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 29th largest credit union in the nation. It was established in 1932 and as of December of 2022, it had grown to 983 employees and 503,078 members at 56 locations. OnPoint Community Credit Union's CD rates are 39% higher than the national average, and it has a B+ 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

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 - YTD1.16%
Return on Equity - YTD11.23%
Annual Interest Income$239.5MM
Assets and Liabilities
AssetsQ4 2022vs Q4 2021$8.93B$9.04B
LoansQ4 2022vs Q4 2021$4.69B$3.88B
DepositsQ4 2022vs Q4 2021$7.77B$7.99B
Equity CapitalQ4 2022vs Q4 2021$932.0MM$948.1MM
Loan Loss AllowanceQ4 2022vs Q4 2021$11.9MM$11.5MM
Unbacked Noncurrent LoansQ4 2022vs Q4 2021$10.9MM$5.5MM
Real Estate OwnedQ4 2022vs Q4 2021$0$0
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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

5.00%*$5$500OnPoint Savers Account
OTHER TIERS: 0.10% $500+
4.25%*-$100kPremium Bundle Rewards Savings
OTHER TIERS: 2.75% $100k - $250k
0.35%--Bundle Rewards Savings
0.35%--Business Bundle Rewards Savings
0.15%--IRA Savings
0.10%--Regular Savings
0.10%--Business Savings
0.05%-- HSA Checking

OnPoint Community Credit Union Money Market Rates

0.20%--Money Market IRA
0.15%--FlexSmart Money Market Account
0.15%--Business Money Market

OnPoint Community Credit Union Checking Account Rates

0.05%--Interest Checking
0.05%--Business Interest Checking

OnPoint Community Credit Union CD Rates

1.75%$1k-Business 60 Month CD w/ Bundle Rewards
1.70%$1k-Business 48 Month CD w/ Bundle Rewards
1.70%$1k-48 Month CD w/ Bundle Rewards
1.65%$1k-Business 36 Month CD w/ Bundle Rewards
1.65%$1k-36 Month CD w/ Bundle Rewards
1.60%$1k-Business 24 Month CD w/ Bundle Rewards
1.60%$1k-24 Month CD w/ Bundle Rewards
1.60%$100-24 Month Youth CD w/ Bundle Rewards
1.55%$1k-Business 18 Month CD w/ Bundle Rewards
1.55%$1k-18 Month CD w/ Bundle Rewards
1.55%$100-18 Month Youth CD w/ Bundle Rewards
1.50%$1k-Business 60 Month CD
1.50%$1k-Business 12 Month CD w/ Bundle Rewards
1.50%$1k-12 Month CD w/ Bundle Rewards
1.50%$100-12 Month Youth CD w/ Bundle Rewards
1.45%$1k-48 Month CD
1.45%$1k-Business 48 Month CD
1.40%$1k-36 Month CD
1.40%$1k-Business 36 Month CD
1.35%$1k-24 Month CD
1.35%$100-24 Month Youth CD
1.35%$1k-Business 24 Month CD
1.30%$1k-18 Month CD
1.30%$100-18 Month Youth CD
1.30%$1k-Business 18 Month CD
1.25%$1k-12 Month CD
1.25%$100-12 Month Youth CD
1.25%$1k-Business 12 Month CD
1.00%$1k-6 Month CD w/ Bundle Rewards
1.00%$100-6 Month Youth CD w/ Bundle Rewards
1.00%$1k-Business 6 Month CD w/ Bundle Rewards
0.75%$1k-6 Month CD
0.75%$100-6 Month Youth CD
0.75%$1k-Business 3 Month CD w/ Bundle Rewards
0.75%$1k-3 Month CD w/ Bundle Rewards
0.75%$100-3 Month Youth CD w/ Bundle Rewards
0.75%$1k-Business 6 Month CD
0.50%$1k-3 Month CD
0.50%$100-3 Month Youth CD
0.50%$1k-Business 3 Month CD

OnPoint Community Credit Union IRA Rates

1.80%$1k-60 Month IRA w/ Bundle Rewards
1.75%$1k-48 Month IRA w/ Bundle Rewards
1.70%$1k-36 Month IRA w/ Bundle Rewards
1.65%$1k-24 Month Booster Rate IRA w/ Bundle Rewards
1.60%$1k-18 Month Booster Rate IRA w/ Bundle Rewards
1.55%$1k-60 Month IRA
1.55%$1k-12 Month Booster Rate IRA w/ Bundle Rewards
1.50%$1k-48 Month IRA
1.45%$1k-36 Month IRA
1.40%$1k-24 Month Booster Rate IRA
1.35%$1k-18 Month Booster Rate IRA
1.30%$1k-12 Month Booster Rate IRA
1.05%$1k-6 Month IRA w/ Bundle Rewards
0.80%$1k-6 Month IRA
0.80%$1k-3 Month IRA w/ Bundle Rewards
0.55%$1k-3 Month IRA


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