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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.
Excellent Rates & Member Value
Member-Owned & Community-Focused
Extensive ATM & Branch Network
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:
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
Yamhill
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
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.
Type of Organization
Type of Organization
Who Can Join
Who Can Join
Who Owns It
Who Owns It
Governance
Governance
Invested In
Invested In
Interactions with like financial institutions
Interactions with like financial institutions
Deposits Federally Insured By
Deposits Federally Insured By
OnPoint
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
Members
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.
Banks
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
Shareholders
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?
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Join inStop by an OnPoint branch.
Find your nearest locationDisclosures
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.