Joining OnPoint is easier than ever!

OnPoint makes it easy to become a member of a locally-owned credit union. With the strength of 188,000 members behind us and 75 years of banking know-how, OnPoint has grown into a financial institution that remains a safe place for your money.

Join now through December 31, 2008 and we'll waive your membership fee.* Click here for more details or to join now!

Make this summer sizzle with great rates and weekly prize drawings!

We're giving back to our members all summer long with great rates - plus weekly prize drawings for cool summer gear! Get great rates on home loans, home equity loans and auto loans. Whether you're buying or refinancing, we can help!

Home Loans - As one of the largest community-owned home lenders in the Northwest, you get local service and local decisions. Whether it's a first-time home loan, jumbo loan, or anything in between, we do everything we can to say, "Yes!" Rates are as low as 5.25% APR* so apply in minutes at any branch, or call 800.527.3932, ext. 5220 to speak to a Home Loan Consultant today.

Home Equity Loans - Summer is here and with it comes summer projects. Whatever your home renovation, an OnPoint Home Equity Loan is an affordable way to make it happen. Plus, funds are available in as little as five business days!** Click here for current rates and more information.

Auto Loans - Are you thinking of refinancing your auto loan? At OnPoint, we offer great value on auto loans! Take advantage of OnPoint's low interest rates and flexible terms to lower your monthly auto payment. With our low rates, you'll lower your car payment and save big month after month. Click here for current rates and more information.

And, don't miss out on your chance to win big all summer long! We'll be giving away summer gear including barbecues, kayaks, mountain bikes, patio furniture, camping supplies and more. Each week we will draw a new winner, so be sure to stop by an OnPoint branch to enter! If you are already an OnPoint member be sure to ask your friends and family to join the fun. Invite your friends to join OnPoint and you could both receive $25, click here to learn more.

For more information concerning OnPoint's Sizzlin' Summer Gear Giveaway, click here

*Stated interest rate assumes 4/1 adjustable rate loan. Interest rates are subject to change without notice and may be different based on credit quality, loan amount and property type. All loans are subject to credit and property underwriting approval. Contact an OnPoint Home Loan Consultant for details.
**Funds available in one week assumes property meets collateral underwriting criteria.

Now Available - Identity Theft Protection

A valuable and convenient program available for our members!

Membership in Identity Theft Protection provides convenience, savings and protection to you and your family with access to the following benefits:

• Identity Theft Insurance with Fraud Assistance
• Credit Alert®
• Payment Card Protection
• Membership Agreement

For more information about Identity Theft Protection or to sign up, click here!

New Wilsonville branch now open!

OnPoint's new full service Wilsonville branch is now open. The branch is located at 9460 SW Wilsonville Road, Suite 101, Wilsonville, Oregon 97070. For a map or directions, click here.

We're adding 12,000 free ATMs!

OnPoint Visa® Check Card and ATM card holders now have access to over 12,000 more surcharge free ATMs! OnPoint is now part of the MoneyPass network. As a partner with MoneyPass, OnPoint members have surcharge free access to thousands of MoneyPass ATMs located across the country, in addition to OnPoint ATMs and the CO-OP surcharge-free ATM network!

To find an ATM on the MoneyPass network, please click here.

If you are not automatically redirected, please copy and paste the following address into your browsers address bar:
http://www.moneypass.com/moneypasslocator/search.jsp

Get a great rate on a Home Equity Loan!

• Get a loan decision in minutes; funds available in as little as five business days^†
• Terms up to 20 years^¥

*Promotional rates assume a new 80% LTV Home Equity Loan or 80% Convertible Home Equity Loan with an automatic payment from a new or existing OnPoint checking account and a minimum loan amount of $15,000. If you choose to convert an existing OnPoint Equity Loan to this new offer, a minimum loan increase amount of $15,000 will apply. You must meet OnPoint's credit and underwriting requirements. Not available on EquityFlex conversion options or on Non-Owner Occupied Equity products. Promotional rate excludes rate modification/reductions. Certain restrictions apply. Effective 4/1/08 and subject to change.
**Promotional rates assume a new 80% LTV Home Equity Loan or 80% Convertible Home Equity Loan with an automatic payment from a new or existing OnPoint checking account and a minimum loan amount of $10,000. If you choose to convert an existing OnPoint Equity Loan to this new offer, a minimum loan increase amount of $10,000 will apply. You must meet OnPoint's credit and underwriting requirements. Not available on EquityFlex conversion options or on Non-Owner Occupied Equity products. Promotional rate excludes rate modification/reductions. Certain restrictions apply. Effective 7/1/08 and subject to change.
†Funds availability assumes property meets collateral underwriting criteria. ¥Available on 80% LTV products only.

Business Interest Checking - Earn 3.00%* APY!

OnPoint's Business Interest Checking account currently features one of the best interest rates around! Plus, it's available to all business ownership types - that's the OnPoint Advantage!

• First 200 items processed free**
• Competitive interest rates
• Free Visa Check Card for Business
• Free Online Banking
• Free Bill Payment

To open your account stop by any OnPoint branch, or call us at 503.228.7077 or toll-free at 800.527.3932.

*The stated APY is a fixed, promotional rate effective from March 1, 2008 through December 31, 2008. At the end of the promotional period, the APY will revert to a variable rate based on standard terms offered on OnPoint Business Interest Checking accounts. The promotional rate is available only to qualified business members of OnPoint and not other financial institutions. OnPoint reserves the right to limit any deposits or accounts of any member. See OnPoint for Business Interest Checking terms and conditions. ** Includes checks deposited and checks paid.

New Expanded Member Services Hours!

To provide additional convenience and enhanced service to our members, OnPoint Member Service Representatives are now available to take your call from 7:00 a.m. - 8:00 p.m., Monday through Friday and 9:00 a.m. to 3:00 p.m. on Saturday, at 503.228.7077 or 800.527.3932.