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Home equity line of credit

Your home’s equity is a powerful tool. An OnPoint HELOC can help you use it to get things done—like updating or adding onto your home.

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
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Find help online.

  • 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
Get member assistance.

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.

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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.

Learn about our giving story
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Green Horizons

If we all work together, we can maintain the Pacific Northwest’s beauty while pursuing a more sustainable future.

Get discounts* for your green lifestyle
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Financial education

Find the support you need to achieve financial wellness. Reach your goals faster with OnPoint’s interactive and self-guided resources.

Explore financial education resources
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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.

Learn more about OnPoint Prize
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My mom has been a member since the late 1940s, I have been a member since the mid 1990s. We are very happy with their service. They are very helpful and accurate with their advice and actions. They are accommodating with my mom who now is 103. They know we are not wealthy but they still treat us like we are valuable to them. They take time, are patient, and sometimes go beyond what we expect. We have had NO complaints over all these years!

- Toby C.

Today's promotions & rates.

Stress less. Enjoy more. Choose to skip your June or July 2024 payments.

This summer, choose to skip your June or July 2024 payments on eligible loans. Get the flexibility to direct some of your money elsewhere—whether it be toward a family summer trip, a DIY home project or financial relief from an unexpected expense.

Learn more
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Three simple steps to submit your Skip Pay request

  • Log into Digital Banking.
  • Look for the Skip Pay Promotion tile in the right navigation bar. If you’re using the OnPoint mobile app, log in and select the More button on the right side of the main screen.
  • If the Skip Pay Promotion appears, you have eligible loans! Simply select the loan(s) of which you’d like to skip your payment. Please note: the Skip Payment promotion will not appear if you do not have any eligible loans.

Today’s rates

View all Rates »
as low as
6.49%
APR*
30-year fixed as low as
6.732%
APR*
as low as
13.25%
APR*
Prev Next

Disclosures

* APR = Annual Percentage Rate

 

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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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