ITIN Lending
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.
Become a member
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, or 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 2 counties we serve in Washington: Clark and Skamania.
View our Consumer Membership & Account Agreement
Schedule an appointmentAcceptable 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
Governance
Who can join
Who can join
Invested in
Invested in
Deposits federally insured by
Deposits federally insured by
OnPoint
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
Members
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.
Banks
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
Customers
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.
BETTER BANKING, MORE IMPACT. BECOME A MEMBER TODAY.
Get started
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
Need to get your ITIN?
Visit the IRS website to find a certified ITIN acceptance agent by state.
Become a member
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, or 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 2 counties we serve in Washington: Clark and Skamania.
View our Consumer Membership & Account Agreement
Schedule an appointmentAcceptable 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
Governance
Who can join
Who can join
Invested in
Invested in
Deposits federally insured by
Deposits federally insured by
OnPoint
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
Members
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.
Banks
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
Customers
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.
BETTER BANKING, MORE IMPACT. BECOME A MEMBER TODAY.
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.
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