OnPoint Rewards
There are lots of ways to save with us and all of them are rewarding.
Earn benefits and discounts on the services you use:
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?
To qualify for OnPoint Rewards, you will need to make at least six transactions per calendar month. The following transactions qualify you 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.
Earn up to 4.25% APY* with OnPoint Premium Savings
Earn 4.25% annual percentage yield on your first $100,000, then 2.75% APY on your remaining balance. Click below for details and complete terms and conditions.
Reward yourself. Start earning more today!
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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.
