Join OnPoint

Where banking meets purpose. People are the Point.

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.


Who can join—membership eligibility.

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

Open an account online

What 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)
Questions? Request an in-person or phone appointment.
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I love OnPoint because they have always had my back when it comes to transaction disputes, and they also helped me start my own transportation business. I sincerely appreciate the exemplary customer service at this branch. Thank you for everything!

- Denney.

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

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


  • Interactions with like financial institutions

    Interactions with like financial institutions


  • 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


    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


    Credit Unions are financial cooperatives. That means we work together toward one common goal—helping our members prosper.


  • 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


    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


    Banks are competitive. They compete with one another for your business and see you only as a number.




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
Business Membership & Account Agreement

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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