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OnPoint Community Credit Union


Overview / Commentary
www.onpointcu.com
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 26th largest credit union in the nation. It was established in 1932 and as of September of 2024, it had grown to 1,120 employees and 585,168 members at 58 locations. OnPoint Community Credit Union's CD rates are 3X the national average, and it boasts 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

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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.

5

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!

3


Health
A+

Data as of Q3 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #62745
Year Chartered1932
Employees1120
Primary Regulator
Profit Margin
Return on Assets - YTD1.48%
Return on Equity - YTD11.58%
Annual Interest Income$332.4MM
Assets and Liabilities
AssetsQ3 2024vs Q3 2023$9.68B$8.79B
LoansQ3 2024vs Q3 2023$5.69B$5.08B
DepositsQ3 2024vs Q3 2023$8.27B$7.52B
Equity CapitalQ3 2024vs Q3 2023$1.22B$1.03B
Loan Loss AllowanceQ3 2024vs Q3 2023$40.3MM$30.6MM
Unbacked Noncurrent LoansQ3 2024vs Q3 2023$31.2MM$21.4MM
Real Estate OwnedQ3 2024vs Q3 2023$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%*$5$500OnPoint Savers Account
OTHER TIERS: 0.10% → $500+
4.50%*$0$100kOnPoint Premium Savings
OTHER TIERS: 3.00% → $100k+
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/ OnPoint Rewards
2.75%$1k-60 Month CD w/ OnPoint Rewards
2.70%$1k-Business 48 Month CD w/ OnPoint Rewards
2.70%$1k-48 Month CD w/ OnPoint Rewards
2.65%$1k-Business 36 Month CD w/ OnPoint Rewards
2.65%$1k-36 Month CD w/ OnPoint Rewards
2.61%$1k-Business 24 Month CD w/ OnPoint Rewards
2.61%$1k-24 Month CD w/ OnPoint Rewards
2.61%$100-24 Month Youth CD w/ OnPoint Rewards
2.56%$1k-Business 18 Month CD w/ OnPoint Rewards
2.56%$1k-18 Month CD w/ OnPoint Rewards
2.56%$100-18 Month Youth CD w/ OnPoint Rewards
2.51%$1k-Business 12 Month CD w/ OnPoint Rewards
2.51%$1k-12 Month CD w/ OnPoint Rewards
2.51%$100-12 Month Youth CD w/ OnPoint 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/ OnPoint Rewards
2.01%$100-6 Month Youth CD w/ OnPoint Rewards
2.01%$1k-Business 6 Month CD w/ OnPoint Rewards
1.75%$1k-6 Month CD
1.75%$100-6 Month Youth CD
1.75%$1k-Business 3 Month CD w/ OnPoint Rewards
1.75%$1k-3 Month CD w/ OnPoint Rewards
1.75%$100-3 Month Youth CD w/ OnPoint 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/ OnPoint Rewards
2.75%$1k-48 Month IRA w/ OnPoint Rewards
2.70%$1k-36 Month IRA w/ OnPoint Rewards
2.66%$1k-24 Month Booster Rate IRA w/ OnPoint Rewards
2.61%$1k-18 Month Booster Rate IRA w/ OnPoint Rewards
2.56%$1k-12 Month Booster Rate IRA w/ OnPoint 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/ OnPoint Rewards
1.80%$1k-6 Month IRA
1.80%$1k-3 Month IRA w/ OnPoint Rewards
1.55%$1k-3 Month IRA
Locations

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