OnPoint Business Banking
Banking for businesses. Banking for nonprofits. Banking for people.
Whether you’re starting a new business, a nonprofit, 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.
Business Checking.
Keep more of what you earn with no monthly fees or minimum balance requirements. OnPoint Business checking 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 Savings.
Get more access and control of your business’s savings with the convenient features of your OnPoint Business Savings account. By providing tailored business banking to help you meet your business objectives, we make saving for the short- and long-term a lot simpler.
Business Lending.
We keep our loans in-house, which means we’re in this together for the life of the loan. You’ll always know who to call. Whether you have a quick question or want to talk through a bigger idea.
Business Solutions & 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.
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.
We support local business.
Supporting the people behind the business builds a better community. 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. Whether you’re expanding, investing in equipment, managing cash flow, or planning for the future, our team works alongside you to help your business move forward with confidence.
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.
Local decisions, local servicing.
Your loan is reviewed and approved here by people who know this market, not routed to a processing center three time zones away. And once it closes, it stays with us. That means you’ll always know who to call, whether you have a quick question or want to talk through a bigger idea. It’s one of the ways we deliver more personalized service to the businesses and people behind them.
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: 10-14-2026 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) 10.75% - 12.75% variable rate2 | Estimated minimum monthly payment 2% of outstanding balance or $25, whichever is greater |
Type | Available terms | Annual percentage rate (APR), fixed | Estimated minimum monthly payment |
|---|---|---|---|
Rates Effective: 10-14-2026 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 are 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. Auto Loans Business Equipment and Specialty Vehicles (2025 and newer) Business Older Vehicles (2015 and older) Small Business Line of Credit Small Business Term Loan OnPoint Business Rewards | |||
Type New auto | Available terms 36-60 months | Annual percentage rate (APR), fixed 4.99% - 9.44% | Estimated minimum monthly payment $292.37 based on a 60 month, $15,000 loan at 6.34% APR* |
Type New auto | Available terms 72 months | Annual percentage rate (APR), fixed 5.24% - 9.89% | Estimated minimum monthly payment $252.79 based on a 72 month, $15,000 loan at 6.59% APR* |
Type New auto | Available terms 84 months | Annual percentage rate (APR), fixed 5.49% - 10.14% | Estimated minimum monthly payment $226.68 based on a 84 month, $15,000 loan at 7.04% APR* |
Type New auto | Available terms 96 months | Annual percentage rate (APR), fixed 7.24% - 12.74% | Estimated minimum monthly payment $369.38 based on a 96 month, $25,000 loan at 9.24% APR* |
Type Used auto | Available terms 36-60 months | Annual percentage rate (APR), fixed 5.14% - 9.84% | Estimated minimum monthly payment $294.48 based on a 60 month, $15,000 loan at 6.64% APR* |
Type Used auto | Available terms 72 months | Annual percentage rate (APR), fixed 5.39% - 10.19% | Estimated minimum monthly payment $254.94 based on a 72 month, $15,000 loan at 6.89% APR* |
Type Used auto | Available terms 84 months | Annual percentage rate (APR), fixed 5.84% - 11.49% | Estimated minimum monthly payment $230.37 based on a 84 month, $15,000 loan at 7.54% APR* |
Type Business Equipment and Specialty Vehicles | Available terms 36 months | Annual percentage rate (APR), fixed 8.49% - 11.99% | Estimated minimum monthly payment $205.12 based on a 60 month, $10,000 loan at 8.49% APR |
Type Business Older Vehicles | Available terms Up to 60 months | Annual percentage rate (APR), fixed 10.99% - 12.99% | Estimated minimum monthly payment $258.41 based on a 48 month, $10,000 loan at 10.99%APR |
Tools for business loans and lines of credit.
Business solutions and treasury management.
Your organization runs best when cash flow is optimized, payments are streamlined, and every dollar is working for you. OnPoint’s treasury management tools are built to do exactly that. With solutions tailored to your business’s working capital, liquidity, and operations.
ACH services.
Send and receive payments electronically, faster, more affordable, and more secure than paper checks.
Check and ACH Positive Pay.
Verify payments before they clear. Flag unauthorized checks and ACH transactions for your review.
Commercial online banking.
Manage accounts, payments, fraud controls, and more. All in one secure 24/7 platform.
Remote deposit capture.
Deposit checks anytime by scanner or mobile device. No branch visit needed.
Premium sweeps.
Automate fund transfers to maximize returns, pay down credit, or eliminate idle balances. Three solutions, one smart strategy.
Merchant Services.
Accept payments with confidence using secure, flexible merchant services designed to help your business process transactions quickly and efficiently.
Support your workforce with Group Banking.
Attract, retain, and support the people who help your business succeed. Through OnPoint’s Group Banking program, eligible employees receive access to exclusive financial benefits that can help them save money and reach their goals faster.
Home loan savings
Receive up to $800 off closing costs on a first mortgage3 and up to $250 off closing costs on a Home Equity Line of Credit.4
Better rates and discounts.
Enjoy 0.25% off standard consumer loan APR and a 0.25% APY increase on any standard published Certificate of Deposit.5
Local service and trusted support.
Employees gain access to OnPoint’s full suite of personal banking solutions, backed by local experts who understand the needs of our communities.
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Get started with OnPoint Business Banking
Business Membership
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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.
3Contact OnPoint Community Credit Union for complete terms and conditions. Final rate and terms are subject to creditworthiness.
4OnPoint Community Credit Union reserves the right to modify the terms without notice.
5Benefits are subject to change without notice. Notwithstanding an employer’s participation in the program, final rates, terms and benefits are subject to each member’s credit worthiness and other eligibility requirements.
