Business rates & fees
Deposit amount | Annual percentage yield | |
|---|---|---|
Rates Effective: 06-09-2023 | ||
Deposit amount N/A | Annual percentage yield N/A | |
Deposit amount $0 - $999.99 | Annual percentage yield 0.05% | |
Deposit amount $1,000 - $4,999.99 | Annual percentage yield 0.05% | |
Deposit amount $5,000+ | Annual percentage yield 0.05% | |
Deposit amount | Annual percentage yield (APY)1 |
|---|---|
Rates Effective: 06-09-2023 Learn more about business savings1 Annual percentage yield subject to change. | |
Deposit amount $0 - $2,499.99 | Annual percentage yield (APY)1 0.10% |
Deposit amount $2,500 - $9,999.99 | Annual percentage yield (APY)1 0.10% |
Deposit amount $10,000 - $24,999.99 | Annual percentage yield (APY)1 0.10% |
Deposit amount $25,000 - $49,999.99 | Annual percentage yield (APY)1 0.10% |
Deposit amount $50,000 - $99,999.99 | Annual percentage yield (APY)1 0.10% |
Deposit amount $100,000+ | Annual percentage yield (APY)1 0.10% |
Deposit amount | Interest rate | Annual percentage yield (APY)1 | Minimum balance |
|---|---|---|---|
Rates Effective: 06-09-2023 Learn more about business bundle rewardsAdditional products and services are required to qualify for the business bundle rewards savings. Please see an OnPoint representative for more information or click here. 1 Annual percentage yield subject to change. | |||
Deposit amount $0 - $49,999.99 | Interest rate 0.35% | Annual percentage yield (APY)1 0.35% | Minimum balance $0 |
Deposit amount $50,000 - $99,999.99 | Interest rate 0.35% | Annual percentage yield (APY)1 0.35% | Minimum balance $0 |
Deposit amount $100,000 - $249,999.99 | Interest rate 0.35% | Annual percentage yield (APY)1 0.35% | Minimum balance $0 |
Deposit amount $250,000 and higher | Interest rate 0.35% | Annual percentage yield (APY)1 0.35% | Minimum balance $0 |
Deposit amount | Annual percentage yield (APY)1 |
|---|---|
Rates Effective: 06-09-2023 Learn more about business money market1 Annual percentage yield subject to change. | |
Deposit amount $0 - $4,999.99 | Annual percentage yield (APY)1 0.15% |
Deposit amount $5,000 - $9,999.99 | Annual percentage yield (APY)1 0.15% |
Deposit amount $10,000 - $24,999.99 | Annual percentage yield (APY)1 0.15% |
Deposit amount $25,000 - $49,999.99 | Annual percentage yield (APY)1 0.15% |
Deposit amount $50,000 - $99,999.99 | Annual percentage yield (APY)1 0.15% |
Deposit amount $100,000 - $249,999 | Annual percentage yield (APY)1 0.15% |
Deposit amount $250,000+ | Annual percentage yield (APY)1 0.15% |
CD term | Amount | Interest rate | Annual percentage yield1 | Interest rate with bundle rewards2 | APY with bundle rewards2 |
|---|---|---|---|---|---|
Rates Effective: 06-09-2023 Learn more about business certificates of deposit1 Annual percentage yield subject to change. 2 Additional products and services are required to qualify for the bundle rewards rate. Please see an OnPoint representative for more information or click here. 3 Subsequent deposits of $100 minimum each are allowed on certificates of deposit with terms of 3, 6, 12, 18, or 24 months. All deposits exclude promotional offerings unless otherwise stated. 4 Booster rate certificate of deposit. You may elect to adjust your rate, based on the rate currently offered for this account, once during the original term of the certificate of deposit. Booster rate feature excludes promotional rate offers. | |||||
CD term 3 months3 | Amount $1,000+ | Interest rate 0.50% | Annual percentage yield1 0.50% | Interest rate with bundle rewards2 0.75% | APY with bundle rewards2 0.75% |
CD term 6 months3 | Amount $1,000+ | Interest rate 0.75% | Annual percentage yield1 0.75% | Interest rate with bundle rewards2 1.00% | APY with bundle rewards2 1.00% |
CD term 12 months3 | Amount $1,000+ | Interest rate 1.24%4 | Annual percentage yield1 1.25% | Interest rate with bundle rewards2 1.49% | APY with bundle rewards2 1.50% |
CD term 18 months3 | Amount $1,000+ | Interest rate 1.29%4 | Annual percentage yield1 1.30% | Interest rate with bundle rewards2 1.54% | APY with bundle rewards2 1.55% |
CD term 24 months3 | Amount $1,000+ | Interest rate 1.34%4 | Annual percentage yield1 1.35% | Interest rate with bundle rewards2 1.59% | APY with bundle rewards2 1.60% |
CD term 36 months | Amount $1,000+ | Interest rate 1.39% | Annual percentage yield1 1.40% | Interest rate with bundle rewards2 1.64% | APY with bundle rewards2 1.65% |
CD term 48 months | Amount $1,000+ | Interest rate 1.44% | Annual percentage yield1 1.45% | Interest rate with bundle rewards2 1.69% | APY with bundle rewards2 1.70% |
CD term 60 months | Amount $1,000+ | Interest rate 1.49% | Annual percentage yield1 1.50% | Interest rate with bundle rewards2 1.74% | APY with bundle rewards2 1.75% |
Interest Rates and Charges | Annual Percentage Rate (APR)1 |
|---|---|
Rates Effective: 06-09-2023 See important information about rates and fees Learn more about business platinum Visa® with rewards1 APR will vary with the market based on the prime rate. 2 Penalty APR – this APR may be applied when:
How long will the penalty apply? If your APR is increased for any of these reasons, the penalty APR will apply until you make six consecutive minimum payments when due. Grace period for repayment of purchase balance: 25 days Method of computing the balance for purchases: Average daily balance method (including new purchases) | |
Interest Rates and Charges Purchases | Annual Percentage Rate (APR)1 14.00% - 24.50% depending on your creditworthiness. |
Interest Rates and Charges Balance transfers | Annual Percentage Rate (APR)1 16.00% - 26.50% depending on your creditworthiness. |
Interest Rates and Charges Cash advances | Annual Percentage Rate (APR)1 16.00% - 26.50% depending on your creditworthiness. |
Interest Rates and Charges Penalty | Annual Percentage Rate (APR)1 3.0% above current interest rate.2 |
Available terms | Annual percentage rate (APR), fixed1 | Estimated minimum monthly payment | |
|---|---|---|---|
Rates Effective: 06-09-2023 Learn more about business auto loansAll 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. New and used auto loan rates available on passenger-type vehicles only. For new/used auto model years 2013 and newer, maximum LTV may vary depending on credit history and factors specific to your loan. LTV is calculated using Kelley Blue Book retail value, MSRP, or purchase price, whichever is lowest. Vehicles meeting OnPoint’s green auto discount standards receive a 0.25% discount off stated APR. Discount does not apply to existing OnPoint auto loans or promotional rates. *APR=Annual percentage rate
Alternative terms and additional conditions may apply when aggregate debt exceeds $50,000. | |||
New auto | Available terms 36-60 months | Annual percentage rate (APR), fixed1 6.49% - 9.94% | Estimated minimum monthly payment $295.89 based on a 60 month, $15,000 loan at 6.84% APR* |
New auto | Available terms 72 months | Annual percentage rate (APR), fixed1 6.74% - 10.39% | Estimated minimum monthly payment $256.38 based on a 72 month, $15,000 loan at 7.09% APR* |
New auto | Available terms 84 months2 | Annual percentage rate (APR), fixed1 6.99% - 10.64% | Estimated minimum monthly payment $230.37 based on an 84 month, $15,000 loan at 7.54% APR* |
New auto | Available terms 96 months2 | Annual percentage rate (APR), fixed1 7.74% - 12.24% | Estimated minimum monthly payment $362.89 based on a 96 month, $25,000 loan at 8.74% APR* |
Used auto | Available terms 36-60 months | Annual percentage rate (APR), fixed1 6.64% - 10.34% | Estimated minimum monthly payment $298.01 based on a 60 month, $15,000 loan at 7.14 APR* |
Used auto | Available terms 72 months2 | Annual percentage rate (APR), fixed1 6.89% - 10.69% | Estimated minimum monthly payment $258.55 based on a 72 month, $15,000 loan at 7.39% APR* |
Used auto | Available terms 84 months2 | Annual percentage rate (APR), fixed1 7.34% - 11.99% | Estimated minimum monthly payment $234.09 based on an 84 month, $15,000 loan at 8.04% APR* |
Business specialty vehicle3 | Available terms Up to 60 months | Annual percentage rate (APR), fixed1 11.49% - 13.49% | Estimated minimum monthly payment $109.94 based on a 60 month, $5,000 loan at 11.49% APR* |
Available terms | Annual percentage rate (APR) | Estimated minimum monthly payment | |
|---|---|---|---|
Rates Effective: 06-09-2023 Learn more about small business lines of credit and term loans*APR=Annual percentage rate 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.
| |||
Available terms Up to 60 Months | Annual percentage rate (APR) 11.00% - 16.00% fixed rate1 | Estimated minimum monthly payment $470.57 based on a 5-year, $20,000 loan at 14.50% APR* | |
Available terms N/A | Annual percentage rate (APR) 12.25% - 14.25% variable rate2 | Estimated minimum monthly payment 2% of outstanding balance or $25, whichever is greater | |
Rates Effective: 06-09-2023 Learn more about commercial operating lines of credit, term loans and real estate | |
Get customized operating lines of credit designed just for your business. Please visit a branch to learn more. | |
Our term loans are a great option for working capital needs and equipment acquisitions. Please visit a branch to learn more. | |
We offer competitive rates and terms for the purchase or refinance of commercial real estate. Please visit a branch to learn more. | |
Rates Effective: 06-09-2023 For more information please refer to the Business Membership & Account Agreement. | |
Account research | $25.00 per hour |
ACH Transfers (within Business Online Banking) | $10.00 per month |
ATM Withdrawal (No charge for OnPoint, MoneyPass, or CO-OP ATMs) | $2.00 per transaction |
Same Day Bill Payment | $12.95 per item |
Overnight Check Bill Payment | $12.95 per item |
Business Account Paper Statement Fee | $2.00 per statement cycle |
Card Replacement (charged only when the number of replacement requests are | $5.00 per card |
Postage Handling for Card/PIN Rush Delivery | |
Domestic | $35.00 per item sent |
International | $65.00 per item sent |
Cash Order (Coin & Currency) | $5.00 |
Check Printing | Prices vary based on style |
Check Processing Fee | |
Business Checking | $0.10 (first 200 per month free) |
Business Interest Checking | $0.10 (first 200 per month free) |
Analyzed Checking | $0.15 |
Check Sent for Collections | |
Domestic | $20.00 per check |
International ($250.00 US dollar equivalent minimum) | $75.00 per check |
Foreign Fund Check | No charge |
Foreign Check in US Currency (all countries, including Canada) | $5.00 per item |
Foreign Returned Item | $30.00 per item |
Garnishment/Levy Fee | $50.00 per garnishment/levy |
Legal Process Fee | $75.00 each |
Lobby Coin Deposit Fees | |
Non-member – any amount | 15% |
Monthly Service Fee | |
Interest Checking (if below $500 average monthly balance) | $7.00 per month |
Analyzed Checking | $10.00 per month |
Overdraft Fee (item paid) | |
OnPoint will not charge an overdraft fee if your account is overdrawn $10 or less. The maximum overdraft fees that can be charged in one day is $60. | $20.00 |
Payment by Phone (Debit Card or ACH) | $15.00 per request |
Photo Copies | |
Transaction Slip (Visa Card) | $12.00 per item |
Remote Deposit Capture | $30.00 per month |
Returned Deposit Item | $15.00 per check or ACH |
Small Business Line of Credit Annual Fee | $50.00 |
Special Item Handling | Prices vary based on request |
Stop Payment (including payments made through Bill Payment) | $25.00 per item |
Verification of Deposit/Loan | $25.00 per request |
Visa Foreign Transaction | Up to 1% of transaction amount |
Wire Transfers | |
Incoming (all) | $8.00 per wire |
Domestic (outgoing) | $20.00 per wire |
Foreign (outgoing - foreign currency) | $40.00 per wire |
Foreign (outgoing - US dollars) | $40.00 per wire |
Zipper Bag (first item free) | $4.00 |
per wire | fee |
|---|---|
Rates Effective: 06-09-2023 | |
per wire Incoming (all) | fee $8.00 |
per wire Domestic (outgoing) | fee $20.00 |
per wire Foreign (outgoing) | fee $40.00 |
Card | Type | Fees |
|---|---|---|
Rates Effective: 06-09-2023 | ||
Card Business platinum Visa® with rewards | Type Annual fees | Fees $25 (for each card number issued) |
Card | Type Late payment fee | Fees $30 for balances > $1,000; |
Card | Type Over-the-credit-limit fee | Fees $30 |
Card | Type Foreign transaction fee | Fees Up to 1% of the U.S. dollar amount of the foreign transaction |
Card | Type Minimum payment | Fees 2% of outstanding balance or $10, whichever is greater |
Card | Type Returned payment fee: | Fees $25 |
Card | Type Card replacement fee | Fees $5 |