OnPoint Rewards
There are lots of ways to save with us and all of them are rewarding.
Did you know that all members with a checking account and only 6 transactions qualify for OnPoint Rewards? Open an account and start earning the following rewards:
Higher deposit rates
Access to greater earnings with Loyalty Savings and Premium Savings.
0.25% APY increase on any published CD rate1
Loan perks
0.25% off consumer fixed APR loans2
Access to 2% cash back with the OnPoint Signature Visa® Cash Back credit card
Lower closing costs
Up to $175 off a Home Equity Line of Credit3
Up to $800 off the closing costs of a mortgage purchase or refinance4
Saving more with OnPoint Rewards is easy!
Qualifying is simple! All you need is an OnPoint checking account with at least six transactions per calendar month or 10 years of membership5 with OnPoint. Start earning rewards effortlessly and enjoy exclusive benefits tailored for our loyal customers.
What types of transactions qualify for OnPoint Rewards?
- Deposits
- Withdrawals
- Automatic payments
- Checks, and debit card transactions all count toward the six qualifying transactions. However, OnPoint-generated transactions such as interest credits will not count.
To open an account in Digital Banking follow these three easy steps:
- Log in to Digital Banking
- Select "Services"
- Click "Open Account"
- Begin earning rewards at OnPoint
Activating your rewards at OnPoint
Earning rewards with OnPoint has never been easier. Rewards are automatically applied to qualifying members when a new product is opened. Learn how OnPoint makes checking simple.
Digital access
Check account balances, transfer funds, pay bills and more, from anywhere.
57 local branches
Enjoy extra peace of mind with ongoing support from a local team that’s here when you need them.
Global ATMs
Use your Visa® debit card to access over 40,000 surcharge-free ATMs.
Direct deposit
Automatically deposit your paycheck into your account every payday using your routing and account number.
Checking made simple
Whether you’re looking for an account that earns you a little extra or offers no fuss or fees, OnPoint has the one that’s right for you. With access to 57 local branches, along with digital banking, you’ll be able to do what you need and get back to enjoying your life.
Reward yourself. Start earning more today!
Stop by an OnPoint branch.
Find a nearby location or ATMGet started today.
Open an accountApply online.
Get started todayDisclosures
All OnPoint loans are subject to credit terms and approval. Benefits of OnPoint Rewards apply to promotional pricing. OnPoint Rewards available upon request.
- APY=Annual Percentage Yield. OnPoint Community Credit Union will add 0.25% to Certificate of Deposit (CD) rates. This offer is only available when a new CD account is opened.
- OnPoint Community Credit Union will take 0.25% off consumer fixed APR (Annual Percentage Rate) loans. This offer excludes mortgage products, variable rate products, Payday Advantage loans and the refinance of existing OnPoint loans.
- OnPoint Community Credit Union will waive up to $175 off closing costs on any new EquityFlex Line of Credit product.
- OnPoint Community Credit Union will waive up to $800 off the closing costs on any new first mortgage purchase or refinance. This offer applies to all OnPoint Mortgage standard products and cannot be used in combination with any other OnPoint Mortgage promotional offers. Offer subject to change.
- 10-year membership eligibility is recognized on the first day of the month following the member’s 10-year anniversary
- *APY=Annual percentage yield. OnPoint Premium Savings is a sweep account, which means that we may sweep balances up to the Maximum Program Deposit Amount ($250,000.00) to NCUA or FDIC insured deposit accounts held at participating Receiving Financial Institutions. The Maximum Program Deposit Amount and Receiving Financial Institutions may be changed at any time. One OnPoint Premium Savings Account per member/TIN. For additional important information and disclosures, please review our OnPoint Premium Savings Terms and Conditions, E-Sign Consent, and Truth in Savings disclosure. Six qualifying transactions per month in an OnPoint checking account are required to qualify for the OnPoint Premium Savings account.