OnPoint Community Credit Union
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | ACCOUNT NAME |
|---|---|---|
| 1.25% | 5-year CD | 60 Month Annual Withdrawal CD 1.85% - Synchrony Bank 60 Month CD |
| 0.20% | 1-year CD | 12 Month CD 1.05% - Ally Bank High Yield 12-Month CD |
| 0.05% | Savings | Regular Savings Account 1.00% - Ally Bank Online Savings Account |
OnPoint Community Credit Union is headquartered in Portland and is the largest credit union in the state of Oregon. It is also the 37th largest credit union in the nation. It was established in 1932 and as of June of 2016, it had grown to 558 employees and 304,810 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
OnPoint Credit Union - good, consistent, affordable, dependable, efficient and friendly
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
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)
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!!!
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
| Overall | |
|---|---|
| NCUA # | 62745 |
| Year Chartered | 1932 |
| Employees | 558 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.17% |
| Return on Equity - YTD | 10.2% |
| Annual Interest Income | $55.7MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2016vs Q2 2015 | $4.18B$3.75B |
| Loans | Q2 2016vs Q2 2015 | $2.65B$2.27B |
| Deposits | Q2 2016vs Q2 2015 | $3.62B$3.27B |
| Equity Capital | Q2 2016vs Q2 2015 | $470.5MM$417.7MM |
| Loan Loss Allowance | Q2 2016vs Q2 2015 | $10.3MM$10.1MM |
| Unbacked Noncurrent Loans | Q2 2016vs Q2 2015 | $5.8MM$9.1MM |
| Real Estate Owned | Q2 2016vs Q2 2015 | $87.00K$364.00K |
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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.05% | - | - | Interest Checking Account | |
| 0.05% | - | - | Business Interest Checking Account |
OnPoint Community Credit Union CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 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.