Personal rates & fees

OnPoint Checking
OnPoint Checking

Minimum to open

Interest rate

Annual percentage yield

Minimum balance to avoid service fees

Monthly service fee if below minimum balance

Rates Effective: 07-21-2024

Minimum to open

$50

Interest rate

N/A

Annual percentage yield

N/A

Minimum balance to avoid service fees

N/A

Monthly service fee if below minimum balance

N/A

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: 07-21-2024

Learn more about interest checking

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

HSA Checking
HSA Checking

Deposit amount

Interest rate

Annual percentage yield1

Minimum balance to avoid service fees2

Monthly service fee if below minimum balance2

Rates Effective: 07-21-2024

Learn more about HSA checking

1 Annual percentage yield subject to change.
2 $25 annual fee assessed each year on October 15.

Deposit amount

$0 - $24,999

Interest rate

0.05%

Annual percentage yield1

0.05%

Minimum balance to avoid service fees2

N/A

Monthly service fee if below minimum balance2

N/A

Deposit amount

$25,000 and higher

Interest rate

0.05%

Annual percentage yield1

0.05%

Minimum balance to avoid service fees2

N/A

Monthly service fee if below minimum balance2

N/A

Regular Savings and IRA Savings
Regular Savings and IRA Savings

Type

Interest rate

Annual percentage yield1

Minimum balance

Rates Effective: 07-21-2024

* Rate and annual percentage yield also apply to Teachers Deposit Fund (TDF).

1 Annual percentage yield subject to change.

Type

Regular & secondary savings*

Interest rate

0.10%

Annual percentage yield1

0.10%

Minimum balance

$5

Type

IRA savings

Interest rate

0.15%

Annual percentage yield1

0.15%

Minimum balance

$0

OnPoint Savers® Account
OnPoint Savers® Account

Deposit amount

Interest rate

Annual percentage yield1

Minimum balance

Rates Effective: 07-21-2024

Rates subject to change. Stated APY is for balances up to $500; balances of $500.01 and higher earn posted Regular Savings Account rate. Account must be established for members age 17 or younger by parent or guardian with a minimum $25 deposit. 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 Regular 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 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.

The full account balance APY is calculated by combining the 5.00% APY earnings on the first $500 with the standard APY on the remaining balance above $500.

1 Annual percentage yield subject to change.

Deposit amount

$5 - $500

Interest rate

4.89%

Annual percentage yield1

5.00%

Minimum balance

$5

Deposit amount

$500.01 and higher

Interest rate

0.10%

Annual percentage yield1

0.10%

Minimum balance

Premium Bundle Rewards Savings
Premium Bundle Rewards Savings

Deposit amount

Interest rate

Annual percentage yield1

Minimum balance

Rates Effective: 07-21-2024

Learn more about premium bundle rewards savings
  1. Premium Bundle Rewards Savings account rates are variable, may change after the account is opened, and are subject to change.

Premium Bundle Rewards 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 Premium Bundle Rewards Savings Account per member/TIN.

For additional important information and disclosures, please review our Premium Bundle Rewards Savings Terms and Conditions, E-Sign Consent, and Truth in Savings disclosure.

Additional products and services are required to qualify for the Premium Bundle Rewards Savings Account. Please click here for more information about Bundle Rewards.

Deposit amount

$0 - $100,000

Interest rate

5.13%

Annual percentage yield1

5.25%

Minimum balance

$0

Deposit amount

$100,000.01 and higher

Interest rate

3.69%

Annual percentage yield1

3.75%

Minimum balance

$0

Bundle Rewards Savings
Bundle Rewards Savings

Deposit amount

Interest rate

Annual percentage yield1

Minimum balance

Rates Effective: 07-21-2024

Learn more about bundle rewards savings

Additional products and services are required to qualify for the 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 yield1

0.35%

Minimum balance

$0

Deposit amount

$50,000 - $99,999.99

Interest rate

0.35%

Annual percentage yield1

0.35%

Minimum balance

$0

Deposit amount

$100,000 - $249,999.99

Interest rate

0.35%

Annual percentage yield1

0.35%

Minimum balance

$0

Deposit amount

$250,000 and higher

Interest rate

0.35%

Annual percentage yield1

0.35%

Minimum balance

$0

FlexSmart Money Market
FlexSmart Money Market

Deposit amount

Interest rate

Annual percentage yield1

Minimum balance

Rates Effective: 07-21-2024

Learn more about FlexSmart money market

1 Annual percentage yield subject to change.

Deposit amount

$0-4,999.99

Interest rate

0.15%

Annual percentage yield1

0.15%

Minimum balance

$0

Deposit amount

$5,000-$9,999.99

Interest rate

0.15%

Annual percentage yield1

0.15%

Minimum balance

$0

Deposit amount

$10,000-$49,999.99

Interest rate

0.15%

Annual percentage yield1

0.15%

Minimum balance

$0

Deposit amount

$50,000-$99,999.99

Interest rate

0.15%

Annual percentage yield1

0.15%

Minimum balance

$0

Deposit amount

$100,000

Interest rate

0.15%

Annual percentage yield1

0.15%

Minimum balance

$0

Money Market IRA
Money Market IRA

Deposit amount

Interest rate

Annual percentage yield1

Minimum balance

Rates Effective: 07-21-2024

Learn more about money market IRA

1 Annual percentage yield subject to change.

Deposit amount

$0-$9,999.99

Interest rate

0.20%

Annual percentage yield1

0.20%

Minimum balance

$0

Deposit amount

$10,000-$24,999.99

Interest rate

0.20%

Annual percentage yield1

0.20%

Minimum balance

$0

Deposit amount

$25,000-$49,999.99

Interest rate

0.20%

Annual percentage yield1

0.20%

Minimum balance

$0

Deposit amount

$50,000-$99,999.99

Interest rate

0.20%

Annual percentage yield1

0.20%

Minimum balance

$0

Deposit amount

$100,000-$249,999.99

Interest rate

0.20%

Annual percentage yield1

0.20%

Minimum balance

$0

Deposit amount

$250,000 and higher

Interest rate

0.20%

Annual percentage yield1

0.20%

Minimum balance

$0

Certificates of Deposit
Certificates of Deposit

CD term

Amount

Interest rate

Annual percentage yield1

Interest rate with bundle rewards2

APY with bundle rewards2

Rates Effective: 07-21-2024

Learn more about certificates of deposit

1 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. For minors 17 years of age or younger opening a 3, 6, 12, 18, or 24 month certificate of deposit, the minimum balance requirement is $100.00 and subsequent deposits ($100 minimum each) are allowed. All deposits exclude promotional offerings unless otherwise stated.

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. Booster Rate applies to Certificate of Deposits opened prior to May 1, 2023.

CD term

3 months3

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%

CD term

6 months3

Amount

$1,000

Interest rate

1.74%

Annual percentage yield1

1.75%

Interest rate with bundle rewards2

1.99%

APY with bundle rewards2

2.01%

CD term

12 months3

Amount

$1,000

Interest rate

2.23%

Annual percentage yield1

2.25%

Interest rate with bundle rewards2

2.48%

APY with bundle rewards2

2.51%

CD term

18 months3

Amount

$1,000

Interest rate

2.28%

Annual percentage yield1

2.30%

Interest rate with bundle rewards2

2.53%

APY with bundle rewards2

2.56%

CD term

24 months3

Amount

$1,000

Interest rate

2.33%

Annual percentage yield1

2.36 %

Interest rate with bundle rewards2

2.58%

APY with bundle rewards2

2.61%

CD term

36 months

Amount

$1,000

Interest rate

2.37%

Annual percentage yield1

2.40%

Interest rate with bundle rewards2

2.62%

APY with bundle rewards2

2.65%

CD term

48 months

Amount

$1,000

Interest rate

2.42%

Annual percentage yield1

2.45%

Interest rate with bundle rewards2

2.67%

APY with bundle rewards2

2.70%

CD term

60

months

Amount

$1,000

Interest rate

2.47%

Annual percentage yield1

2.50%

Interest rate with bundle rewards2

2.72%

APY with bundle rewards2

2.75%

Traditional & Roth IRA Certificates of Deposit
Traditional & Roth IRA Certificates of Deposit

CD term1

Amount

Interest rate

Annual percentage yield2

Interest rate with bundle rewards3

APY with bundle rewards3

Rates Effective: 07-21-2024

Learn more about traditional & Roth IRA certificates of deposit

1 Subsequent deposits can be made on traditional and Roth IRA certificates of deposit.

2 Annual percentage yield subject to change.

3 Additional products and services are required to qualify for the bundle rewards rate. Please see an OnPoint representative for more information or click here.

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. Booster Rate applies to Certificate of Deposits opened prior to May 1, 2023.

CD term1

3 months

Amount

$1,000

Interest rate

1.54%

Annual percentage yield2

1.55%

Interest rate with bundle rewards3

1.79%

APY with bundle rewards3

1.80%

CD term1

6 months

Amount

$1,000

Interest rate

1.79%

Annual percentage yield2

1.80%

Interest rate with bundle rewards3

2.04%

APY with bundle rewards3

2.06%

CD term1

12 months

Amount

$1,000

Interest rate

2.28%

Annual percentage yield2

2.30%

Interest rate with bundle rewards3

2.53%

APY with bundle rewards3

2.56%

CD term1

18 months

Amount

$1,000

Interest rate

2.33%

Annual percentage yield2

2.36%

Interest rate with bundle rewards3

2.58%

APY with bundle rewards3

2.61%

CD term1

24 months

Amount

$1,000

Interest rate

2.38%

Annual percentage yield2

2.41%

Interest rate with bundle rewards3

2.63%

APY with bundle rewards3

2.66%

CD term1

36 months

Amount

$1,000

Interest rate

2.42%

Annual percentage yield2

2.45%

Interest rate with bundle rewards3

2.67%

APY with bundle rewards3

2.70%

CD term1

48 months

Amount

$1,000

Interest rate

2.47%

Annual percentage yield2

2.50%

Interest rate with bundle rewards3

2.72%

APY with bundle rewards3

2.75%

CD term1

60 months

Amount

$1,000+

Interest rate

2.52%

Annual percentage yield2

2.55%

Interest rate with bundle rewards3

2.77%

APY with bundle rewards3

2.81%

Signature Visa® with Cash Back Rewards
Signature Visa® with Cash Back Rewards

Interest rates and charges

Introductory Annual Percentage Rate (APR)

Annual Percentage Rate (APR)1

Rates Effective: 07-21-2024

See important information about rates and fees Learn more about Signature Visa® with cash back rewards

1 APR will vary with the market based on the prime rate.

How to avoid paying interest on purchases: Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers on the transaction date.

For credit card tips from the Consumer Financial Protection Bureau: To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at https://www.consumerfinance.gov/learnmore.

How we will calculate your balance: We use a method called “average daily balance” (including new purchases). See your account agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

Interest rates and charges

Purchases

Introductory Annual Percentage Rate (APR)

2.99% introductory APR for 6 months from account opening

Annual Percentage Rate (APR)1

15.25% - 25.75% depending on your creditworthiness

Interest rates and charges

Balance transfers

Introductory Annual Percentage Rate (APR)

4.99% introductory APR for 12 months from account opening

Annual Percentage Rate (APR)1

17.25% - 27.75% depending on your creditworthiness

Interest rates and charges

Cash advances

Introductory Annual Percentage Rate (APR)

N/A

Annual Percentage Rate (APR)1

17.25% - 27.75% depending on your creditworthiness

Signature Visa® with Rewards
Signature Visa® with Rewards

Interest rates and charges

Introductory Annual Percentage Rate (APR)

Annual Percentage Rate (APR)1

Rates Effective: 07-21-2024

See important information about rates and fees Learn more about Signature Visa® with rewards

1 APR will vary with the market based on the prime rate.

How to avoid paying interest on purchases: Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers on the transaction date.

For credit card tips from the Consumer Financial Protection Bureau: To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at https://www.consumerfinance.gov/learnmore.

How we will calculate your balance: We use a method called “average daily balance” (including new purchases). See your account agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

Interest rates and charges

Purchases

Introductory Annual Percentage Rate (APR)

2.99% introductory APR for 6 months from account opening

Annual Percentage Rate (APR)1

15.25% - 25.75% depending on your creditworthiness

Interest rates and charges

Balance transfers

Introductory Annual Percentage Rate (APR)

4.99% introductory APR for 12 months from account opening

Annual Percentage Rate (APR)1

17.25% - 27.75% depending on your creditworthiness

Interest rates and charges

Cash advances

Introductory Annual Percentage Rate (APR)

N/A

Annual Percentage Rate (APR)1

17.25% - 27.75% depending on your creditworthiness

Platinum Visa® with Rewards
Platinum Visa® with Rewards

Interest rates and charges

Introductory Annual Percentage Rate (APR)

Annual Percentage Rate (APR)1

Rates Effective: 07-21-2024

See important information about rates and fees Learn more about Platinum Visa® with rewards

1 APR will vary with the market based on the prime rate.

How to avoid paying interest on purchases: Your due date is at least 25 days after the close of each billing cycle. We will not charge any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers on the transaction date.

For credit card tips from the Consumer Financial Protection Bureau: To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at https://www.consumerfinance.gov/learnmore.

How we will calculate your balance: We use a method called “average daily balance” (including new purchases). See your account agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

Interest rates and charges

Purchases

Introductory Annual Percentage Rate (APR)

3.99% introductory APR for 6 months from account opening

Annual Percentage Rate (APR)1

14.25% - 24.75% based on creditworthiness

Interest rates and charges

Balance transfers

Introductory Annual Percentage Rate (APR)

6.99% introductory APR for 12 months from account opening

Annual Percentage Rate (APR)1

16.25% - 26.75% based on creditworthiness

Interest rates and charges

Cash advances

Introductory Annual Percentage Rate (APR)

N/A

Annual Percentage Rate (APR)1

16.25% - 26.75% based on creditworthiness

Platinum Visa®
Platinum Visa®

Interest rates and charges

Introductory Annual Percentage Rate (APR)

Annual Percentage Rate (APR)1

Rates Effective: 07-21-2024

See important information about rates and fees Learn more about Platinum Visa®

1 APR will vary with the market based on the prime rate.

How to avoid paying interest on purchases: Your due date is approximately 25 days after the close of each billing cycle. We will not charge any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers on the transaction date.

For credit card tips from the Consumer Financial Protection Bureau: To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at https://www.consumerfinance.gov/learnmore.

How we will calculate your balance: We use a method called “average daily balance” (including new purchases). See your account agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

Interest rates and charges

Purchases

Introductory Annual Percentage Rate (APR)

3.99% introductory APR for 6 months from account opening

Annual Percentage Rate (APR)1

13.25% - 23.75% based on creditworthiness

Interest rates and charges

Balance transfers

Introductory Annual Percentage Rate (APR)

6.99% introductory APR for 12 months from account opening

Annual Percentage Rate (APR)1

15.25% - 25.75% based on creditworthiness

Interest rates and charges

Cash advances

Introductory Annual Percentage Rate (APR)

N/A

Annual Percentage Rate (APR)1

15.25% - 25.75% based on creditworthiness

Mortgage Purchase Rates
Mortgage Purchase Rates

Terms

Rate

Annual percentage
rate (APR)

Points

1-month payment*

Learn more about mortgage purchase loans View mortgage refinance rates

The annual percentage rates (APRs) for the 30 Year Fixed, 15 Year Fixed, and 5 Year adjustable rate loans are calculated based on a purchase of single family, owner occupied residence with a down payment of 25%, a loan amount of $412,500.00, and a property located in Multnomah County, Oregon.

The annual percentage rates (APRs) for the Homeroom and Just for Starters fixed rate loans are calculated based on a purchase of a single family, owner occupied residence with a purchase price and loan amount of $550,000.00 and located in Multnomah County, Oregon.

The annual percentage rates (APRs) for the 30 year jumbo fixed rate and 5/5 jumbo ARM are calculated based on a purchase of a single family, owner occupied residence with a down payment of 25%, a loan amount of $750,000, and a property located in Multnomah County, Oregon.

The APR includes the approximate cost of prepaid finance charges, including 15 days of prepaid interest, a $795.00 origination fee, and any applicable points associated with the interest rate. Actual APRs for individual loans may differ.

All loan applications are subject to credit and property approval.

The payments shown include only principal and interest. Certain loan products may require an escrow account for property taxes and insurance which will be added to the monthly payment amount.

These mortgage rates are based upon a variety of assumptions and conditions, some of which may include a credit score of 780 or higher. Your loan’s interest rate will depend on specific characteristics of your transaction and your credit profile up to the time of closing.

Adjustable rate mortgage (ARM) interest rates and payments are subject to change during the loan term. That change can increase or decrease your monthly payment.

If your down payment or equity is less than 20% mortgage insurance may be required, which will increase the monthly payment and APR.

Assumes no other loans or liens on subject property.

Property and/or flood hazard insurance may be required.

Maximum loan limits may apply.

Additional rates and programs are available.

Interest rates and APRs are subject to change without notice.

Terms

30 year fixed rate

Rate

6.500%

Annual percentage
rate (APR)

6.569%

Points

0.125%

1-month payment*

$2,607.28

Terms

30 year jumbo fixed rate

Rate

6.500%

Annual percentage
rate (APR)

6.596%

Points

0.500%

1-month payment*

$4,740.51

Terms

15 year fixed rate

Rate

5.875%

Annual percentage
rate (APR)

6.025%

Points

0.375%

1-month payment*

$3,453.11

Terms

Homeroom

Rate

7.750%

Annual percentage
rate (APR)

7.849%

Points

0.500%

1-month payment*

$3,940.27

Terms

Just for Starters

Rate

7.750%

Annual percentage
rate (APR)

7.849%

Points

0.500%

1-month payment*

$3,940.27

Terms

5/5 ARM

Rate

6.375%

Annual percentage
rate (APR)

6.780%

Points

0.500%

1-month payment*

$2,573.46

Terms

5/5 jumbo ARM

Rate

6.375%

Annual percentage
rate (APR)

6.770%

Points

0.500%

1-month payment*

$4,679.02

Terms

Rates effective:

Rate

July 18, 2024

Annual percentage
rate (APR)

Points

1-month payment*

Mortgage Refinance Rates
Mortgage Refinance Rates

Terms

Rate

Annual percentage
rate (APR)

Points

1-month payment*

Learn more about mortgage refinance loans View mortgage purchase rates

The annual percentage rates (APRs) for the 30 Year Fixed, 15 Year Fixed, and 5 year adjustable rate loans are calculated based on the mortgage no cash-out refinance of a single family, owner occupied residence with a loan-to-value (LTV) of 75%, a loan amount of $412,500.00, and a property located in Multnomah County, Oregon.

The annual percentage rates (APRs) for the Homeroom fixed rate loans are calculated based on the mortgage no cash-out refinance of a single family, owner occupied residence with a loan amount of $550,000.00 and located in Multnomah County, Oregon.

The annual percentage rates (APRs) for the 30 year jumbo fixed rate and 5/5 jumbo ARM are calculated based on the mortgage no cash-out refinance of a single family, owner occupied residence with a loan-to-value (LTV) of 75%, a loan amount of $750,000, and a property located in Multnomah County, Oregon.

The APR includes the approximate cost of prepaid finance charges, including 15 days of prepaid interest, a $795.00 origination fee, and any applicable points associated with the interest rate. Actual APRs for individual loans may differ.

All loan applications are subject to credit and property approval.

The payments shown include only principal and interest. Certain loan products may require an escrow account for property taxes and insurance which will be added to the monthly payment amount.

These mortgage rates are based upon a variety of assumptions and conditions, some of which may include a credit score of 780 or higher. Your loan’s interest rate will depend on specific characteristics of your transaction and your credit profile up to the time of closing.

Adjustable rate mortgage (ARM) interest rates and payments are subject to change during the loan term. That change can increase or decrease your monthly payment.

If your equity is less than 20% mortgage insurance may be required, which will increase the monthly payment and APR.

Assumes no other loans or liens on subject property.

Property and/or flood hazard insurance may be required.

Maximum loan limits may apply.

Additional rates and programs are available.

Interest rates and APRs are subject to change without notice.

Terms

30 year fixed rate

Rate

6.500%

Annual percentage
rate (APR)

6.582%

Points

0.250%

1-month payment*

$2,607.28

Terms

30 year jumbo fixed rate

Rate

6.500%

Annual percentage
rate (APR)

6.596%

Points

0.500%

1-month payment*

$4,740.51

Terms

15 year fixed rate

Rate

5.875%

Annual percentage
rate (APR)

6.023%

Points

0.375%

1-month payment*

$3,453.11

Terms

Homeroom

Rate

7.750%

Annual percentage
rate (APR)

7.849%

Points

0.500%

1-month payment*

$3,940.27

Terms

5/5 ARM

Rate

6.375%

Annual percentage
rate (APR)

6.793%

Points

0.625%

1-month payment*

$2,573.46

Terms

5/5 jumbo ARM

Rate

6.375%

Annual percentage
rate (APR)

6.770%

Points

0.500%

1-month payment*

$4,679.02

Terms

Rates effective:

Rate

July 18, 2024

Annual percentage
rate (APR)

Points

1-month payment*

Home Equity Options
Home Equity Options

Type

Maximum Loan-to-Value1

Available Terms

Annual Percentage Rate2 (APR)

Estimated Minimum Monthly Payment

Rates Effective: 07-21-2024

Learn more about home equity lines of credit

EquityFlex Lines of Credit have a maximum 30-year term with a 10-year draw period and a 20-year repayment period. All EquityFlex Lines of Credit include a $75 Annual Fee during the draw period, which is waived the first year. There is no Annual Fee during the repayment period. Property insurance is always required and flood insurance is required where necessary. Certain property types are not eligible collateral. Borrower pays closing costs and third party fees, which range between $125 -$2500 (estimate). This includes flood certification, appraisal, title insurance, lien and encumbrance report, lien recording fee, and escrow fees if required. Upon payoff/closure, there will be a Deed of Trust reconveyance fee. Please refer to the Personal Fee Schedule at the time of payoff/closure for the current amount due.

1 Loan approval is subject to credit approval and program guidelines. Maximum loan to value, maximum amount financed, and applicable margin are subject to equity value and OnPoint’s credit and underwriting requirements. Maximum amount for fixed portions are determined by the EquityFlex Line of Credit limit. For EquityFlex Line of Credit with LTV over 80%, the amount financed may not exceed $50,000. For EquityFlex Interest Only Line of Credit, the amount financed may not exceed $150,000.

2 EquityFlex Line of Credit rates are variable and based on The Wall Street Journal Prime Rate plus a margin of 0% – 2.75%, depending on occupancy, LTV, and creditworthiness. The APR will vary with the Prime Rate. Rates are subject to change without notice. The 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 the next business day if the 10th falls on a weekend).

3 Estimated minimum monthly payment is for the draw period only. The repayment period is subject to change.

4Not to exceed 30 years from the origination date of EquityFlex Line of Credit.

5 OnPoint’s fixed rates are subject to change without notice.

6 You may convert all or a portion of your outstanding variable-rate EquityFlex Line of Credit balance to a fixed rate balance resulting in
fixed monthly payments at a fixed interest rate. The APR will be set equal to the standard EquityFlex Fixed Portion rate at the time of
conversion. The fixed portion amount must be at least $5,000 and no more than the total existing line of credit limit. There is no fee to
convert a line of credit to a fixed portion or to convert a fixed portion back to a line of credit.

Bundle Rewards Discount. Borrowers who are eligible for Bundle rewards receive 0.25% off of the APR (Annual Percentage Rate) for fixed rate portions of EquityFlex loans when converted. The discount does not apply to the variable APR. Setting up and maintaining 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.

Solar Panel Discount. Fixed Portion Options with proceeds used to purchase solar panels receive a 0.25% discount off stated APR. The discount does not apply to Streamline First Lien Fixed Portion Option or existing OnPoint EquityFlex fixed portions. A review of the purchase order or invoice is required to qualify. The discount applies to invoice/purchase order amount, not to exceed $12,000.

Type

EquityFlexTM Line of Credit

Maximum Loan-to-Value1

Up to 80% LTV

Available Terms

10-year draw period, 20-year amortization period

Annual Percentage Rate2 (APR)

8.50% - 9.00%
Variable APR

Estimated Minimum Monthly Payment

1.5% of outstanding balance or $25, whichever is greater3

Type

Maximum Loan-to-Value1

80.01% - 100% LTV

Available Terms

10-year draw period, 20-year amortization period

Annual Percentage Rate2 (APR)

10.50% - 11.00%
Variable APR

Estimated Minimum Monthly Payment

1.5% of outstanding balance or $25, whichever is greater3

Type

EquityFlexTM Interest Only Line of Credit

Maximum Loan-to-Value1

Up to 80% LTV

Available Terms

10-year draw period, 20-year amortization period

Annual Percentage Rate2 (APR)

8.50% - 9.00%

Variable APR

Estimated Minimum Monthly Payment

Accrued interest on balance owed or $25, which ever is greater3

Type

EquityFlexTM Fixed Portion Option6

Maximum Loan-to-Value1

Up to 80% LTV

Available Terms

5 - 20 years4

Annual Percentage Rate2 (APR)

7.25% - 8.00%
Fixed APR5

Estimated Minimum Monthly Payment

$ 329.45 based on a 15-year, $35,000 loan at 7.75% APR

Type

Maximum Loan-to-Value1

80.01% - 100% LTV

Available Terms

10 - 15 years4

Annual Percentage Rate2 (APR)

10.50% - 10.75%
Fixed APR5

Estimated Minimum Monthly Payment

$ 224.19 based on a 15-year, $20,000 loan at 10.75% APR

Type

EquityFlexTM Fixed Portion Option - in first lien position6

Maximum Loan-to-Value1

Up to 80% LTV

Available Terms

5 - 20 years4

Annual Percentage Rate2 (APR)

6.25% - 7.00% Fixed APR5

Estimated Minimum Monthly Payment

$ 309.72 based on a 15-year, $35,000 loan at 6.75% APR

Type

Non-Owner Occupied EquityFlexTM Line of Credit

Maximum Loan-to-Value1

Up to 65% LTV

Available Terms

10-year draw period, 20-year amortization period

Annual Percentage Rate2 (APR)

10.75% - 11.25%
Variable APR2

Estimated Minimum Monthly Payment

1.5% of outstanding balance or $25, whichever is greater3

Type

Non-Owner Occupied Fixed Portion Option6

Maximum Loan-to-Value1

Up to 65% LTV

Available Terms

10 - 20 years4

Annual Percentage Rate2 (APR)

9.75% - 10.25%
Fixed APR5

Estimated Minimum Monthly Payment

$376.11 based on a 15-year, $35,000 loan at 10.00% APR

Auto Loans
Auto Loans

Type

Available terms

Annual percentage rate (fixed)1

Estimated minimum monthly payment

Rates Effective: 07-21-2024

Learn more about auto loans

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.

For auto model years 2014 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 (annual percentage rate). Discount does not apply to existing OnPoint auto loans or promotional rates.

*APR=Annual percentage rate

  1. Bundle rewards – Receive 0.25% off consumer fixed APR (annual percentage rate) loans. Additional products and services are required to qualify for bundle rewards. Please see an OnPoint representative for more information or click here.
  2. 72-month term for model years 2014-2017 requires minimum $12,000 loan amount. 84-month term requires minimum $15,000 loan amount. 96-month term requires minimum $25,000 loan amount.
  3. For auto model years 2013 and older and other titled vehicles, maximum LTV is 100% unless otherwise noted. Other titled vehicles includes (but not limited to) ATVs, jet skis, and cargo trailers. LTV calculated using Kelley Blue Book retail value, NADA high value, MSRP, or purchase price, whichever is lowest. Subject to credit approval and collateral evaluation.

Type

Cars, trucks, vans - new (2021 and newer)

Available terms

36-60 months

Annual percentage rate (fixed)1

6.49% - 9.94%

Estimated minimum monthly payment

$295.89 based on a 60 month, $15,000 loan at 6.84% APR*

Type

Cars, trucks, vans - new (2021 and newer)

Available terms

72 months

Annual percentage rate (fixed)1

6.74% - 10.39%

Estimated minimum monthly payment

$256.38 based on a 72 month, $15,000 loan at 7.09% APR*

Type

Cars, trucks, vans - new (2021 and newer)

Available terms

84 months2

Annual percentage rate (fixed)1

6.99% - 10.64%

Estimated minimum monthly payment

$230.37 based on an 84 month, $15,000 loan at 7.54% APR*

Type

Cars, trucks, vans - new (2021 and newer)

Available terms

96 months2

Annual percentage rate (fixed)1

7.74% - 12.24%

Estimated minimum monthly payment

$362.89 based on a 96 month, $25,000 loan at 8.74% APR*

Type

Cars, trucks, vans - used (2014-2020)

Available terms

36-60 months

Annual percentage rate (fixed)1

6.64% - 10.34%

Estimated minimum monthly payment

$298.01 based on a 60 month, $15,000 loan at 7.14 APR*

Type

Cars, trucks, vans - used (2014-2020)

Available terms

72 months2

Annual percentage rate (fixed)1

6.89% - 10.69%

Estimated minimum monthly payment

$258.55 based on a 72 month, $15,000 loan at 7.39% APR*

Type

Cars, trucks, vans - used (2018-2020)

Available terms

84 months2

Annual percentage rate (fixed)1

7.34% - 11.99%

Estimated minimum monthly payment

$234.09 based on an 84 month, $15,000 loan at 8.04% APR*

Type

Auto 2013 and older, other titled vehicles3

Available terms

Up to 60 months

Annual percentage rate (fixed)1

11.49% - 13.49%

Estimated minimum monthly payment

$109.94 based on a 60 month, $5,000 loan at 11.49% APR*

Motorcycle, Boat & RV Loans
Motorcycle, Boat & RV Loans

Type

Available terms1

Annual percentage rate (Fixed)2

Estimated minimum monthly payment

Rates Effective: 07-21-2024

Learn more about motorcycle, boat & RV loans

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.

For new and used motorcycle, boat and RVs, maximum LTV is 100% unless otherwise noted.

1 Maximum loan term determined by loan amount and collateral. Maximum term for motorcycles (any amount) is 60 months. For boat and RV: $10,000 or less loan amount has a maximum loan term of 60 months, $10,000 – $50,000 loan amount has a maximum loan term of 120 months, and loan amounts over $50,000 have a maximum loan term of 180 months.

2 Bundle rewards: Receive 0.25% off consumer fixed APR (annual percentage rate) loans. This offer excludes the refinance of existing OnPoint loans. Additional products and services are required to qualify for bundle rewards. Please see an OnPoint representative for more information or click here.

3 For motorcycle, boat and RV model years 2012 and older and other titled vehicles, maximum LTV is 100% unless otherwise noted. Other titled vehicles includes (but not limited to) ATVs, jet skis, and cargo trailers. LTV calculated using Kelley Blue Book retail value, NADA high value, or purchase price, whichever is lowest. Subject to credit approval and collateral evaluation.

Type

Motorcycles, boats and RVs
new (2023 and 2024)

Available terms1

60 months

Annual percentage rate (Fixed)2

9.49%- 12.99%

Estimated minimum monthly payment

$217.37 based on a 60 month, $10,000 loan at 10.99% APR

Type

Boats and RVs
new (2023 and 2024)

Available terms1

120 months

Annual percentage rate (Fixed)2

10.49% - 13.99%

Estimated minimum monthly payment

$ 215.12 based on a 120 month, $15,000 loan at 11.99% APR

Type

Boats and RVs
new (2023 and 2024)

Available terms1

180 months

Annual percentage rate (Fixed)2

11.49% - 14.99%

Estimated minimum monthly payment

$758.75 based on a 180 month, $60,000 loan at 12.99% APR

Type

Motorcycles, boats and RVs
used (2015-2022)

Available terms1

60 months

Annual percentage rate (Fixed)2

9.99% - 13.49%

Estimated minimum monthly payment

$219.88 based on a 60 month, $10,000 loan at 11.49% APR

Type

Boats and RVs
used (2015-2022)

Available terms1

120 months

Annual percentage rate (Fixed)2

10.99% - 14.49%

Estimated minimum monthly payment

$219.48 based on a 120 month, $15,000 loan at 12.49% APR

Type

Boats and RVs
used (2015-2022)

Available terms1

180 months

Annual percentage rate (Fixed)2

11.99% - 15.49%

Estimated minimum monthly payment

$778.59 based on a 180 month, $60,000 loan at 13.49% APR

Type

Motorcycles, boats and RVs
2014 and older, other titled vehicles3

Available terms1

Up to 60 months

Annual percentage rate (Fixed)2

11.49% - 13.49%

Estimated minimum monthly payment

$109.94 based on a 60 month, $5,000 loan at 11.49% APR

Personal loans and other Loans
Personal loans and other Loans

Type

Available terms

Annual percentage rate

Estimated minimum monthly payment

Rates Effective: 07-21-2024

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 Bundle rewards – Receive 0.25% off consumer fixed APR (annual percentage rate) loans, with the exception of Payday Advantage loans. This offer excludes the refinance of existing OnPoint loans. 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 8/10/23, Prime Rate is 8.50%. personal line of credit includes $24 annual fee. Personal line of credit minimum $100 limit, not to exceed $25,000.

3 Personal loan minimum amount $100, not to exceed $25,000.

4 Savings and CD secured loan or line of credit minimum amount $100, not to exceed pledged amount on savings or CD balance.

5 Payday advantage loan amount limited to 20% of gross monthly income, up to a maximum of $600. Minimum loan amount is $200. Payment is due in two monthly payments of equal amounts. Limited to no more than three payday advantage loans within the past six months.

Type

Personal line of credit

Available terms

N/A

Annual percentage rate

18.50% - 20.50% variable rate1, 2

Estimated minimum monthly payment

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

Type

Personal loan3

Available terms

Up to 60 Months

Annual percentage rate

11.00% - 16.00% fixed rate1

Estimated minimum monthly payment

$270.76 based on a 4-year, $10,000 loan at 13.50% APR

Type

Savings or CD secured loan or line of credit4

Available terms

N/A

Annual percentage rate

Pledged account interest rate plus 3.00%1

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

Type

Payday advantage loan

Available terms

See terms and conditions5

Annual percentage rate

12.00% fixed rate

Estimated minimum monthly payment

Two payments of $152.28 based on a $300 payday advance at 12.00%

Account Balance Requirements
Account Balance Requirements

Requirements

Fee

Rates Effective: 07-21-2024

Requirements

Savings accounts – minimum balance required to maintain an active membership

Fee

$5.00

Requirements

OnPoint checking, access checking accounts – minimum opening deposit

Fee

$50.00

Monthly Service Fees
Monthly Service Fees

Monthly service fee

Fee

Rates Effective: 07-21-2024

Monthly service fee

Interest checking (if below $500 average monthly balance)

Fee

$7.00

Card Fees
Card Fees

Type

Fees

Rates Effective: 07-21-2024

Type

ATM withdrawal (no charge for OnPoint, MoneyPass or CO-OP ATMs, free with interest checking)

Fees

$2.00

Type

Card replacement (first replacement per year is free)

Fees

$5.00

Type

Visa foreign transaction

Fees

Up to 1% of transaction amount

Online Banking Fees
Online Banking Fees

Type

Fee

Rates Effective: 07-21-2024

Type

Same day bill payment

Fee

$12.95

Type

Overnight check bill payment

Fee

$12.95

Returned Funds Fees
Returned Funds Fees

Type

Fee

Rates Effective: 07-21-2024

Type

Check sent for collections - domestic (per check)

Fee

$20.00

Type

Check sent for collections - international (per check, $250.00 US equivalent minimum)

Fee

$75.00

Type

Returned deposit item (per check or ACH)

Fee

No charge

Type

Foreign returned item (per item)

Fee

$30.00

Type

NSF fee (items returned unpaid)

Fee

No charge

Type

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.

Fee

$20.00

Loan Fees
Loan Fees

Type

Fees

Rates Effective: 07-21-2024

Type

EquityFlex line of credit annual fee

Fees

$75

Type

Personal line of credit annual fee

Fees

$24.00

Type

Deed of trust reconveyance fee Oregon

Fees

$130.00

Type

Deed of trust reconveyance fee Washington

Fees

$353.00

Type

Loan subordination fee (per request)

Fees

$150.00

Type

Mortgage reamortization fee

Fees

$250.00

Type

Verification of deposit/loan (per request)

Fees

$25.00

Type

Skip pay (when offered, per loan)

Fees

$35.00

Foreign Currency Fees
Foreign Currency Fees

Type

Fees

Rates Effective: 07-21-2024

Type

Foreign check in US currency (including Canada)

Fees

$5.00 per item

Type

Foreign fund check

Fees

No charge

Type

Foreign Currency Exchange to US Dollars

Fees

$15.00

Type

Foreign Currency Expedited Delivery

Fees

Type

Standard Overnight External

Fees

$15.00

Type

Standard Overnight Branch

Fees

$25.00

Type

Foreign Currency Expedited Delivery (priority overnight) External/Branch

Fees

$30.00

Wire Transfer Fees (per wire)
Wire Transfer Fees (per wire)

Type

Fee

Rates Effective: 07-21-2024

Type

Incoming (all)

Fee

$8.00

Type

Domestic (outgoing)

Fee

$20.00

Type

Foreign (outgoing - foreign currency)

Fee

$40.00

Type

Foreign (outgoing - US dollars)

Fee

$40.00

Lobby Coin Deposit Fee
Lobby Coin Deposit Fee

Lobby Coin Deposit

Fee

Rates Effective: 07-21-2024

Lobby Coin Deposit

Non-members – any amount

Fee

15%

Research and Legal Fees
Research and Legal Fees

Type

Fee

Rates Effective: 07-21-2024

Type

Account research (per hour)

Fee

$25.00

Type

Garnishment/levy fee (per order)

Fee

$50.00

Type

Legal process fee

Fee

$75.00

Type

Photocopies of transaction slip (Visa, per item)

Fee

$12.00

Miscellaneous Fees
Miscellaneous Fees

Type

Fees

Rates Effective: 07-21-2024

Type

Check printing (first order free with interest checking)

Fees

Varies

Type

HSA checking (annual fee)

Fees

$25.00

Type

Payment by phone (excluding OnPoint credit card)

Fees

$15.00

Type

Special item handling

Fees

Prices vary based on request

Type

Stop payment (including payments made through bill payment)

Fees

$25.00

Credit Card Fees
Credit Card Fees

Card

Type

Fees

Rates Effective: 07-21-2024

Card

Signature Visa® with cash back rewards

Type

Annual fee

Fees

None

Card

Type

Foreign transaction fee

Fees

None

Card

Type

Late payment fee

Fees

Up to $25

Card

Type

Returned payment fee

Fees

$25

Card

Type

Card replacement fee

Fees

$5

Card

Signature Visa® with rewards

Type

Annual fee

Fees

None

Card

Type

Foreign transaction fee

Fees

None

Card

Type

Late payment fee

Fees

Up to $25

Card

Type

Returned payment fee

Fees

$25

Card

Type

Card replacement fee

Fees

$5

Card

Platinum Visa® with rewards

Type

Annual fee

Fees

None

Card

Type

Foreign transaction fee

Fees

Up to 1% of the US dollar amount of the foreign transaction

Card

Type

Late payment fee

Fees

Up to $25

Card

Type

Returned payment fee

Fees

$25

Card

Type

Card replacement fee

Fees

$5

Card

Platinum Visa®

Type

Annual fee

Fees

None

Card

Type

Foreign transaction fee

Fees

Up to 1% of the US dollar amount of the foreign transaction

Card

Type

Late payment fee

Fees

Up to $25

Card

Type

Returned payment fee

Fees

$25

Card

Type

Card replacement fee

Fees

$5

This Fee Schedule sets forth current conditions, rates, fees and charges applicable to your Savings, Checking, IRA, TDF and Certificate of Deposit Accounts at OnPoint at this time. The Credit Union may offer other rates and fees or amend the rates and fees contained in this schedule from time to time. Each account holder agrees to the terms set forth on this Fee Schedule and acknowledges that it is a part of the Membership and Account Agreement.

Note: Email should not be used to share important or sensitive information.

The security and privacy of your information is important to us. When communicating with us via email please do not send any information that is considered confidential or sensitive in nature. If you need to communicate any personal information (account numbers, social security number, etc.) please feel free to call the number listed in my profile or contact OnPoint Member Services at 503.228.7077 or 800.527.3932.

 

 

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