OnPoint Community Credit Union


Overview / Commentary
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 25th largest credit union in the nation. It was established in 1932 and as of June of 2020, it had grown to 768 employees and 403,316 members at 35 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

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: |

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.

Great service, but slowly becoming a bank

Posted by: |

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.

A+ for all of your needs!

I was first introduced to Onpoint Credit Union through a car loan and was so pleased with the way they handled my auto loan account that I switched all of my accounts from a nationally recognized bank that I had been a member of for 20 years to Onpoint. I currently have a checking and a savings account through Onpoint and I am very happy with the customer service that they provide. The impersonal customer service that I had at my previous bank was not to my liking and Onpoint has proven to be more about the customer than about the money. Whenever I contact them via phone, my questions and/or concerns are taken care of quickly by someone pleasant and knowledgeable and it makes banking with them a breeze. My checking and savings account don't come with monthly fees or additional fees for transfers or going over a certain number of withdrawals in a specific time frame. The best part was when I overdrew my account accidentally. At my previous bank, an overdraft charge of $35 would be applied to my account for an accidental overdraft and, if my account couldn't cover the fee, I would be charged additional $35 fees to cover more overdrafts caused by the first. Onpoint never charged me an overdraft fee for my mistake and I was grateful! Never in my life would I have expected that! I highly recommend Onpoint to my friends and family whether it be for loans, checking or savings accounts, etc. I will never go back to a large, nationally recognized bank ever again!

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Health
A+

Health Grade Components

Overall
NCUA #62745
Year Chartered1932
Employees768
Primary Regulator
Profit Margin
Return on Assets - YTD1.38%
Return on Equity - YTD10.87%
Annual Interest Income$98.9MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$7.34B$5.82B
LoansQ2 2020vs Q2 2019$3.81B$3.59B
DepositsQ2 2020vs Q2 2019$5.85B$4.63B
Equity CapitalQ2 2020vs Q2 2019$878.7MM$711.4MM
Loan Loss AllowanceQ2 2020vs Q2 2019$22.7MM$11.5MM
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$5.7MM$6.1MM
Real Estate OwnedQ2 2020vs Q2 2019$0$157.00K
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: 0.05% $500+
0.60%*$250k*-Bundle Rewards Savings
OTHER TIERS: 0.40% Up to $50k | 0.45% $50k - $100k | 0.50% $100k - $250k
0.15%*$100k*-Business Savings
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%$5-Regular Savings
0.05%--IRA Savings

OnPoint Community Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$250k*-Money Market IRA
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
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% Up to $10k | 0.10% $10k - $50k | 0.15% $50k - $100k

OnPoint Community Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%--Interest Checking
0.05%--Business Interest Checking

OnPoint Community Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.95%$1k-Business 60 Month CD w/ Bundle Rewards
0.95%$1k-60 Month Annual Withdrawal CD w/ Bundle Rewards
0.90%$1k-Business 48 Month CD w/ Bundle Rewards
0.90%$1k-48 Month CD w/ Bundle Rewards
0.85%$1k-Business 18 Month CD w/ Bundle Rewards
0.85%$1k-Business 24 Month CD w/ Bundle Rewards
0.85%$1k-Business 36 Month CD w/ Bundle Rewards
0.85%$1k-18 Month CD w/ Bundle Rewards
0.85%$1k-24 Month CD w/ Bundle Rewards
0.85%$1k-36 Month CD w/ Bundle Rewards
0.85%$100-18 Month Youth CD w/ Bundle Rewards
0.85%$100-24 Month Youth CD w/ Bundle Rewards
0.75%$1k-Business 3 Month CD w/ Bundle Rewards
0.75%$1k-Business 12 Month CD w/ Bundle Rewards
0.75%$1k-3 Month CD w/ Bundle Rewards
0.75%$1k-6 Month CD w/ Bundle Rewards
0.75%$1k-12 Month CD w/ Bundle Rewards
0.75%$100-3 Month Youth CD w/ Bundle Rewards
0.75%$100-6 Month Youth CD w/ Bundle Rewards
0.75%$100-12 Month Youth CD w/ Bundle Rewards
0.70%$1k-60 Month Annual Withdrawal CD
0.70%$1k-Business 60 Month CD
0.65%$1k-48 Month CD
0.65%$1k-Business 48 Month CD
0.60%$1k-18 Month CD
0.60%$1k-24 Month CD
0.60%$1k-36 Month CD
0.60%$100-18 Month Youth CD
0.60%$100-24 Month Youth CD
0.60%$1k-Business 18 Month CD
0.60%$1k-Business 24 Month CD
0.60%$1k-Business 36 Month CD
0.50%$1k-3 Month CD
0.50%$1k-6 Month CD
0.50%$1k-12 Month CD
0.50%$100-3 Month Youth CD
0.50%$100-6 Month Youth CD
0.50%$100-12 Month Youth CD
0.50%$1k-Business 3 Month CD
0.50%$1k-Business 12 Month CD

OnPoint Community Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.95%$1k-60 Month IRA w/ Bundle Rewards
0.90%$1k-48 Month IRA w/ Bundle Rewards
0.85%$1k-18 Month Booster Rate IRA w/ Bundle Rewards
0.85%$1k-36 Month IRA w/ Bundle Rewards
0.85%$1k-24 Month Booster Rate IRA w/ Bundle Rewards
0.75%$1k-3 Month IRA w/ Bundle Rewards
0.75%$1k-6 Month IRA w/ Bundle Rewards
0.75%$1k-12 Month Booster Rate IRA w/ Bundle Rewards
0.70%$1k-60 Month IRA
0.65%$1k-48 Month IRA
0.60%$1k-18 Month Booster Rate IRA
0.60%$1k-36 Month IRA
0.60%$1k-24 Month Booster Rate IRA
0.50%$1k-3 Month IRA
0.50%$1k-6 Month IRA
0.50%$1k-12 Month Booster Rate IRA
Locations

Availability



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