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Personal and Other Loans

Flexible loan options for every need.

The money you need is always within reach.

Realize your goal with OnPoint’s flexible, affordable options, fast financing and an easy online application with instant approvals.

Personal Loans

  • Best for:

    Best for:

  • Loan Amount

    Loan Amount

  • Fixed Rate

    Fixed Rate

  • Variable Rate

    Variable Rate

Personal Loans

  • Best for:

    Using your funds how you want. It’s a great option for various purchases and unexpected expenses.

  • Loan Amount

    Up to $25,000

  • Fixed Rate

  • Variable Rate

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Saving Secured Loans

  • Best for:

    Borrowing against your savings account to take advantage of a lower rate compared to loans on other assets.1

  • Loan Amount

    Up to the balance of your Savings account

  • Fixed Rate

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  • Variable Rate

Payday Advantage™ Loans

  • Best for:

    Borrowing short-term funds to help cover unexpected expenses between paychecks.2

  • Loan Amount

    $50 - $600

  • Fixed Rate

  • Variable Rate

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Personal Lines of Credit

  • Best for:

    Best for:

  • Loan Amount

    Loan Amount

  • Variable Rate

    Variable Rate

  • Overdraft Protection available

    Overdraft Protection available

Personal Lines of Credit

  • Best for:

    Accessing credit when you need it, to use for whatever you need it for.

  • Loan Amount

    $100 - $25,000

  • Variable Rate

  • Overdraft Protection available

Saving Secured Lines of Credit

  • Best for:

    Reestablishing or rebuilding your credit.

  • Loan Amount

    Up to the balance of your Savings account

  • Variable Rate

  • Overdraft Protection available

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Looking for more flexibility? Consider an OnPoint Visa® credit card.

OnPoint’s Platinum and Signature Visa® credit cards provide access to the funds you need with added convenience, security and the ability to earn rewards.

Learn more and apply today

Rates

Other Loans
Other Loans

Available Terms

Annual Percentage Rate1

Estimated Minimum Monthly Payment

Rates Effective: 05-23-2019

All loan and line of credit rates are determined by credit union management and are subject to change at any time. All services offered by the credit union shall be subject to applicable laws of the State of Oregon, federal laws and regulations, credit union bylaws, and all regulations, rules and practices now or hereafter adopted by the credit union. All loans and lines of credit subject to credit approval. Rates are based on an evaluation of credit history and other factors specific to your loan and may be higher than the lowest rate published.

1 Rates assume a 0.50% discount for automatic payment from a qualifying OnPoint account. (Payday Advantage loan discount is 2.00% for automatic payment.) Bundle Rewards – Receive 0.25% off consumer fixed APR (Annual Percentage Rate) loans. This offer excludes the refinance of existing OnPoint loans. Auto payment from an OnPoint Checking or Savings account is required. Additional products and services are required to qualify for Bundle Rewards. Please see an OnPoint representative for more information or click here.

2 Personal Line of Credit rate is variable based on the Prime Rate plus a margin of 10.00% – 12.00%, depending on credit worthiness. Prime Rate is subject to adjustment on the 21st day of each month based on the Prime Rate published in the Wall Street Journal on the 10th day of the month (or next business day if the 10th falls on a weekend). As of 1/10/19, Prime Rate is 5.50%. Personal Line of Credit includes $24 Annual Fee. Personal Line of Credit minimum $100 limit, not to exceed $25,000.

3 Personal Loan amount not to exceed $25,000.

4 Savings and CD Secured Loan or Line of Credit limited to pledged amount on savings or CD balance.

5 Payday Advantage Loan amount limited to 20% of member’s paycheck or $600, whichever is less. Payment is due within five days of next payday, not to exceed one month. Limited to no more than six Payday Advantage Loans in a twelve month rolling period. Interest rate assumes 2.00% discount for automatic payment from a qualifying OnPoint account.

Personal Line of Credit

Available Terms

N/A

Annual Percentage Rate1

15.50% - 17.50% Variable Rate2

Estimated Minimum Monthly Payment

2% of outstanding balance or $25, whichever is greater

Personal Loan3

Available Terms

Up to 60 Months

Annual Percentage Rate1

10.00% - 16.00% Fixed Rate

Estimated Minimum Monthly Payment

$265.80 based on a 4-year, $10,000 loan at 12.50% APR

Savings or CD Secured Loan or Line of Credit4

Available Terms

N/A

Annual Percentage Rate1

Pledged account interest rate plus 3.00%

Estimated Minimum Monthly Payment

Loan: 2% of original balance or $25, whichever is greater
Line of credit: 2% of outstanding balance or $25, whichever is greater

Payday Advantage Loan

Available Terms

See Terms and Conditions5

Annual Percentage Rate1

12.00% Fixed Rate

Estimated Minimum Monthly Payment

$302.96 single payment based on a $300 payday advance at 12.00%


close_quote_large Super caring and helpful. close_quote_large

Love love love them so much! Super caring and helpful every single time.

- Ashley S.

What are you saving for?

Use our helpful calculators to see how much you can afford.

Get the flexible financing you need today.

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Disclosures

All OnPoint loans are subject to credit terms and approval.

1 Variable APR 3% above what your savings account currently earns.
2 Maximum amount is 20% of member’s next paycheck or $600, whichever is less.

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