Featured Savings Rates
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OnPoint Community Credit Union

Popular Accounts at this Credit Union

1.50%5-year CD60 Month Annual Withdrawal CD
0.55%1-year CD12 Month CD
0.05%SavingsRegular Savings Account

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 31st largest credit union in the nation. It was established in 1932 and as of June of 2017, it had grown to 587 employees and 326,973 members at 28 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

Related Posts

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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.

First Experience

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.

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.



Health Grade Components

NCUA #62745
Year Chartered1932
Primary Regulator
Profit Margin
Return on Assets - YTD1.26%
Return on Equity - YTD11.82%
Annual Interest Income$65.7MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$4.90B$4.18B
LoansQ2 2017vs Q2 2016$3.12B$2.65B
DepositsQ2 2017vs Q2 2016$4.12B$3.62B
Equity CapitalQ2 2017vs Q2 2016$516.6MM$470.5MM
Loan Loss AllowanceQ2 2017vs Q2 2016$10.2MM$10.3MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$4.9MM$5.8MM
Real Estate OwnedQ2 2017vs Q2 2016$0$87.00K
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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

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

OnPoint Community Credit Union Money Market Rates

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

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

OnPoint Community Credit Union CD Rates

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%$1k-24 Month Youth CD
0.75%$1k-24 Month Business CD
0.65%$1k-18 Month CD
0.65%$1k-18 Month Youth CD
0.65%$1k-18 Month Business CD
0.55%$1k-12 Month CD
0.55%$1k-12 Month Youth CD
0.55%$1k-12 Month Business CD
0.45%$1k-6 Month CD
0.45%$1k-6 Month Youth CD
0.45%$1k-6 Month Business CD
0.35%$1k-3 Month CD
0.35%$1k-3 Month Youth CD
0.35%$1k-3 Month Business CD

OnPoint Community Credit Union IRA Rates

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
0.65%$1k-18 Month Booster Rate IRA
0.55%$1k-12 Month Booster Rate IRA
0.45%$1k-6 Month IRA
0.35%$1k-3 Month IRA