Business rates & fees

Business Checking
Business Checking

Deposit amount

Annual percentage yield

Rates Effective: 03-18-2024

Business checking

Deposit amount

N/A

Annual percentage yield

N/A

Business interest checking

Deposit amount

$0 - $999.99

Annual percentage yield

0.05%

Deposit amount

$1,000 - $4,999.99

Annual percentage yield

0.05%

Deposit amount

$5,000+

Annual percentage yield

0.05%

Business Savings
Business Savings

Deposit amount

Annual percentage yield (APY)1

Rates Effective: 03-18-2024

Learn more about business savings

1 Annual percentage yield subject to change.

Deposit amount

$0 - $2,499.99

Annual percentage yield (APY)1

0.10%

Deposit amount

$2,500 - $9,999.99

Annual percentage yield (APY)1

0.10%

Deposit amount

$10,000 - $24,999.99

Annual percentage yield (APY)1

0.10%

Deposit amount

$25,000 - $49,999.99

Annual percentage yield (APY)1

0.10%

Deposit amount

$50,000 - $99,999.99

Annual percentage yield (APY)1

0.10%

Deposit amount

$100,000+

Annual percentage yield (APY)1

0.10%

Business Bundle Rewards Savings
Business Bundle Rewards Savings

Deposit amount

Interest rate

Annual percentage yield (APY)1

Minimum balance

Rates Effective: 03-18-2024

Learn more about business bundle rewards

Additional products and services are required to qualify for the business bundle rewards savings. Please see an OnPoint representative for more information or click here.

1 Annual percentage yield subject to change.

Deposit amount

$0 - $49,999.99

Interest rate

0.35%

Annual percentage yield (APY)1

0.35%

Minimum balance

$0

Deposit amount

$50,000 - $99,999.99

Interest rate

0.35%

Annual percentage yield (APY)1

0.35%

Minimum balance

$0

Deposit amount

$100,000 - $249,999.99

Interest rate

0.35%

Annual percentage yield (APY)1

0.35%

Minimum balance

$0

Deposit amount

$250,000 and higher

Interest rate

0.35%

Annual percentage yield (APY)1

0.35%

Minimum balance

$0

Business Money Market
Business Money Market

Deposit amount

Annual percentage yield (APY)1

Rates Effective: 03-18-2024

Learn more about business money market

1 Annual percentage yield subject to change.

Deposit amount

$0 - $4,999.99

Annual percentage yield (APY)1

0.15%

Deposit amount

$5,000 - $9,999.99

Annual percentage yield (APY)1

0.15%

Deposit amount

$10,000 - $24,999.99

Annual percentage yield (APY)1

0.15%

Deposit amount

$25,000 - $49,999.99

Annual percentage yield (APY)1

0.15%

Deposit amount

$50,000 - $99,999.99

Annual percentage yield (APY)1

0.15%

Deposit amount

$100,000 - $249,999

Annual percentage yield (APY)1

0.15%

Deposit amount

$250,000+

Annual percentage yield (APY)1

0.15%

Business Certificates of Deposit
Business Certificates of Deposit

CD term

Amount

Interest rate

Annual percentage yield1

Interest rate with bundle rewards2

APY with bundle rewards2

Rates Effective: 03-18-2024

Learn more about business certificates of deposit

1 Annual percentage yield subject to change.

2 Additional products and services are required to qualify for the bundle rewards rate. Please see an OnPoint representative for more information or click here.

3 Subsequent deposits of $100 minimum each are allowed on certificates of deposit with terms of 3, 6, 12, 18, or 24 months. All deposits exclude promotional offerings unless otherwise stated.

4 Booster rate certificate of deposit. You may elect to adjust your rate, based on the rate currently offered for this account, once during the original term of the certificate of deposit. Booster rate feature excludes promotional rate offers.

CD term

3 months3

Amount

$1,000

Interest rate

1.49%

Annual percentage yield1

1.50%

Interest rate with bundle rewards2

1.74%

APY with bundle rewards2

1.75%

CD term

6 months3

Amount

$1,000

Interest rate

1.74%

Annual percentage yield1

1.75%

Interest rate with bundle rewards2

1.99%

APY with bundle rewards2

2.00%

CD term

12 months3

Amount

$1,000

Interest rate

2.23%

Annual percentage yield1

2.25%

Interest rate with bundle rewards2

2.47%

APY with bundle rewards2

2.50%

CD term

18 months3

Amount

$1,000

Interest rate

2.28%

Annual percentage yield1

2.30%

Interest rate with bundle rewards2

2.52%

APY with bundle rewards2

2.55%

CD term

24 months3

Amount

$1,000

Interest rate

2.33%

Annual percentage yield1

2.35%

Interest rate with bundle rewards2

2.57%

APY with bundle rewards2

2.60%

CD term

36 months

Amount

$1,000

Interest rate

2.37%

Annual percentage yield1

2.40%

Interest rate with bundle rewards2

2.62%

APY with bundle rewards2

2.65%

CD term

48 months

Amount

$1,000

Interest rate

2.42%

Annual percentage yield1

2.45%

Interest rate with bundle rewards2

2.67%

APY with bundle rewards2

2.70%

CD term

60 months

Amount

$1,000+

Interest rate

2.47%

Annual percentage yield1

2.50%

Interest rate with bundle rewards2

2.72%

APY with bundle rewards2

2.75%

Business Platinum Visa® with Rewards
Business Platinum Visa® with Rewards

Interest Rates and Charges

Annual Percentage Rate (APR)1

Rates Effective: 03-18-2024

See important information about rates and fees Learn more about business platinum Visa® with rewards

1 APR will vary with the market based on the prime rate.

Grace period for repayment of purchase balance: 25 days

How We Will Calculate Your Balance:  We use a method called “average daily balance” (including new purchases). See your account agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

Interest Rates and Charges

Purchases

Annual Percentage Rate (APR)1

14.25% - 24.75% depending on your creditworthiness.

Interest Rates and Charges

Balance transfers

Annual Percentage Rate (APR)1

16.25% - 26.75% depending on your creditworthiness.

Interest Rates and Charges

Cash advances

Annual Percentage Rate (APR)1

16.25% - 26.75% depending on your creditworthiness.

Business Auto Loans
Business Auto Loans

Available terms

Annual percentage rate (APR), fixed1

Estimated minimum monthly payment

Rates Effective: 03-18-2024

Learn more about business auto loans

All loan and line of credit rates are determined by credit union management and are subject to change at any time. All services offered by the credit union shall be subject to applicable laws of the State of Oregon, federal laws and regulations, credit union bylaws, and all regulations, rules and practices now or hereafter adopted by the credit union. All loans and lines of credit subject to credit approval. Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published.

New and used auto loan rates available on passenger-type vehicles only. For new/used auto model years 2014 and newer, maximum LTV may vary depending on credit history and factors specific to your loan. LTV is calculated using Kelley Blue Book retail value, MSRP, or purchase price, whichever is lowest.

Vehicles meeting OnPoint’s green auto discount standards receive a 0.25% discount off stated APR. Discount does not apply to existing OnPoint auto loans or promotional rates.

*APR=Annual percentage rate

  1. Bundle rewards: Receive 0.25% off consumer fixed APR (annual percentage rate) loans. Additional products and services are required to qualify for bundle rewards. Please see an OnPoint representative for more information or click here.
  2. 72-month term for model years 2014-2017 requires minimum $12,000 loan amount. 84-month term requires minimum $15,000 loan amount. 96-month term requires minimum $25,000 loan amount.
  3. Examples of business specialty vehicles include delivery trucks, dump trucks, and motor coach buses. For auto model years 2012 and older, and business specialty vehicle loans, maximum LTV is 80% unless otherwise noted. LTV is calculated using Kelley Blue Book retail value, NADA high value, MSRP, or purchase price, whichever is lowest.

Alternative terms and additional conditions may apply when aggregate debt exceeds $50,000.

New auto
(2021 and newer)

Available terms

36-60 months

Annual percentage rate (APR), fixed1

6.49% - 9.94%

Estimated minimum monthly payment

$295.89 based on a 60 month, $15,000 loan at 6.84% APR*

New auto
(2021 and newer)

Available terms

72 months

Annual percentage rate (APR), fixed1

6.74% - 10.39%

Estimated minimum monthly payment

$256.38 based on a 72 month, $15,000 loan at 7.09% APR*

New auto
(2021 and newer)

Available terms

84 months2

Annual percentage rate (APR), fixed1

6.99% - 10.64%

Estimated minimum monthly payment

$230.37 based on an 84 month, $15,000 loan at 7.54% APR*

New auto
(2021 and newer)

Available terms

96 months2

Annual percentage rate (APR), fixed1

7.74% - 12.24%

Estimated minimum monthly payment

$362.89 based on a 96 month, $25,000 loan at 8.74% APR*

Used auto
(2014-2020)

Available terms

36-60 months

Annual percentage rate (APR), fixed1

6.64% - 10.34%

Estimated minimum monthly payment

$298.01 based on a 60 month, $15,000 loan at 7.14 APR*

Used auto
(2014-2020)

Available terms

72 months2

Annual percentage rate (APR), fixed1

6.89% - 10.69%

Estimated minimum monthly payment

$258.55 based on a 72 month, $15,000 loan at 7.39% APR*

Used auto
(2018-2020)

Available terms

84 months2

Annual percentage rate (APR), fixed1

7.34% - 11.99%

Estimated minimum monthly payment

$234.09 based on an 84 month, $15,000 loan at 8.04% APR*

Business specialty vehicle3

Available terms

Up to 60 months

Annual percentage rate (APR), fixed1

11.49% - 13.49%

Estimated minimum monthly payment

$109.94 based on a 60 month, $5,000 loan at 11.49% APR*

Small Business Lines of Credit and Term Loans
Small Business Lines of Credit and Term Loans

Available terms

Annual percentage rate (APR)

Estimated minimum monthly payment

Rates Effective: 03-18-2024

Learn more about small business lines of credit and term loans

*APR=Annual percentage rate

All loan and line of credit rates are determined by credit union management and are subject to change at any time. All services offered by the credit union shall be subject to applicable laws of the State of Oregon, federal laws and regulations, credit union bylaws, and all regulations, rules and practices now or hereafter adopted by the credit union. All loans and lines of credit subject to credit approval. Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published.

  1. Maximum loan amount is $50,000. All loans and lines of credit subject to credit approval. Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published.
  2. Small business line of credit minimum $10,000 limit, not to exceed $50,000. All loans and lines of credit subject to credit approval. Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published.

Small business term loan

Available terms

Up to 60 Months

Annual percentage rate (APR)

11.00% - 16.00% fixed rate1

Estimated minimum monthly payment

$470.57 based on a 5-year, $20,000 loan at 14.50% APR*

Small business line of credit

Available terms

N/A

Annual percentage rate (APR)

12.50% - 14.50% variable rate2

Estimated minimum monthly payment

2% of outstanding balance or $25, whichever is greater

Commercial Operating Lines of Credit, Term Loans and Real Estate
Commercial Operating Lines of Credit, Term Loans and Real Estate

Rates Effective: 03-18-2024

Learn more about commercial operating lines of credit, term loans and real estate

Business lines of credit

Get customized operating lines of credit designed just for your business. Please visit a branch to learn more.

Business term loans

Our term loans are a great option for working capital needs and equipment acquisitions. Please visit a branch to learn more.

Commercial real estate loans

We offer competitive rates and terms for the purchase or refinance of commercial real estate. Please visit a branch to learn more.

Business Fees
Business Fees

Rates Effective: 03-18-2024

For more information please refer to the Business Membership & Account Agreement.

Account research

$25.00 per hour

ACH Transfers (within Business Online Banking)

$10.00 per month

ATM Withdrawal (No charge for OnPoint, MoneyPass, or CO-OP ATMs)

$2.00 per transaction

Same Day Bill Payment

$12.95 per item

Overnight Check Bill Payment

$12.95 per item

Business Account Paper Statement Fee

$2.00 per statement cycle

Card Replacement (charged only when the number of replacement requests are
excessive)

$5.00 per card

Postage Handling for Card/PIN Rush Delivery

Domestic

$35.00 per item sent

International

$65.00 per item sent

Cash Order (Coin & Currency)

$5.00

Check Printing

Prices vary based on style

Check Processing Fee

Business Checking

$0.10 (first 200 per month free)

Business Interest Checking

$0.10 (first 200 per month free)

Analyzed Checking

$0.15

Check Sent for Collections

Domestic

$20.00 per check

International ($250.00 US dollar equivalent minimum)

$75.00 per check

Foreign Fund Check

No charge

Foreign Check in US Currency (all countries, including Canada)

$5.00 per item

Foreign Returned Item

$30.00 per item

Garnishment/Levy Fee

$50.00 per garnishment/levy

Legal Process Fee

$75.00 each

Lobby Coin Deposit Fees

Non-member – any amount

15%

Monthly Service Fee

Interest Checking (if below $500 average monthly balance)

$7.00 per month

Analyzed Checking

$10.00 per month

Overdraft Fee (item paid)

OnPoint will not charge an overdraft fee if your account is overdrawn $10 or less. The maximum overdraft fees that can be charged in one day is $60.

$20.00

Payment by Phone (Debit Card or ACH)

$15.00 per request

Photo Copies

Transaction Slip (Visa Card)

$12.00 per item

Remote Deposit Capture

$30.00 per month

Returned Deposit Item

$15.00 per check or ACH

Small Business Line of Credit Annual Fee

$50.00

Special Item Handling

Prices vary based on request

Stop Payment (including payments made through Bill Payment)

$25.00 per item

Verification of Deposit/Loan

$25.00 per request

Visa Foreign Transaction

Up to 1% of transaction amount

Wire Transfers

Incoming (all)

$8.00 per wire

Domestic (outgoing)

$20.00 per wire

Foreign (outgoing - foreign currency)

$40.00 per wire

Foreign (outgoing - US dollars)

$40.00 per wire

Zipper Bag (first item free)

$4.00

Wire Transfer Fees
Wire Transfer Fees

per wire

fee

Rates Effective: 03-18-2024

per wire

Incoming (all)

fee

$8.00

per wire

Domestic (outgoing)

fee

$20.00

per wire

Foreign (outgoing)

fee

$40.00

Business Credit Card Fees
Business Credit Card Fees

Card

Type

Fees

Rates Effective: 03-18-2024

Card

Business platinum Visa® with rewards

Type

Annual fees

Fees

$25 (for each card number issued)

Card

Type

Late payment fee

Fees

Up to $30

Card

Type

Over-the-credit-limit fee

Fees

$25

Card

Type

Foreign transaction fee

Fees

Up to 1% of the U.S. dollar amount of the foreign transaction

Card

Type

Minimum payment

Fees

2% of outstanding balance or $10, whichever is greater

Card

Type

Returned payment fee:

Fees

$25

Card

Type

Card replacement fee

Fees

$5

Note: Email should not be used to share important or sensitive information.

The security and privacy of your information is important to us. When communicating with us via email please do not send any information that is considered confidential or sensitive in nature. If you need to communicate any personal information (account numbers, social security number, etc.) please feel free to call the number listed in my profile or contact OnPoint Member Services at 503.228.7077 or 800.527.3932.

 

 

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