Join OnPoint

We’re not just a financial institution, we’re a community. People are the Point.

Community banking and so much more. Unlock what's possible.

It’s been over 90 years since a handful of schoolteachers joined together to form our credit union. They didn’t do it for profit. They did it to help one another. After all, that’s what community is all about.

Excellent rates & member value

Member-owned & community-focused

Extensive ATM & branch network

Dependable & secure access

Who can join—membership eligibility.

We’re excited you’re considering becoming an OnPoint member, and with 59 branches in Oregon and SW Washington, joining has never been easier!

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, and 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 4 counties we serve in Washington: Clark, Skamania, Cowlitz, and Lewis.

Membership & Account Agreement

Code of Conduct for Engaging with OnPoint

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.

Credit unions are different. OnPoint takes it further.

People are the Point.

Money without people is just money. It doesn’t roll up its sleeves to get things done. It doesn’t have a story, or dream big. OnPoint understands that it takes people to run a business, or turn a house into a home. And it takes people to build and support a thriving community.

People helping people.

We live in an inspiring community full of remarkable people and organizations working every day to make it special. We’re a member-owned, local community credit union empowering you to get the most out of your life through personalized banking service, comprehensive financial solutions and community impact.

People are the Point.

Learn more and be a part of our giving story.

A leading community lender

In 2020, 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 we call home.

Open a business membership with OnPoint.

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.

Open your new business account at your nearest OnPoint location