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Checking Accounts

For every day and everywhere.

Stay connected with more control.

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Digital Access

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Direct Deposit

Automatically deposit your paycheck into your account every payday.

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Global ATMs

Use your free Visa® debit card to access over 60,000 surcharge-free ATMs.

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World-class Support

Enjoy extra peace of mind with ongoing support from a local team that’s here when you need them.

Conveniently manage your money.

Enjoy more flexibility and control of your finances with easy-to-use tools. Get in, get out and get back to your life.

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Mobile Deposit

Deposit checks anytime, anywhere from your smartphone.

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Overdraft Protection

Protect yourself from overdrafts and get more peace of mind by linking your credit card to your checking account.

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Bill Payment

The no-fuss, no-hassle way to pay all your bills online, on time.

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Person-to-Person

Send money simply and securely to your family and friends.


From Portland to Pensacola, access over 60,000 surcharge-free ATMs.

Enjoy easy access to your money with a nationwide network of OnPoint, CO-OP and MoneyPass ATMs. Plus, international access in Europe and Asia.

Find the nearest ATM
Access over 60,000 ATM's_photo of Hawthorne Branch ATMs

Compare Checking Accounts

  • Best for:

    Best for:

  • Minimum Balance Required

    Minimum Balance Required

  • Monthly Fee

    Monthly Fee

  • No fee cash withdrawals from any ATM.3

    No fee cash withdrawals from any ATM.3

  • Tiered Dividends

    Tiered Dividends

  • Free estatements

    Free estatements

  • Minimum to Open

    Minimum to Open

Interest Checking

  • Best for:

    Earning a little extra. You get all the features plus a monthly dividend.

  • Minimum Balance Required

    $5001

  • Monthly Fee

    $01

  • No fee cash withdrawals from any ATM.3

  • Tiered Dividends

  • Free estatements

  • Minimum to Open

    $0

OnPoint Checking

  • Best for:

    Simplicity of an everyday account with no fuss and no minimum balance requirements.

  • Minimum Balance Required

    $0

  • Monthly Fee

    $0

  • No fee cash withdrawals from any ATM.3

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  • Tiered Dividends

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  • Free estatements

  • Minimum to Open

    $50

Access Account

  • Best for:

    A fresh start and a simple way to build or reestablish your finances.

  • Minimum Balance Required

    $0

  • Monthly Fee

    $72

  • No fee cash withdrawals from any ATM.3

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  • Tiered Dividends

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  • Free estatements

  • Minimum to Open

    $50

Additional Rate Info

Interest Checking
Interest Checking

Deposit Amount

Interest Rate

Annual Percentage Yield1

Minimum Balance to Avoid Service Fees

Monthly Service Fee if Below Minimum Balance2

Rates Effective: 12-05-2020

Learn more about interest checking

View our Truth-In-Savings disclosure for additional information.

1 Annual Percentage Yield subject to change.

2 Fees could reduce earnings on the account.

Deposit Amount

$0 - $999.99

Interest Rate

0.05%

Annual Percentage Yield1

0.05%

Minimum Balance to Avoid Service Fees

$500 Avg/Month

Monthly Service Fee if Below Minimum Balance2

$7.00

Deposit Amount

$1,000 - $4,999.99

Interest Rate

0.05%

Annual Percentage Yield1

0.05%

Minimum Balance to Avoid Service Fees

$500 Avg/Month

Monthly Service Fee if Below Minimum Balance2

$7.00

Deposit Amount

$5,000 and higher

Interest Rate

0.05%

Annual Percentage Yield1

0.05%

Minimum Balance to Avoid Service Fees

$500 Avg/Month

Monthly Service Fee if Below Minimum Balance2

$7.00



Checking FAQs

How can I apply for or refinance an auto loan?
Apply online today or stop by any OnPoint branch. We've made the Auto Loan application and refinance process simple!

See our low, competitive rates here and check out our Vehicle Loan Financial Calculators to learn how you can benefit from refinancing your auto loan.
How long does it take to receive my vehicle title once I pay off my auto loan?
Once your auto loan is paid off, the title will be mailed to you within 10 business days after the final payment has been received. If you need your title sooner, please contact Member Services (M-F 7:00 am - 7:00 pm; Sat. 9:00 am - 1:00 pm) at 503.228.7077 or 800.527.3932 to review options to expedite the process.
Can I apply for an auto loan if I haven't found the car I want yet?
Yes! We welcome the opportunity to pre-approve your auto loan application before you start shopping. To get pre-approved:
  1. Get preapproved for your auto loan in minutes online!
    Note: when presented with the question "Do you know the make and model of the vehicle you want?" be sure to select "No."
  2. Stop by any OnPoint branch
  3. Apply at any Credit Union Direct Lending dealers to apply on the spot!
What is Credit Union Direct Lending (CUDL)?
CUDL or Credit Union Direct Lending allows you to choose your car and complete the financing at the dealership anytime, including weekends, holidays and evenings. Participating dealers are located throughout Oregon, Washington, and Idaho. Receive on-the-spot OnPoint financing within minutes at any of our dealer partners.

In addition, you can search thousands of new and used vehicles near you with OnPoint and AutoSMART.
What are the insurance requirements for an auto loan?
Full coverage insurance with a deductible no greater than $1,000 is required on any vehicle that is financed with OnPoint. If you have financed a vehicle through OnPoint, please contact your insurance provider and request that OnPoint Community Credit Union be listed as the Loss Payee:

OnPoint Community Credit Union
P.O.BOX 3755
Portland, OR 97208

Please visit at onpointcu.com/myinsurance to submit your proof of insurance coverage, or call 800.523.6404.
Can I change the due date on my loan?
If you need to change a due date on your loan, please contact Member Services at 503.228.7077 or 800.527.3932. (M-F 7 a.m. - 7 p.m., Sat. 9:00 a.m. - 1:00 p.m.), send a secure message within Online Banking, or visit your nearest branch for assistance.

Open your checking account today.

Open an account online.

Get started today

Stop by an OnPoint branch.

Find your nearest location

Disclosures

1 If the minimum monthly average balance is not met, there will be a $7.00 monthly fee.
2 Monthly fee waived if under 18 years of age.
3 Please be aware that while OnPoint will not charge ATM fees with Interest Checking, you may be assessed a surcharge by another financial institution.

Please note: Regulation D limitations apply to Online Banking transactions.
If you request a substitute check, please read the Check 21 disclosure.
Click here to read the Truth in Savings Disclosures.

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