Promotions
Winter Skip Pay
This winter, choose to skip your December 2025 or January 2026 payments on eligible loans. It’s a simple way to free up some funds—whether you’re planning a winter getaway, a DIY home project, or need a little extra breathing room due to unexpected holiday expenses.
Earn up to 3.75% APY with OnPoint Premium Savings
Earn 3.75% Annual Percentage Yield on your first $100,000, then 2.25% APY* on your remaining balance.
2% cash back on every purchase with OnPoint Signature Visa
The OnPoint Signature Visa with Cash Back Rewards credit card comes with great rates, perks, and security you want from a credit union you’ll love.
Business Platinum Visa® with Rewards
Earn 1 point for every $1 you spend. Redeem for cash, airfare, rentals and more.Enjoy cash back rewards, flexibility and worldwide purchasing power.
Buy now. Refi later, on us.
If rates fall, you can refinance before 2028 with no loan origination fee*. That way, you won’t miss out on a great opportunity. Focus on what really matters—making your new house feel like home.
Refer a friend, get $50.
When you invite your friend, family member or colleague to join in and they open a personal or business checking account with direct deposit, you’ll each get $50*. Because everyone deserves great local banking.
Together, we'll help them save.
When you open your child’s membership with the OnPoint Savers® Account and deposit at least $25, OnPoint will deposit an additional $55!* Plus, earn a high interest rate on the first $500.
Drive Green. Save Green.
Get a discount of 0.25% APR* off our already low auto loan rates when you finance your new or used electric or hybrid vehicle with OnPoint & we’ll donate to a local nonprofit.
OnPoint Rewards
Earn benefits and discounts on services you use. Qualify with an OnPoint checking account with at least six transactions per calendar month or 10 years of membership with OnPoint.
2025 Guide to Personal Cybersecurity
Learn ways to protect your personal information and recover from fraud in our updated comprehensive guide to personal cybersecurity.
Disclosures
*APR=Annual percentage rate.
Buy now, re-fi later on us disclosure:
All purchase mortgages originated until the end of 2026 are eligible to have the Loan Origination Fee waived up to $795 on a new refinance of the same property. The new refinance loan must close by December 31, 2027, to get the fee waiver promo. The borrower and property must meet all applicable underwriting guidelines and closing conditions that are in effect at the time of the new refinance. Not to be combined with OnPoint Rewards or Group Banking.
Refer a Friend Disclosure:
Consumer referral: To participate, you must open a new membership with a personal checking account and receive direct deposit of at least $100 to that account within 60 days of the open date. Bonus of $50 will be credited to the accounts of you and the friend who referred you approximately 60 days after new account is opened. Accounts must be open and in good standing at time of payout to receive bonus. Fees may reduce earnings.
Business referral: To participate, you must open a new membership with a business checking account and receive $250 in deposits to that account within 60 days of the open date. A bonus of $50 will be credited to the accounts of you and your friend who referred you approximately 60 days after new account is opened. Accounts must be open and in good standing at time of payout to receive bonus.
OnPoint Savers Disclosure:
Parent or legal guardian must be on the membership and present to open the OnPoint Savers® Account. When primary member attains the age of 18, accounts will be converted to Member Savings Account, earning that account’s published rate at that time. Fiduciary memberships, including UTTMA and Minor Settlement Accounts are not eligible for OnPoint Savers®. One OnPoint Savers® Account per member/TIN. One $55 bonus per tax ID for new members only. Bonus will be deposited to the new Savers account by the next business day and will be included on a 1099-INT for tax purposes. Cannot be combined with other offers for opening a new membership, such as new branch promotions or Refer a Friend.
