Welcome to OnPoint Credit Union
A better way to tackle debt.
Save more with OnPoint’s $0 Balance Transfer fees and 1.99% APR.*
Now open in Ridgefield.
Our new Ridgefield Branch is officially open at 420 N. 56th Place, Ste. 102 in the Union Ridge Town Center. We’re excited to be part of this growing community, bringing OnPoint’s people-first service, local support, and commitment to making a positive impact to the heart of Ridgefield. Whether you’re stopping by with a question, planning for the future, or simply saying hello, our team is here for you.
Take advantage of exclusive offers now through February 21 to celebrate our grand opening.
Visit the Ridgefield branch
OnPoint is committed to excellent member experiences.
Money doesn’t care about people, but we do. When it comes to your finances, we’re in it together. With OnPoint, you can check your balance, deposit checks, and pay bills from anywhere. We also offer great rates, low fees and financial education resources just for you. Yet, we’re more than a place to bank.
Credit unions do well when members do well. This means if you need more from your banking experience, we’re there to provide options, remove barriers and be your guide every step of the way. It also means we support community, because we know we’re all stronger when every one of us is stronger. Most of all, it’s about people. People like you.
Learn more about becoming a member
Member assistance.
- Información en español
- Routing number 323075880
- After hours fraud support
- Report a lost or stolen card
- Call member services
- Freeze credit card
- Set travel notice
- Schedule an appointment
Disclosures
* APR = Annual Percentage Rate
Offers and updates.
Transfer your high-interest debt and save.
The start of a new year is a natural time to take control of your finances. If you transfer high-interest debt from other financial institutions to an OnPoint Community Credit Union Visa® credit card between January 1 and February 28, 2026, you can save big with our Winter Balance Transfer promotion
*Promotional offer valid 01/01/26 – 2/28/26 and subject to change. All OnPoint credit cards are subject to credit approval. *The 1.99% promotional Annual Percentage Rate (APR) applies to balance transfers for the first 12 months of the transfer. Then, the balance transfer APR will increase to the APR for cash advances: [13.75% – 24.25%] (Platinum Visa), [14.75% – 25.25%] (Platinum Visa with Rewards), or [15.75% – 26.25%] (Signature Visa with Rewards and Signature Visa with Cash Back Rewards) based upon credit qualifications. All rates current as of 12/31/25 are variable and subject to change. Balance transfer must be completed by 2/28/26. Offer open to new and existing OnPoint credit card accounts. The promotional balance transfer offer excludes paying existing OnPoint lines/loans. Promotional APR may end as indicated in the OnPoint Visa Credit Card Agreement or OnPoint Visa Signature Credit Card Agreement. All terms including APRs and fees may change as permitted by law and the OnPoint Visa Credit Card Agreement or OnPoint Visa Signature Credit Card Agreement.
Together, we'll help them save.
When you open your child’s membership with the OnPoint Savers® Account and deposit at least $25, OnPoint will deposit an additional $55!* Plus, earn a high interest rate on the first $500.
Learn more about the OnPoint Savers® account*APY=Annual Percentage Yield. Rates subject to change. Stated APY is for balances up to $500; balances over $500 earn posted Member Savings Account rate. Account must be established for members age 17 or younger by parent or guardian with a minimum $25 deposit. Parent or legal guardian must be on the membership and present to open the OnPoint Savers® Account. When primary member attains the age of 18, accounts will be converted to Member Savings Account, earning that account’s published rate at that time. Fiduciary memberships, including UTTMA and Minor Settlement Accounts are not eligible for OnPoint Savers®. Limit one OnPoint Savers account per person, may not be older than 17 years old. A parent or guardian is required. $25.00 minimum opening deposit. Terms and conditions apply. Membership is required and subject to approval. One $55 OnPoint deposit per tax ID for new OnPoint Saver members only. Deposit will be included on a 1099-INT for tax purposes. Cannot be combined with other offers for opening a new membership, such as new branch promotions or Refer a Friend. The full account balance APY is calculated by combining the 5.00% APY earnings on the first $500 with the standard APY on the remaining balance above $500. **By submitting this form, you agree to OnPoint’s collection and use of the information you provide in accordance with our privacy notice and online privacy policy available here. You also confirm that any information you submit is your own and that you are at least 18 years of age. Loans that are NOT eligible for Skip Pay offer include: Interest only home equity lines of credit, home equity lines of credit, home equity fixed portions, first mortgages, certificate of deposit-secured loans or lines, motorcycle, boat and RV loans, mobile home loans, Payday Advantage loans, credit cards, all business loan products, special assistance loans, 2020 assistance loans, government assistant loans, all term loans with monthly payments less than $40 and LOCs and PLOCs less than $2,000 with monthly payment less than $40. Please note that exceeding this amount may reduce GAP insurance claim payments. GAP insurance provided by other carriers are eligible for Skip Pay, but members should refer to their GAP policy agreement for details.
Earn up to 3.50% APY with OnPoint Premium Savings
Earn 3.50% Annual Percentage Yield on your first $100,000, then 2.00% APY* on your remaining balance.
Learn more and start saving today*Annual percentage yieldOnPoint Premium Savings is a sweep account, which means that we may sweep balances up to the Maximum Program Deposit Amount ($250,000.00) to NCUA or FDIC insured deposit accounts held at participating Receiving Financial Institutions. The Maximum Program Deposit Amount and Receiving Financial Institutions may be changed at any time. One OnPoint Premium Savings Account per member/TIN.
Making an impact with your OnPoint membership.
We love being a part of our community, and that’s why we’re always taking action to improve people’s lives for today and tomorrow. We strive to create real connections with the people and organizations within our community so they know who we are, what we do, and how much we care. Let’s work together to create the future we all know is possible.
Community giving
We’ve been around for 90 years. We came together – and we stay together – to help one another. That’s what community is all about.
Green Horizons
If we all work together, we can maintain the Pacific Northwest’s beauty while pursuing a more sustainable future.
Financial education
Find the support you need to achieve financial wellness. Reach your goals faster with OnPoint’s interactive and self-guided resources.
Supporting teachers
We are proud to honor our roots as a teachers’ credit union by supporting educators and students in and out of the classroom.
