Credit Union Membership
Community banking and so much more. Unlock what's possible.
It’s been over 90 years since a handful of schoolteachers joined together to form our credit union and overcome the challenges of the Great Depression. They didn’t do it for profit. They did it to help each other and their fellow teachers. After all, that’s what community is all about.
Why join OnPoint?
We’re not-for-profit, which means we thrive when our members do. With a full range of banking services―including checking, savings, CDs, loans, and credit cards―as well as great rates, low fees, and free financial education resources, we’re here to help you accomplish your financial goals.
Excellent rates & member value
Profits are returned to members, not shareholders. That means we can offer lower rates on loans and higher rates on deposits, fewer and lower fees, and additional resources such as online and in-person financial education resources.
Member-owned & community-focused
We believe a thriving community helps us all. We’re committed to giving back where we live and work, through funding and supporting schools and nonprofits, volunteering for the causes that matter, and promoting financial education and access for everyone.
Extensive ATM & branch network
With 59 branches and access to over 70,000+ nationwide, we’re there for you when you need us, wherever that might be. Traveling outside of the Pacific Northwest? Deposit and withdraw cash surcharge-free on the MoneyPass and Co-Op ATM networks.
Dependable & secure access
Digital Banking provides access to your account securely and conveniently 24/7 through Online Banking and our Mobile Banking app.
Who can join OnPoint?
We’re excited you’re considering becoming an OnPoint member. With 59 branches in Oregon and SW Washington, joining has never been easier! You’re eligible for membership if you meet any one of the following criteria:
Oregon
You live or work in any of the counties we serve, or you’re a family member of a person who is eligible for OnPoint membership. The 28 counties we serve in Oregon: Benton, Clackamas, Clatsop, Columbia, Coos, Crook, Curry, Deschutes, Douglas, Gilliam, Hood River, Jackson, Jefferson, Josephine, Klamath, Lane, Lincoln, Linn, Marion, Morrow, Multnomah, Polk, Sherman, Tillamook, Wasco, Washington, Wheeler, and Yamhill.Washington
You live, work, worship or go to school in any of the counties we serve, or you’re a family member of a person who is eligible for OnPoint membership. The 4 counties we serve in Washington: Clark, Skamania, Cowlitz, and Lewis.Apply online
Application requirements.
- Be a legal U.S. resident
- Be at least 18 years old (To open a youth membership, please request an appointment, or visit an OnPoint branch.)
- Have a Social Security number
- A debit or credit card from your current financial institution to transfer funds, including a $5 deposit to open and maintain a savings account
- Government-issued ID (Driver's License, State ID card, Passport, Permanent Resident Card, Military ID card)
People are the Point.®
Money without people is just money. It doesn’t roll up its sleeves to get things done, has no story, and has no big dreams. OnPoint understands that it takes people to run a business, turn a house into a home, and build and support a thriving community. As a not-for-profit financial cooperative, a credit union is here to help people build what matters most.
People helping people.
We live in an inspiring community full of remarkable people and organizations working every day to make it special. We’re a member-owned, local community credit union empowering you to get the most out of your life through personalized banking service, comprehensive financial solutions, free financial education resources, and community impact.
Learn more about our community giving
A leading community lender
In 2025, we helped fuel our local economy by financing more than $6.1 billion in loans to members, including 1,079 mortgages for first-time homebuyers across the Pacific Northwest.
No gimmicks, no tricks
We’re here to serve you, not the other way around. We’re not-for-profit, so our first priority is always you. With competitive rates, lower fees, and a focus on local, personalized service, we thrive when you do.
Dedicated to giving back
As a local credit union, we support the causes that strengthen our community through volunteerism and financial giving. Your membership helps make this impact possible—and lets you recognize the nonprofits you value.
What our members are saying.
Open a business membership with OnPoint.
Your business banking partner should be as focused on your future as you are—we do what we can to help make running your business as smooth as possible.
With custom-tailored financing and easy-to-use tools, OnPoint makes banking easier, so you can get back to business.
Request a business membership
Here's what you'll need at your business membership appointment.
Select your tax classification below to review a list of necessary documents.
Membership FAQs.
- 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.
We offer a number of complimentary workshops and seminars for our members, with topics such as:
- Simplifying the Home Buying Process
- Understanding and Retiring with PERS
- Enhancing your Social Security Benefits
- Enhancing your Social Security Benefits
The heart of Digital Banking is the ability to transfer funds on the go. Whether you are transferring money between your accounts or sending money to someone outside of OnPoint, there are various features that help you transfer funds in different ways.
- Funds Transfers: Move money between your personal OnPoint accounts.
- Loan Payment: Make single or recurring payments to your OnPoint loans.
- Member to Member: Move money to another OnPoint member's accounts.
- External Transfer (After adding and verifying external accounts): Move money after linking your external accounts.
- Bill Payments: Bill Payment is a fast and easy way to pay your bills online. There's no need to worry about putting checks in the mail or the cost of postage.
Required documents differ based on your business entity type and the state in which your business resides. For a complete list of required business documents to open a business membership, please review our business account checklists.
Just $5 is needed to establish your OnPoint membership, which is also the minimum opening deposit for your primary savings account.
Compare additional savings accounts to find the right ones for you.
At OnPoint, our purpose is to build strong communities by supporting financial growth and well-being, one person at a time.
We want you to be a part! Opening an account only takes about 10 minutes.
Better banking, more impact. Become a member today.
Disclosures
If you would prefer to submit your application via mail, please contact us at 800.527.3932.
Consumer Membership & Account Agreement
Business Membership & Account Agreement
