Green Horizons
It takes local effort to realize global impact.
With the global threat of climate change, we are taking strides to empower our members and our organization to help build a more sustainable future for us all. OnPoint Green Horizons provide special rate discounts on electric or hybrid vehicles, as well as solar panels. Plus, this year we’re donating a total of $100,000 to four Oregon and Southwest Washington organizations on the front lines of protecting our local environment: SOLVE, The Nature Conservancy, Columbia Land Trust and School Garden Project of Lane County.
We’re also taking steps to reduce our carbon footprint with telecommuting programs, environmental education, employee volunteer opportunities and donations to environmentally-focused organizations. We know we have much work to do, but we are committed to a greener future.
How we're making a difference
- Employee telecommuting programs
- Environmental education
- Employee volunteer opportunities
- Environmentally-focused donations
- Green Auto Discount
- Solar Panel Discount
Save some green with these forward-thinking discounts.
Green Auto Discount
The Green Auto Discount helps you to save money while doing your part to protect the environment. Get a discount of 0.25% APR1 off our already low auto loan rates when you finance your new or used electric or hybrid vehicle with OnPoint.
Home Equity Solar Panel Discount
An EquityFlex Line of Credit gives you the flexibility you need for just about anything. And when you fix a portion of your line of credit to purchase solar panels, receive a 0.25% discount off the EquityFlex Fixed Portion APR.2
Auto loan rates (without discount applied)
Type | Available terms | Annual percentage rate (APR), fixed1 | Estimated minimum monthly payment |
|---|---|---|---|
Rates Effective: 07-16-2026 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. 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
| |||
Type New auto | Available terms 36-60 months | Annual percentage rate (APR), fixed1 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), fixed1 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 months2 | Annual percentage rate (APR), fixed1 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 months2 | Annual percentage rate (APR), fixed1 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), fixed1 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 months2 | Annual percentage rate (APR), fixed1 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 months2 | Annual percentage rate (APR), fixed1 5.84% - 11.49% | Estimated minimum monthly payment $230.37 based on a 84 month, $15,000 loan at 7.54% APR* |
Type Older/other titled vehicles (2015 and older)3 | Available terms Up to 60 months | Annual percentage rate (APR), fixed1 10.99% - 12.99% | Estimated minimum monthly payment 258.41 based on a 48 month, $10,000 loan at 10.99% APR |
Helping to tackle climate change.
OnPoint takes pride in supporting organizations focused on making an impact to help address the affects of climate change. Here are just a few initiatives that OnPoint has recently supported:
SOLVE
SOLVE is an environmental nonprofit that grew from a grassroots effort into a nationally recognized model for volunteer stewardship. Each year, it mobilizes thousands across Oregon and Southwest Washington to clean and restore communities.
The Nature Conservancy
The Nature Conservancy works to conserve the lands and waters life depends on. For 60 years in Oregon, it unites people to tackle conservation challenges through policy, community action, habitat protection, and livelihoods.
Columbia Land Trust
Columbia Land Trust is a nonprofit dedicated to conserving and caring for vital lands and waters in the Columbia River region. Through science and community partnerships, they protect habitats, support wildlife, and ensure these landscapes endure.
the School Garden Project
School Garden Project of Lane County, founded in 2001, helps schools build gardens and offers resources, training, and programs. It promotes science learning, healthy choices, environmental stewardship, and student confidence through collaboration.
We're all taking action together.
OnPoint is proud to partner with KGW’s Good Energy to bring electric vehicles to the forefront, and provide eco-friendly choices that are more affordable for all. Together, we’re helping the Northwest’s mission to go electric and sharing how everyone can make a positive impact for the environment.
Apply online today or visit your nearest branch.
Stop by an OnPoint branch.
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Get startedDisclosures
* APR=Annual Percentage Rate.
- APR = Annual Percentage Rate. Vehicles meeting OnPoint’s Green Auto Discount standards receive a 0.25% discount off stated APR (Annual Percentage Rate). All OnPoint loans are subject to credit terms and approval. Discount does not apply to existing OnPoint auto loans.
- Receive a 0.25% discount off stated EquityFlex Fixed Portion APR when proceeds are used to purchase solar panels. Review of purchase order or invoice required to qualify. Discount applies to invoice/purchase order amount, not to exceed $12,000.
