OnPoint Business Banking
Local banking built for businesses.
Whether you’re starting a new business or expanding an existing one, the right Business Banking partner makes all the difference. At OnPoint Community Credit Union, we offer trusted local expertise, transparent banking with no hidden fees, and solutions designed to help your business thrive.
Everything your business needs—all in one place.
A strong business needs strong support. At OnPoint, we believe in relationships, not just transactions. That’s why we offer Business Banking that’s simple, transparent, and tailored to your needs.
OnPoint Business Checking
Keep more of what you earn with no monthly fees or minimum balance requirements. OnPoint Business Bhecking is designed to be simple and cost-effective, so you can focus on growing your business with the everyday banking tools you need to manage your finances with ease.
Business & Merchant Services
Securely manage transactions and accept more payment types, including digital and mobile. Access merchant services, Remote Deposit Capture, and ACH options to simplify payroll, vendor payments, and deposits—so you never miss a sale and stay efficient.
Mobile & Digital Banking
Stay connected with your business accounts anytime, anywhere. Use our full suite of digital tools to pay bills, transfer funds, and customize user access. Seamlessly integrate with QuickBooks® or Quicken® to streamline your financial management.
OnPoint Business Rewards
Unlock extra savings and exclusive benefits for your business at OnPoint. Get free cashier’s checks, rate discounts on fixed-rate auto loans, and rate boosts on Business CDs. OnPoint Business Rewards are built to support your growth—one reward at a time.
Business membership at OnPoint.
Becoming a Business Member at OnPoint means more than opening an account—it means joining a financial partner that’s invested in your success. Whether you’re just getting started or managing an established company, we’re here to help you build, grow, and thrive.
Local business deserves local support.
To get started, fill out our business membership request form and review the required documents. A business relationship manager will follow up with you shortly.
Also, be sure to take a look at our business account checklist to help you prepare everything you’ll need to become a business member at OnPoint.
Get startedWe support local business.
Our community is built on small businesses, and we’re proud to support the people behind them. From featuring local entrepreneurs in our events and videos to offering personalized financial solutions, we’re more than a lender—we’re a partner.
With local decision-making and in-house loan servicing, you’ll always know who to call when you have a question or want to talk through your next big idea. It’s all part of how we deliver better, more personalized service.
We’re not a bank—we’re your partner.
We take the time to understand your business goals and help you find financing that fits, with flexible rates and terms.
Small business financing.
Let us help you meet the needs of your local business. Whether you’re building out or moving on, an OnPoint Small Business Loan makes getting the financing your small business needs quick and convenient.
We provide local decisions and local loan servicing.
We keep our loans in-house. That means we’ll always be working together. It also means that you’ll always know who to call when you have a question or need to bounce around a big–or not so big–idea. It’s just one of the many ways we provide better, more personalized service to our members.
Looking for small business financing? OnPoint is here to help.
Contact us about a Business Loan
Small business financing rates.
Type | Available terms | Annual percentage rate (APR) | Estimated minimum monthly payment |
|---|---|---|---|
Rates Effective: 05-07-2025 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.
| |||
Type | 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 60 month, $20,000 loan at 14.50% APR* |
Type | Available terms N/A | Annual percentage rate (APR) 11.50% - 13.50% variable rate2 | Estimated minimum monthly payment 2% of outstanding balance or $25, whichever is greater |
Type | Available terms | Annual percentage rate (APR), fixed1 | Estimated minimum monthly payment |
|---|---|---|---|
Rates Effective: 05-07-2025 Learn more about business auto loansAll 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. Maximum LTV may vary depending on credit history and factors specific to your loan. LTV is calculated using Kelley Blue Book retail value or MSRP for vehicles not previously titled. 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
Alternative terms and additional conditions may apply. | |||
Type New auto | Available terms 36-60 months | Annual percentage rate (APR), fixed1 6.24% - 9.69% | Estimated minimum monthly payment $294.12 based on a 60 month, $15,000 loan at 6.59% APR* |
Type New auto | Available terms 72 months | Annual percentage rate (APR), fixed1 6.49% - 10.14% | Estimated minimum monthly payment $255.98 based on a 72 month, $15,000 loan at 6.84% APR* |
Type New auto | Available terms 84 months2 | Annual percentage rate (APR), fixed1 6.74% - 10.39% | Estimated minimum monthly payment $228.52 based on an 84 month, $15,000 loan at 7.29% APR* |
Type New auto | Available terms 96 months2 | Annual percentage rate (APR), fixed1 7.49% - 11.99% | Estimated minimum monthly payment $359.67 based on a 96 month, $25,000 loan at 8.49% APR* |
Type Used auto | Available terms 36-60 months | Annual percentage rate (APR), fixed1 6.39% - 10.09% | Estimated minimum monthly payment $296.24 based on a 60 month, $15,000 loan at 6.89% APR* |
Type Used auto | Available terms 72 months2 | Annual percentage rate (APR), fixed1 6.64% - 10.44% | Estimated minimum monthly payment $256.74 based on a 72 month, $15,000 loan at 7.14% APR* |
Type Used auto | Available terms 84 months2 | Annual percentage rate (APR), fixed1 7.09% - 11.74% | Estimated minimum monthly payment $232.23 based on an 84 month, $15,000 loan at 7.79% APR* |
Type Business specialty vehicle3 | Available terms Up to 60 months | Annual percentage rate (APR), fixed1 11.24% - 13.24% | Estimated minimum monthly payment $109.31 based on a 60 month, $5,000 loan at 11.24% APR* |
Tools for business loans and lines of credit.
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Get started with OnPoint Business Banking
Business Membership
Contact usBusiness Loan Requests
Contact usDisclosures
Monthly service fee and per item charges are calculated via account analysis.
Earnings credit on ledger balances may offset monthly service fee and other charges.
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.
