Couple piggy back ride laughing

ITIN Lending

Providing affordable, equitable, and accessible opportunities to members of our community who are not eligible to receive a social security number.

At OnPoint, our purpose is to build strong communities by supporting financial growth and well-being, one person at a time. We’re here to remove financial barriers by offering lending opportunities to qualifying Individual Taxpayer Identification Number (ITIN) holders.

Get started today!

Community banking and so much more. Unlock what's possible.

Qualifying ITIN holders are eligible to apply for the following products with OnPoint. To inquire, fill out the Get Started form above and a lending specialist will contact you directly.

  • Personal line of credit
  • Personal loan
  • Savings or CD secured loan or line of credit
  • Visa credit card
  • Auto loan
Request an appointment

Need to get your ITIN?

Visit the IRS website to find a certified ITIN acceptance agent by state.

Acceptance Agent Programs

Become a member

You’re eligible for membership if you meet any one of the following criteria:


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, or Yamhill.


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 2 counties we serve in Washington: Clark and Skamania.

View our Consumer Membership & Account Agreement

Schedule an appointment

Acceptable forms of ID

  • Driver’s license or ID card (issued in Oregon or Washington)
  • Passport
  • Permanent/Resident Alien Card
  • Matricula Consular Card
  • Employment Authorization Card (issued by U.S. Citizenship & Immigration Services)

OnPoint vs. banks

  • Type of organization

    Type of organization

  • Governance


  • Who can join

    Who can join

  • Invested in

    Invested in

  • Deposits federally insured by

    Deposits federally insured by


  • Type of organization

    Not-for-profit – Fewer fees, better rates

    As a not-for-profit financial cooperative, we return our profits to our members in the form of better rates, lower fees and greater service.

  • Governance

    Member owned

    Every OnPoint member has a voice. Our Board of Directors are directly elected by members and offer guidance and expertise that benefit our entire membership base.

  • Who can join


    OnPoint’s membership is open to anyone in the communities we serve, including the family of eligible members.

  • Invested in

    Community and members

    We serve the needs of our membership and community by investing our non-interest income and interest from loans in local organizations working to make a difference.

  • Deposits federally insured by

    NCUA insured ($250k)

    Your deposits are insured by the National Credit Union Administration (NCUA) and are backed by the full faith and credit of the United States government.


  • Type of organization

    For-profit – More fees, worse rates

    Traditional banking institutions primarily focus on generating profits for their shareholders with no added benefit to their customers.

  • Governance

    Shareholder owned

    Banks are governed by their shareholders, voting rights depend on the number of shares you own leaving regular customers out of decisions.

  • Who can join


    You cannot join a bank, but anyone can be a customer.

  • Invested in

    Generating revenue

    Banks use the income they generate from fees, interest, business accounts and investments to increase their shareholders’ earnings.

  • Deposits federally insured by

    FDIC insured ($250k)

    At a bank, your deposits are insured by the Federal Deposit Insurance Corporation and are backed by the full faith and credit of the United States government.


Get started

Note: Email should not be used to share important or sensitive information.

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.



You are leaving OnPoint Community Credit Union.

The website you are about to visit is the responsibility of the party providing the site. Any transactions you enter into through this third-party site are solely between you and that vendor, merchant or other party. OnPoint’s Privacy Policy does not apply to this third-party site, and for further information you should consult the privacy disclosures of this site.



Cancel Accept