Month Youth CD
0.75%$1k-24 Month Business CD
0.55%$1k-18 Month CD
0.55%$100-18 Month Youth CD
0.55%$1k-18 Month Business CD
0.45%$1k-12 Month CD
0.45%$100-12 Month Youth CD
0.45%$1k-12 Month Business CD
0.30%$1k-6 Month CD
0.30%$100-6 Month Youth CD
0.30%$1k-6 Month Business CD
0.20%$1k-3 Month CD
0.20%$100-3 Month Youth CD
0.20%$1k-3 Month Business CD

OnPoint Community Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%$1k-60 Month IRA
1.25%$1k-48 Month IRA
1.00%$1k-36 Month IRA
0.75%$1k-24 Month Booster Rate IRA
0.55%$1k-18 Month Booster Rate IRA
0.45%$1k-12 Month Booster Rate IRA
0.30%$1k-6 Month IRA
0.20%$1k-3 Month IRA
Locations

OnPoint Community Credit Union has 27 locations. Click to view all OnPoint Community Credit Union locations.