Join OnPoint
Join OnPoint and discover personalized financial solutions from a trusted credit union with 90+ years of community-focused service. Our team of friendly professionals is dedicated to guiding you toward your financial goals. Begin your financial journey with OnPoint by opening an account online and unlocking what’s possible.
BECOME A MEMBER
Who can join—membership eligibility.
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
Open an account onlineWhat you'll need to apply online:
- Be a legal U.S. resident
- Be at least 18 years old (To open a youth membership, please visit an OnPoint branch.)
- Have a Social Security number
- Have a debit or credit card to fund your account(s)
- Have a government issued ID (Driver's License, State ID card, Passport. Permanent Resident Card, Military ID card)
Community banking and so much more. Unlock what’s possible.
Excellent rates & member value
Member-owned & community-focused
Extensive ATM & branch network
Dependable & secure access
- Diane G.Most Excellent all the way around. I research everything, research credit unions too. Our previous credit union merged with a bank, no thank you. We are here to stay with OnPoint for as long as they will have us!!
OnPoint vs. banks
Type of organization
Type of organization
Who can join
Who can join
Invested in
Invested in
Deposits federally insured by
Deposits federally insured by
Governance
Governance
Interactions with like financial institutions
Interactions with like financial institutions
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.
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.
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.
Interactions with like financial institutions
Cooperative
Credit Unions are financial cooperatives. That means we work together toward one common goal—helping our members prosper.
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.
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.
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.
Interactions with like financial institutions
Competitive
Banks are competitive. They compete with one another for your business and see you only as a number.
BETTER BANKING, MORE IMPACT. BECOME A MEMBER TODAY.
OPEN AN ACCOUNT ONLINEDisclosures
If you would prefer to submit your application via mail, please print out and complete our paper membership application. Mail your completed application to: Member Services, PO Box 3750, Portland, OR 97208. Include a $5 check, which will establish your OnPoint membership with a minimum balance of $5.
Consumer Membership & Account Agreement
Consumer Membership & Account Agreement (effective October 1, 2023)
Business Membership & Account Agreement
Business Membership & Account Agreement (effective October 1, 2023)