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Join in

Your community. Your place to bank.

Unlock what's possible.

We’re a local community credit union empowering you to get the most out of life through personalized service and comprehensive financial solutions.

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Excellent Rates & Member Value

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Member-Owned & Community-Focused

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Extensive ATM & Branch Network

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Dependable & Secure Access

Who Can Join

We’re excited you’re considering becoming an OnPoint member and we want to make joining as easy as possible!  Anyone who meets one of the following criteria is eligible for membership:

  • Lives, works or worships in Clark or Skamania counties in Washington
  • Is a family member of a person who is eligible for OnPoint membership
  • Lives or works in any of the following 28 Oregon counties:
Illustrated map indicating areas served by OnPoint branches


Hood River



Join In – Business Membership

Your business banking partner should be as focused on your future as you are—we know that you wear a lot of hats, so we do what we can to help make running your business as smooth as possible. With custom-tailored financing and easy-to-use tools, OnPoint makes banking easier, so you can get back to business.

Join in at your nearest OnPoint location
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Why We're Different

A Leading Community Lender

In 2018, we helped fuel our local economy by financing over $3.5 billion in affordable loans to members.

No Gimmicks, No Tricks

We’re here to serve you, not the other way around. We’re not-for-profit, so our first priority is always you.

Dedicated to Giving Back

As a local community credit union, we give back to causes and organizations that make a difference in the place you call home.

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Fewer Fees, Better Rates
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NCUA Insured ($250K)
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More Fees, Worse Rates
FDIC Insured ($250K)

As a member of OnPoint, you’re part of a local, not-for-profit financial institution that’s committed to helping you and your community thrive.

  • Type of Organization

    Type of Organization

  • Who Can Join

    Who Can Join

  • Who Owns It

    Who Owns It

  • Governance


  • Invested In

    Invested In

  • Interactions with like financial institutions

    Interactions with like financial institutions

  • Deposits Federally Insured By

    Deposits Federally Insured By


  • Type of Organization

    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.

  • Who Owns It


  • Governance

    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.

  • Invested In

    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.

  • Interactions with like financial institutions

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

  • Deposits Federally Insured By

    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

    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.

  • Who Owns It


  • Governance

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

  • Invested In

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

  • Interactions with like financial institutions

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

  • Deposits Federally Insured By

    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.

Giving Back

We live in an inspiring community full of remarkable people and organizations working every day to make it special.

Learn more and be a part of our giving story.

How we give back

Ready to join in?

Join online.

Join in

Stop by an OnPoint branch.

Find a nearby location or ATM


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.

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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