Featured Savings Rates
Featured Accounts

OnPoint Community Credit Union

Popular Accounts at this Credit Union

1.25%5-year CD60 Month Annual Withdrawal CD
0.20%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 34th largest credit union in the nation. It was established in 1932 and as of September of 2016, it had grown to 561 employees and 310,697 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

Related Posts

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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.

So Happy I Switched This Spring (But Seriously Get Some Safety Deposit Boxes People)

Posted by: anonymousa | Nov 8, 2011

easier to open checking accounts, easy to get credit cards, great customer service and rewarding feel

but if they want to compete with other banks they need basic services like safe deposit boxes! Their new downtown Bend branch had them (as a wamu branch) until Onpoint actually moved in- WTF !?!

Don't Bank At Onpoint!!!

Posted by: BlueNO69 | Jan 8, 2016

Clackamas/Happy Valley is not professional nor kind.
We are very dissatisfied with the service here. Branch manager insulted my job and discriminated against my Husband's account due to this - even admitted it over the phone. If you are looking for a respectful and professional place to do your business do not bank here!



Health Grade Components

NCUA #62745
Year Chartered1932
Primary Regulator
Profit Margin
Return on Assets - YTD1.16%
Return on Equity - YTD10.35%
Annual Interest Income$85.2MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$4.44B$3.84B
LoansQ3 2016vs Q3 2015$2.78B$2.36B
DepositsQ3 2016vs Q3 2015$3.82B$3.33B
Equity CapitalQ3 2016vs Q3 2015$481.5MM$432.6MM
Loan Loss AllowanceQ3 2016vs Q3 2015$10.3MM$10.0MM
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$5.7MM$6.7MM
Real Estate OwnedQ3 2016vs Q3 2015$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

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

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*-FlexSmartSM 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

1.25%$5k-60 Month Annual Withdrawal CD
1.25%$1k-Business 60 Month CD
1.00%$1k-48 Month CD
1.00%$1k-48 Month Business CD
0.75%$1k-36 Month CD
0.75%$1k-36 Month Business CD
0.50%$1k-24 Month CD
0.50%$100-24 Month Youth CD
0.50%$1k-24 Month Business CD
0.30%$1k-18 Month CD
0.30%$100-18 Month Youth CD
0.30%$1k-18 Month Business CD
0.20%$1k-12 Month CD
0.20%$100-12 Month Youth CD
0.20%$1k-12 Month Business CD
0.15%$1k-6 Month CD
0.15%$100-6 Month Youth CD
0.15%$1k-6 Month Business CD
0.10%$1k-3 Month CD
0.10%$100-3 Month Youth CD
0.10%$1k-3 Month Business CD

OnPoint Community Credit Union IRA Rates

1.25%$1k-60 Month IRA
1.00%$1k-48 Month IRA
0.75%$1k-36 Month IRA
0.50%$1k-24 Month Booster Rate IRA
0.30%$1k-18 Month Booster Rate IRA
0.20%$1k-12 Month Booster Rate IRA
0.15%$1k-6 Month IRA
0.10%$1k-3 Month IRA

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