Banking built for what’s next
How do you bank with OnPoint?
Opening an OnPoint membership begins a financial partnership with one of the largest credit unions in Oregon and SW Washington. Members have access to full-service banking, including checking accounts, high-yield savings options, home loans, auto loans, credit cards, and Digital Banking tools designed to make managing money easier.
Everyday banking.
Checking accounts with no minimum balance requirements, no monthly fees, direct deposit up to 2 days early1, and more.
Affordability and value.
Enjoy competitive savings rates, 0.25% off consumer fixed APR loans, and reduced closing costs on eligible mortgage and home equity products with OnPoint Rewards.2
Flexible lending to fit you.
Flexible lending options including home loans, auto loans, personal loans, home equity financing, and credit cards backed by local decisions and local service.
Membership benefits that help you do more.
With 59 branches across Oregon and Southwest Washington, 70,000+ surcharge-free ATMs nationwide, and 24/7 Digital Banking access, OnPoint gives you convenient ways to manage your money wherever life takes you.
Everyday banking
Description
Early direct deposit
With Early Direct Deposit, eligible members can access their paycheck up to two days sooner when funds are received from their employer.1
No monthly fee
Keep more of your money with no monthly maintenance fee on eligible checking accounts.
No minimum balance
No minimum monthly balance requirement to maintain your account.
Overdraft protection
Link eligible savings accounts or lines of credit to help cover unexpected expenses with no transfer fee.
ATMs and branches
Access 70,000+ surcharge-free ATMs nationwide and 59 local branches across Oregon and Southwest Washington.
Wire transfers
Send domestic and international wire transfers when you need to move funds.
Everyday banking
Early direct deposit
Early direct deposit
No monthly fee
No monthly fee
No minimum balance
No minimum balance
Overdraft protection
Overdraft protection
ATMs and branches
ATMs and branches
Wire transfers
Wire transfers
Description
Early direct deposit
With Early Direct Deposit, eligible members can access their paycheck up to two days sooner when funds are received from their employer.1
No monthly fee
Keep more of your money with no monthly maintenance fee on eligible checking accounts.
No minimum balance
No minimum monthly balance requirement to maintain your account.
Overdraft protection
Link eligible savings accounts or lines of credit to help cover unexpected expenses with no transfer fee.
ATMs and branches
Access 70,000+ surcharge-free ATMs nationwide and 59 local branches across Oregon and Southwest Washington.
Wire transfers
Send domestic and international wire transfers when you need to move funds.
Digital banking
Description
Mobile check deposit
Deposit checks securely from your mobile device without visiting a branch.
Online bill pay
Schedule, send and manage payments from a single location in Digital Banking.
Zelle®
Send and receive money with Zelle® directly through Digital Banking, making it easy to pay friends, family members, and trusted contacts who have a U.S. bank account.3
Digital wallet access
Add eligible cards to Apple Pay, Google Pay or Samsung Pay for convenient payments.
Instant digital cards
Start using eligible debit and credit cards digitally right after issuance.
Account management
Transfer funds, monitor activity and manage accounts anytime through Digital Banking.
Digital banking
Mobile check deposit
Mobile check deposit
Online bill pay
Online bill pay
Zelle®
Zelle®
Digital wallet access
Digital wallet access
Instant digital cards
Instant digital cards
Account management
Account management
Description
Mobile check deposit
Deposit checks securely from your mobile device without visiting a branch.
Online bill pay
Schedule, send and manage payments from a single location in Digital Banking.
Zelle®
Send and receive money with Zelle® directly through Digital Banking, making it easy to pay friends, family members, and trusted contacts who have a U.S. bank account.3
Digital wallet access
Add eligible cards to Apple Pay, Google Pay or Samsung Pay for convenient payments.
Instant digital cards
Start using eligible debit and credit cards digitally right after issuance.
Account management
Transfer funds, monitor activity and manage accounts anytime through Digital Banking.
Savings and rewards
Description
Premium Savings account
Once qualified for OnPoint Rewards, members can open a Premium Savings account and earn 3.50% APY* on up to $100,000, and 2.00% APY* on balances greater than $100,000, with no monthly fee, and full access to the funds when you need them.
OnPoint Rewards
Additional savings benefits are available through the OnPoint Rewards program.
Savings options for every goal
Choose from a range of savings solutions designed to help you build emergency funds, save for milestones, and plan for the future.
No monthly fee
Grow your savings without monthly maintenance fees.
Full access to funds
Access your money whenever you need it.
Savings and rewards
Premium Savings account
Premium Savings account
OnPoint Rewards
OnPoint Rewards
Savings options for every goal
Savings options for every goal
No monthly fee
No monthly fee
Full access to funds
Full access to funds
Description
Premium Savings account
Once qualified for OnPoint Rewards, members can open a Premium Savings account and earn 3.50% APY* on up to $100,000, and 2.00% APY* on balances greater than $100,000, with no monthly fee, and full access to the funds when you need them.
OnPoint Rewards
Additional savings benefits are available through the OnPoint Rewards program.
Savings options for every goal
Choose from a range of savings solutions designed to help you build emergency funds, save for milestones, and plan for the future.
No monthly fee
Grow your savings without monthly maintenance fees.
Full access to funds
Access your money whenever you need it.
Financial support
Description
GreenPath Financial Wellness
Access free financial wellness resources through GreenPath Financial Wellness, including budgeting assistance, debt management counseling, homeownership guidance, financial education resources, and personalized financial coaching.4
Budgeting and debt guidance
Get support with budgeting, debt management and financial planning.
Homeownership resources
Receive guidance for buying a home and navigating the mortgage process hosted for free by OnPoint.
Personalized support
Our knowledgeable team takes pride in helping members at every stage of their financial journey, providing guidance based on their unique needs and goals.
Financial support
GreenPath Financial Wellness
GreenPath Financial Wellness
Budgeting and debt guidance
Budgeting and debt guidance
Homeownership resources
Homeownership resources
Personalized support
Personalized support
Description
GreenPath Financial Wellness
Access free financial wellness resources through GreenPath Financial Wellness, including budgeting assistance, debt management counseling, homeownership guidance, financial education resources, and personalized financial coaching.4
Budgeting and debt guidance
Get support with budgeting, debt management and financial planning.
Homeownership resources
Receive guidance for buying a home and navigating the mortgage process hosted for free by OnPoint.
Personalized support
Our knowledgeable team takes pride in helping members at every stage of their financial journey, providing guidance based on their unique needs and goals.
Loans to fit your needs.
Whether you’re buying a home, using your home’s equity, consolidating debt, or looking for everyday purchasing power, OnPoint offers lending solutions designed to support your financial goals.
Home loans and mortgage options.
- 0% down payment options for educators, veterans, and first-time homebuyers.
- Local expertise, local decisions, and fast closing.
- Free homebuying seminars to answer your questions.
Home equity loans and lines of credit.
- Access the equity in your home for home remodels and upgrades, repairs, and more.
- Flexible funds with interest-only payment options.
- Convert a variable-rate balance to a fixed-rate loan with no fee.
Rewards credit cards and low-rate card options
- Access to 2% cash back with the OnPoint Signature Visa® with Cash Back Rewards.
- Credit cards with no annual fee, low variable rates, and flexible reward options.
- $0 Balance Transfer fees to consolidate high-interest rate debt.
Youth savings and teen checking accounts.
Help your child build healthy financial habits with youth savings accounts, teen checking options, and age-appropriate financial education resources.
Help your teen take control of their financial future.
You can help them start their savings life on the right foot. Earn 5.00% APY on the first $500 in an OnPoint Savers® account, with a bonus of $55 when you deposit $25 in a new account.5
Learning to save and budget is foundational to your teen’s financial well-being. Whether they’re handling an allowance or managing income from a summer job, a checking account can be a great way to learn to manage their finances. They can also take advantage of online financial education resources to get a boost on managing money.
FAQs
Membership with OnPoint is easy. You're eligible for membership if you live or work in one of the 28 counties we serve in Oregon or if you live, work or worship in Clark, Skamania, Cowlitz, or Lewis Counties in Washington.
We are excited to welcome you to the community.
OnPoint members can add checking and savings accounts to an existing membership in Digital Banking.
Depending on the type of account you choose to open, you also have the option to request additional services such as:
- Visa Debit Cards
- Checks
- Overdraft Protection
- Telephone Teller
- Member to Member Transfers
- Direct Deposit
- And more!
To get started, simply login to Digital Banking. Select Services from the main menu and then click Add Accounts.
- Name and address (and previous home address if you've lived at your current address for less than two years)
- Social security number
- A valid form of identification including: Driver's license, State ID, Military ID or Passport
- Credit or debit card or U.S. checking or savings account to fund your new account(s)
- $5, which will establish your OnPoint membership with a minimum balance of $5.
You can complete the following transactions and more using Digital Banking.
- Review account balance and transaction history for your deposit and loan accounts.
- Review information on your loan account including payoff amounts, due dates, and balance information.
- Send and receive money with friends, family and others you trust^1^ using Zelle^®^ in OnPoint's Digital Banking.
- Transfer funds between your savings, checking and loan accounts
- Transfer funds to accounts of other members using Member to Member transfer.
- Transfer funds between your accounts at OnPoint and your accounts at other financial institutions.
- Export account information to Quicken®and Quickbooks®.
- Use Bill Payment to pay monthly bills from your checking account to make one time payments, or schedule recurring payments, and check on previous payments for up to 24 months.
Do more with OnPoint
Disclosures
*APY=Annual Percentage Yield.
OnPoint 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. Six qualifying transactions per month in an OnPoint checking account are required to qualify for the OnPoint Premium Savings account
For additional important information and disclosures, please review our OnPoint Premium Savings Terms and Conditions, E-Sign Consent, and Truth in Savings disclosure.
1 Early deposit depends on when the payer submits the payment to OnPoint.
2 OnPoint Community Credit Union will take 0.25% off consumer fixed APR (Annual Percentage Rate) loans. This offer excludes mortgage products, variable rate products, Payday Advantage loans, and the refinance of existing OnPoint loans.
OnPoint Community Credit Union will waive up to $250 off closing costs on any new EquityFlex Line of Credit product.
OnPoint Community Credit Union will waive up to $800 off the closing costs on any new first mortgage purchase or refinance. This offer applies to all OnPoint Mortgage standard products and cannot be used in combination with any other OnPoint Mortgage promotional offers. Offer subject to change.
3 Must have a bank account in the U.S. to use Zelle. To send or receive money with a small business, both parties must be enrolled with Zelle® directly through their financial institution’s online or mobile banking experience. Transactions between enrolled users typically occur in minutes. Zelle and the Zelle-related marks are wholly owned by Early Warning Services, LLC, and are used herein under license. View Zelle terms of service.
4 General financial counseling, including credit counseling and debt counseling are free. However, specialized services such as reverse mortgages may incur a fee(s). Counseling is available in English, Spanish, and additional languages.
5 APY accurate as of 07/29/2026. Rates subject to change. Stated APY is for balances up to $500; balances of $500.01 and higher earn posted lower 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 UTMA and Minor Settlement Accounts are not eligible for OnPoint Savers®. One OnPoint Savers® Account per member/TIN. One $55 bonus per tax ID for new members only. Bonus 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.
