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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 29th largest credit union in the nation. It was established in 1932 and as of September of 2017, it had grown to 614 employees and 333,037 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.

OnPoint Community Credit Union is a great place to do business

Posted by: sonyapage | Jan 6, 2018

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.

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.



Health Grade Components

NCUA #62745
Year Chartered1932
Primary Regulator
Profit Margin
Return on Assets - YTD1.28%
Return on Equity - YTD11.96%
Annual Interest Income$101.4MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$5.04B$4.44B
LoansQ3 2017vs Q3 2016$3.22B$2.78B
DepositsQ3 2017vs Q3 2016$4.17B$3.82B
Equity CapitalQ3 2017vs Q3 2016$534.5MM$481.5MM
Loan Loss AllowanceQ3 2017vs Q3 2016$10.3MM$10.3MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$6.1MM$5.7MM
Real Estate OwnedQ3 2017vs Q3 2016$0$0
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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