Personal Rates & Fees

Checking
Checking

Minimum to Open

Interest Rate

Annual Percentage Yield

Minimum Balance to Avoid Service Fees

Monthly Service Fee if Below Minimum Balance

Rates Effective: 06-20-2019

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

1 You must enroll in eStatements within the first 30 days of account opening or conversion. If you do not enroll, or if you subsequently discontinue eStatements after commitment, the account will convert to Basic Checking and will be subject to all applicable fees and service charges.

2 Waived if under 18 years of age.

Basic Checking

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

eChecking1

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

Access Account

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

$72

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: 06-20-2019

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

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: 06-20-2019

Learn more about HSA checking

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

1 Annual Percentage Yield subject to change.
2 $25 annual fee will be charged on the anniversary date of your plan.

Deposit Amount

$0 - $2,500

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

$2,500 - $9,999.99

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

$10,000 - $24,999.99

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

0.10%

Annual Percentage Yield1

0.10%

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

Interest Rate

Annual Percentage Yield1

Minimum Balance

Minimum Balance to Earn Interest

Rates Effective: 06-20-2019

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

* Rate and Annual Percentage Yield also apply to Teachers Deposit Fund (TDF).

1 Annual Percentage Yield subject to change.

Regular Savings*

Interest Rate

0.05%

Annual Percentage Yield1

0.05%

Minimum Balance

$5

Minimum Balance to Earn Interest

$5

IRA Savings

Interest Rate

0.05%

Annual Percentage Yield1

0.05%

Minimum Balance

$0.01

Minimum Balance to Earn Interest

$0

OnPoint Savers Account
OnPoint Savers Account

Deposit Amount

Interest Rate

Annual Percentage Yield1

Minimum Balance

Rates Effective: 06-20-2019

Account must be established for member age 17 or younger by parent or guardian with a minimum $25 deposit. When primary attains the age of 18, account will be converted to a Regular Saving account, earning that account’s published APY at the time.

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

1 Annual Percentage Yield subject to change.

Deposit Amount

$5.00 - $500.00

Interest Rate

4.89%

Annual Percentage Yield1

5.00%

Minimum Balance

$5.00

Deposit Amount

$500.01 and higher

Interest Rate

0.05%

Annual Percentage Yield1

0.05%

Minimum Balance

Bundle Rewards Savings
Bundle Rewards Savings

Deposit Amount

Interest Rate

Annual Percentage Yield1

Rates Effective: 06-20-2019

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.

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

1 Annual Percentage Yield subject to change.

Deposit Amount

$0 - $49,999.99

Interest Rate

1.00%

Annual Percentage Yield1

1.00%

Deposit Amount

$50,000 - $99,999.99

Interest Rate

1.14%

Annual Percentage Yield1

1.15%

Deposit Amount

$100,000 - $249,999.99

Interest Rate

1.29%

Annual Percentage Yield1

1.30%

Deposit Amount

$250,000 and higher

Interest Rate

1.49%

Annual Percentage Yield1

1.50%

FlexSmart Money Market
FlexSmart Money Market

Deposit Amount

Interest Rate

Annual Percentage Yield1

Rates Effective: 06-20-2019

Learn more about FlexSmart Money Market

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

1 Annual Percentage Yield subject to change.

Deposit Amount

$0-4,999.99

Interest Rate

0.05%

Annual Percentage Yield1

0.05%

Deposit Amount

$5,000-$9,999.99

Interest Rate

0.05%

Annual Percentage Yield1

0.05%

Deposit Amount

$10,000-$49,999.99

Interest Rate

0.10%

Annual Percentage Yield1

0.10%

Deposit Amount

$50,000-$99,999.99

Interest Rate

0.15%

Annual Percentage Yield1

0.15%

Deposit Amount

$100,000+

Interest Rate

0.20%

Annual Percentage Yield1

0.20%

Money Market IRA
Money Market IRA

Deposit Amount

Interest Rate

Annual Percentage Yield1

Minimum Balance

Monthly Service Fee if Below Minimum Balance

Rates Effective: 06-20-2019

Learn more about Money Market IRA

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

1 Annual Percentage Yield subject to change.

Deposit Amount

$0-$9,999.99

Interest Rate

0.05%

Annual Percentage Yield1

0.05%

Minimum Balance

$0

Monthly Service Fee if Below Minimum Balance

$0

Deposit Amount

$10,000-$24,999.99

Interest Rate

0.10%

Annual Percentage Yield1

0.10%

Minimum Balance

$0

Monthly Service Fee if Below Minimum Balance

$0

Deposit Amount

$25,000-$49,999.99

Interest Rate

0.10%

Annual Percentage Yield1

0.10%

Minimum Balance

$0

Monthly Service Fee if Below Minimum Balance

$0

Deposit Amount

$50,000-$99,999.99

Interest Rate

0.15%

Annual Percentage Yield1

0.15%

Minimum Balance

$0

Monthly Service Fee if Below Minimum Balance

$0

Deposit Amount

$100,000-$249,999.99

Interest Rate

0.20%

Annual Percentage Yield1

0.20%

Minimum Balance

$0

Monthly Service Fee if Below Minimum Balance

$0

Deposit Amount

$250,000 and higher

Interest Rate

0.25%

Annual Percentage Yield1

0.25%

Minimum Balance

$0

Monthly Service Fee if Below 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: 06-20-2019

Learn more about Certificates of Deposit

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

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.

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 - $49,000

Interest Rate

1.49%

Annual Percentage Yield1

1.50%

Interest Rate with Bundle Rewards2

1.74%

APY with Bundle Rewards2

1.75%

CD Term

3 months3

Amount

$50,000+

Interest Rate

1.74%

Annual Percentage Yield1

1.75%

Interest Rate with Bundle Rewards2

1.98%

APY with Bundle Rewards2

2.00%

CD Term

6 months3

Amount

$1,000 - $49,000

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

$50,000+

Interest Rate

1.74%

Annual Percentage Yield1

1.75%

Interest Rate with Bundle Rewards2

1.98%

APY with Bundle Rewards2

2.00%

CD Term

12 months3

Amount

$1,000 - $49,000

Interest Rate

1.49%4

Annual Percentage Yield1

1.50%

Interest Rate with Bundle Rewards2

1.74%

APY with Bundle Rewards2

1.75%

CD Term

12 months3

Amount

$50,000+

Interest Rate

1.74%4

Annual Percentage Yield1

1.75%

Interest Rate with Bundle Rewards2

1.98%

APY with Bundle Rewards2

2.00%

CD Term

18 months3

Amount

$1,000 - $49,000

Interest Rate

1.69%4

Annual Percentage Yield1

1.70%

Interest Rate with Bundle Rewards2

1.94%

APY with Bundle Rewards2

1.95%

CD Term

18 months3

Amount

$50,000+

Interest Rate

1.94%4

Annual Percentage Yield1

1.95%

Interest Rate with Bundle Rewards2

2.18%

APY with Bundle Rewards2

2.20%

CD Term

24 months3

Amount

$1,000 - $49,000

Interest Rate

1.89%4

Annual Percentage Yield1

1.90%

Interest Rate with Bundle Rewards2

2.13%

APY with Bundle Rewards2

2.15%

CD Term

24 months3

Amount

$50,000+

Interest Rate

2.13%4

Annual Percentage Yield1

2.15%

Interest Rate with Bundle Rewards2

2.38%

APY with Bundle Rewards2

2.40%

CD Term

36 months

Amount

$1,000 - $49,000

Interest Rate

1.94%

Annual Percentage Yield1

1.95%

Interest Rate with Bundle Rewards2

2.18%

APY with Bundle Rewards2

2.20%

CD Term

36 months

Amount

$50,000+

Interest Rate

2.18%

Annual Percentage Yield1

2.20%

Interest Rate with Bundle Rewards2

2.43%

APY with Bundle Rewards2

2.45%

CD Term

48 months

Amount

$1,000 - $49,000

Interest Rate

1.94%

Annual Percentage Yield1

1.95%

Interest Rate with Bundle Rewards2

2.18%

APY with Bundle Rewards2

2.20%

CD Term

48 months

Amount

$50,000+

Interest Rate

2.18%

Annual Percentage Yield1

2.20%

Interest Rate with Bundle Rewards2

2.43%

APY with Bundle Rewards2

2.45%

Annual Withdrawal Certificate of Deposit
Annual Withdrawal Certificate of Deposit

CD Term

Amount

Interest Rate

Annual Percentage Yield1

Interest Rate with Bundle Rewards2

APY with Bundle Rewards2

Minimum Balance to Open

Rates Effective: 06-20-2019

Learn more about Annual Withdrawal Certificate of Deposit

View our Annual Withdrawal CD Truth-In-Savings disclosure for additional information.

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.

CD Term

60 months

Amount

$1,000 - $49,000

Interest Rate

2.28%

Annual Percentage Yield1

2.30%

Interest Rate with Bundle Rewards2

2.52%

APY with Bundle Rewards2

2.55%

Minimum Balance to Open

$5,000

CD Term

60 months

Amount

$50,000+

Interest Rate

2.52%

Annual Percentage Yield1

2.55%

Interest Rate with Bundle Rewards2

2.77%

APY with Bundle Rewards2

2.80%

Minimum Balance to Open

$5,000

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: 06-20-2019

Learn more about Traditional & Roth IRA Certificates of Deposit

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

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.

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 Term1

3 months

Amount

$1,000 - $49,000

Interest Rate

1.49%

Annual Percentage Yield2

1.50%

Interest Rate with Bundle Rewards3

1.74%

APY with Bundle Rewards3

1.75%

CD Term1

3 months

Amount

$50,000+

Interest Rate

1.74%

Annual Percentage Yield2

1.75%

Interest Rate with Bundle Rewards3

1.98%

APY with Bundle Rewards3

2.00%

CD Term1

6 months

Amount

$1,000 - $49,000

Interest Rate

1.49%

Annual Percentage Yield2

1.50%

Interest Rate with Bundle Rewards3

1.74%

APY with Bundle Rewards3

1.75%

CD Term1

6 months

Amount

$50,000+

Interest Rate

1.74%

Annual Percentage Yield2

1.75%

Interest Rate with Bundle Rewards3

1.98%

APY with Bundle Rewards3

2.00%

CD Term1

12 months4

Amount

$1,000 - $49,000

Interest Rate

1.49%4

Annual Percentage Yield2

1.50%

Interest Rate with Bundle Rewards3

1.74%

APY with Bundle Rewards3

1.75%

CD Term1

12 months4

Amount

$50,000+

Interest Rate

1.74%4

Annual Percentage Yield2

1.75%

Interest Rate with Bundle Rewards3

1.98%

APY with Bundle Rewards3

2.00%

CD Term1

18 months4

Amount

$1,000 - $49,000

Interest Rate

1.69%4

Annual Percentage Yield2

1.70%

Interest Rate with Bundle Rewards3

1.94%

APY with Bundle Rewards3

1.95%

CD Term1

18 months4

Amount

$50,000+

Interest Rate

1.94%4

Annual Percentage Yield2

1.95%

Interest Rate with Bundle Rewards3

2.18%

APY with Bundle Rewards3

2.20%

CD Term1

24 months4

Amount

$1,000 - $49,000

Interest Rate

1.89%4

Annual Percentage Yield2

1.90%

Interest Rate with Bundle Rewards3

2.13%

APY with Bundle Rewards3

2.15%

CD Term1

24 months4

Amount

$50,000+

Interest Rate

2.13%4

Annual Percentage Yield2

2.15%

Interest Rate with Bundle Rewards3

2.38%

APY with Bundle Rewards3

2.40%

CD Term1

36 months

Amount

$1,000 - $49,000

Interest Rate

1.94%

Annual Percentage Yield2

1.95%

Interest Rate with Bundle Rewards3

2.18%

APY with Bundle Rewards3

2.20%

CD Term1

36 months

Amount

$50,000+

Interest Rate

2.18%

Annual Percentage Yield2

2.20%

Interest Rate with Bundle Rewards3

2.43%

APY with Bundle Rewards3

2.45%

CD Term1

48 months

Amount

$1,000 - $49,000

Interest Rate

1.94%

Annual Percentage Yield2

1.95%

Interest Rate with Bundle Rewards3

2.18%

APY with Bundle Rewards3

2.20%

CD Term1

48 months

Amount

$50,000+

Interest Rate

2.18%

Annual Percentage Yield2

2.20%

Interest Rate with Bundle Rewards3

2.43%

APY with Bundle Rewards3

2.45%

CD Term1

60 months

Amount

$1,000 - $49,000

Interest Rate

2.28%

Annual Percentage Yield2

2.30%

Interest Rate with Bundle Rewards3

2.52%

APY with Bundle Rewards3

2.55%

CD Term1

60 months

Amount

$50,000+

Interest Rate

2.52%

Annual Percentage Yield2

2.55%

Interest Rate with Bundle Rewards3

2.77%

APY with Bundle Rewards3

2.80%

Platinum Visa® with Rewards
Platinum Visa® with Rewards

Interest Rates and Charges

Intro APR

APR1

Rates Effective: 06-20-2019

Learn more about Platinum Visa® with Rewards

1 APR will vary with the market based on the Prime Rate.

2 Penalty APR – This APR may be applied when:

  • Your minimum monthly payment is more than 60 days late
  • You have more than one late payment in 12 months
  • You are in default of any other terms of the Agreement

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.

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 the portion of the purchases balance that you pay by the due date each month.

For Credit Card Tips from the Consumer Financial Protection: 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) Minimum Payment: 2% of outstanding balance or $10.00, whichever is greater. We reserve the right to amend the OnPoint VISA® Credit Card Agreement as permitted by law.

Interest Rates and Charges

Purchases

Intro APR

3.99% for introductory period of 6 months

APR1

11.25% - 21.75% based on credit worthiness

Interest Rates and Charges

Balance Transfers

Intro APR

6.99% introductory APR for 12 months from account opening

APR1

13.25% - 23.75% based on credit worthiness

Interest Rates and Charges

Cash Advances

Intro APR

N/A

APR1

13.25% - 23.75% based on credit worthiness

Interest Rates and Charges

Penalty2

Intro APR

N/A

APR1

3.0% above current Interest Rate

Signature Visa® with Rewards
Signature Visa® with Rewards

Interest Rates and Charges

Intro APR

APR1

Rates Effective: 06-20-2019

Learn more about Signature Visa® with Rewards

1 APR will vary with the market based on the Prime Rate.

2 Penalty APR – This APR may be applied when:

  • Your minimum monthly payment is more than 60 days late
  • You have more than one late payment in 12 months
  • You are in default of any other terms of the Agreement

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.

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 the portion of the purchases balance that you pay by the due date each month.

For Credit Card Tips from the Consumer Financial Protection: 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). Minimum Payment: 2% of outstanding balance or $50.00, whichever is greater. We reserve the right to amend the OnPoint Signature VISA® with Rewards Credit Card Agreement as permitted by law.

Interest Rates and Charges

Purchases

Intro APR

2.99% for introductory period of 6 months

APR1

12.25% - 16.75% depending on your credit worthiness

Interest Rates and Charges

Balance Transfers

Intro APR

4.99% introductory APR for 12 months from account opening

APR1

14.25% - 18.75% depending on your credit worthiness

Interest Rates and Charges

Cash Advances

Intro APR

N/A

APR1

14.25% - 18.75% depending on your credit worthiness

Interest Rates and Charges

Penalty2

Intro APR

N/A

APR1

3.0% above current Interest Rate

Platinum Visa®
Platinum Visa®

Interest Rates and Charges

Intro APR

APR1

Rates Effective: 06-20-2019

Learn more about Platinum Visa®

1 APR will vary with the market based on the Prime Rate.

2 Penalty APR – This APR may be applied when:

  • Your minimum monthly payment is more than 60 days late
  • You have more than one late payment in 12 months
  • You are in default of any other terms of the Agreement

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.

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 the portion of the purchases balance that you pay by the due date each month.

For Credit Card Tips from the Consumer Financial Protection: 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) Minimum Payment: 2% of outstanding balance or $10.00, whichever is greater. We reserve the right to amend the OnPoint VISA® Credit Card Agreement as permitted by law.

Interest Rates and Charges

Purchases

Intro APR

3.99% for introductory period of 6 months

APR1

10.25% - 20.75% based on credit worthiness

Interest Rates and Charges

Balance Transfers

Intro APR

6.99% introductory APR for 12 months from account opening

APR1

12.25% - 22.75% based on credit worthiness

Interest Rates and Charges

Cash Advances

Intro APR

N/A

APR1

12.25% - 22.75% based on credit worthiness

Interest Rates and Charges

Penalty2

Intro APR

N/A

APR1

3.0% above current Interest Rate

Mortgage and Mortgage Refinance Loans
Mortgage and Mortgage Refinance Loans

Terms

Rate

APR*

Points

1-Month Payment*

Learn more about Mortgage and Mortgage Refinance Loans

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 $180,000.00, 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 $240,000.00 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 $500,000, 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 $745.00 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 740 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

3.750%

APR*

3.821%

Points

0.000%

1-Month Payment*

$833.61

Terms

30 Year Jumbo Fixed Rate

Rate

3.750%

APR*

3.792%

Points

0.000%

1-Month Payment*

$2,084.02

Terms

15 Year Fixed Rate

Rate

3.125%

APR*

3.247%

Points

0.000%

1-Month Payment*

$1,253.90

Terms

Homeroom

Rate

5.000%

APR*

5.069%

Points

0.000%

1-Month Payment*

$1,306.77

Terms

Just for Starters

Rate

5.000%

APR*

5.069%

Points

0.000%

1-Month Payment*

$1,306.77

Terms

5/5 ARM

Rate

3.875%

APR*

4.761%

Points

0.250%

1-Month Payment*

$846.43

Terms

5/5 Jumbo ARM

Rate

3.875%

APR*

4.710%

Points

0.000%

1-Month Payment*

$2,116.07

Home Equity Options
Home Equity Options

Maximum Loan-To-Value

Available Terms

Annual Percentage Rate1

Estimated Minimum Monthly Payment

Learn more about Home Equity Lines of Credit

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. On all home equity products Member pays closing costs, which range between $125 – $2500 (estimate). This includes flood certification, appraisal, title insurance, and escrow fees if required. Must meet OnPoint’s credit and underwriting requirements. Upon payoff/closure, a Deed of Trust reconveyance fee will be collected. Refer to the personal fee schedule at the time of payoff/closure for current amount due.

1 Rates assume a 0.50% discount for automatic payment from a qualifying OnPoint account. Bundle Rewards: Receive 0.25% off consumer fixed APR (Annual Percentage Rate) loans. This offer excludes the refinance of existing OnPoint loans. 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.

2 Maximum loan to value and maximum amount financed are subject to equity value and OnPoint’s credit and underwriting requirements. Maximum amount for fixed portions are determined by the existing line of credit limit. For EquityFlex Line of Credit with LTV over 80%, amount financed not to exceed $30,000. For EquityFlex Interest Only Line of Credit, amount financed not to exceed $100,000.

3 Line of Credit rates are variable and based on the Prime Rate plus a margin of 0% – 3.50%, depending on occupancy, LTV, and 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 1/10/19, Prime Rate is 5.50%. The maximum rate that may apply during the line of credit is 18.00% APR. All EquityFlex Lines of Credit include $25 Annual Fee, waived the first year.

4 With EquityFlex Line of Credit, you have the option of converting portions of your line of credit into a fixed rate balance. Fixed portion rates are set equal to the standard EquityFlex Fixed Portion rate at the time of conversion. OnPoint will offer a 1.00% discount on an 80% EquityFlex Fixed Portion Option when the 80% EquityFlex Line of Credit is in first lien position. The fixed portion amount must be at least $5,000 and no more than the total existing line of credit limit. $25 fee to convert line of credit to fixed portion, fee waived for the first fixed portion. $50 fee to convert fixed portion back to line of credit. Receive a 0.25% discount off stated APR when proceeds are used to purchase solar panels. Review of purchase order or invoice required to qualify. Discount applies to invoice/purchase order amount, not to exceed $12,000.

EquityFlex Line of Credit

Maximum Loan-To-Value

Up to 80% LTV2

Available Terms

10-year draw period

Annual Percentage Rate1

5.50% - 6.00%
Variable APR3

Estimated Minimum Monthly Payment

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

Maximum Loan-To-Value

80.01% - 100% LTV2

Available Terms

10-year draw period

Annual Percentage Rate1

7.50% - 8.00%
Variable APR3

Estimated Minimum Monthly Payment

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

EquityFlex Interest Only Line of Credit

Maximum Loan-To-Value

Up to 80% LTV

Available Terms

10-year draw period

Annual Percentage Rate1

5.50% - 6.00%
Variable APR3

Estimated Minimum Monthly Payment

Accrued interest on balance owed

EquityFlex Fixed Portion Option4

Maximum Loan-To-Value

Up to 80% LTV

Available Terms

5 - 20 years

Annual Percentage Rate1

5.15% - 8.70%
Fixed APR

Estimated Minimum Monthly Payment

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

Maximum Loan-To-Value

80.01% - 100% LTV

Available Terms

10 - 15 years

Annual Percentage Rate1

8.50% - 11.75%
Fixed APR

Estimated Minimum Monthly Payment

$217.99 based on a 15-year, $20,000 loan at 10.25% APR

Non-Owner Occupied EquityFlex Line of Credit

Maximum Loan-To-Value

Up to 65% LTV

Available Terms

10-year draw period

Annual Percentage Rate1

7.25% - 7.75%
Variable APR3

Estimated Minimum Monthly Payment

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

Non-Owner Occupied Fixed Portion Option4

Maximum Loan-To-Value

Up to 65% LTV

Available Terms

10 - 20 years

Annual Percentage Rate1

7.25% - 10.45%
Fixed APR

Estimated Minimum Monthly Payment

$344.66 based on a 15-year, $35,000 loan at 8.50% APR

Auto Loans
Auto Loans

Available Terms

Annual Percentage Rate (Fixed)1

Estimated Minimum Monthly Payment

Rates Effective: 06-20-2019

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 2009 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 EPA Smartway Elite standards receive a 0.25% discount off stated APR. Discount does not apply to existing OnPoint auto loans or promotional rates.

1 Rates assume a 0.50% discount for automatic payment from a qualifying OnPoint account. Bundle Rewards – Receive 0.25% off consumer fixed APR (Annual Percentage Rate) loans. This offer excludes the refinance of existing OnPoint loans. 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.

2 New and Used Auto 84-month term requires $15,000 minimum loan amount.

3 Maximum LTV for Cargo Vehicles is 90%.

4 For auto model years 2008 and older and other titled vehicles, maximum LTV is 80% 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.

Cars, Trucks, Vans - New (2016-2019)

Available Terms

36-60 months

Annual Percentage Rate (Fixed)1

3.74% - 7.19%

Estimated Minimum Monthly Payment

$276.86 based on a 60 month, $15,000 loan at 4.09% APR

Cars, Trucks, Vans - New (2016-2019)

Available Terms

72 months

Annual Percentage Rate (Fixed)1

4.04% - 7.69%

Estimated Minimum Monthly Payment

$237.35 based on a 72 month, $15,000 loan at 4.39% APR

Cars, Trucks, Vans - New (2016-2019)

Available Terms

84 months2

Annual Percentage Rate (Fixed)1

4.64% - 8.29%

Estimated Minimum Monthly Payment

$213.35 based on an 84 month, $15,000 loan at 5.19% APR

Cars, Trucks, Vans - Used (2009-2015)

Available Terms

36-60 months

Annual Percentage Rate (Fixed)1

3.89% - 7.59%

Estimated Minimum Monthly Payment

$278.90 based on a 60 month, $15,000 loan at 4.39% APR

Cars, Trucks, Vans - Used (2013-2015)

Available Terms

72 months

Annual Percentage Rate (Fixed)1

4.19% - 7.99%

Estimated Minimum Monthly Payment

$239.42 based on a 72 month, $15,000 loan at 4.69% APR

Cars, Trucks, Vans - Used (2013-2015)

Available Terms

84 months2

Annual Percentage Rate (Fixed)1

4.79% - 5.49%

Estimated Minimum Monthly Payment

$215.48 based on an 84 month, $15,000 loan at 5.49% APR

Cargo Vehicle - New3
(2016-2019)

Available Terms

36-60 months

Annual Percentage Rate (Fixed)1

4.74% - 8.19%

Estimated Minimum Monthly Payment

$283.69 based on a 60 month, $15,000 loan at 5.09% APR

Cargo Vehicle - New3
(2016-2019)

Available Terms

72 months

Annual Percentage Rate (Fixed)1

5.04% - 8.69%

Estimated Minimum Monthly Payment

$244.30 based on a 72 month, $15,000 loan at 5.39% APR

Cargo Vehicle - Used3
(2009-2015)

Available Terms

36-60 months

Annual Percentage Rate (Fixed)1

4.89% - 8.59%

Estimated Minimum Monthly Payment

$285.76 based on a 60 month, $15,000 loan at 5.39% APR

Cargo Vehicle - Used3
(2013-2015)

Available Terms

72 months

Annual Percentage Rate (Fixed)1

5.19% - 8.99%

Estimated Minimum Monthly Payment

$246.40 based on a 72 month, $15,000 loan at 5.69% APR

Auto 2008 and older, other titled vehicles4

Available Terms

Up to 60 months

Annual Percentage Rate (Fixed)1

8.50% -9.50%

Estimated Minimum Monthly Payment

$123.30 based on a 48 month, $5,000 loan at 8.50% APR

 

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

Available Terms1

Annual Percentage Rate (Fixed)2

Estimated Minimum Monthly Payment

Rates Effective: 06-20-2019

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 90% 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 Rates assume a 0.50% discount for automatic payment from a qualifying OnPoint account. Bundle Rewards: Receive 0.25% off consumer fixed APR (Annual Percentage Rate) loans. This offer excludes the refinance of existing OnPoint loans. 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.

3 For motorcycle, boat and RV model years 2009 and older and other titled vehicles, maximum LTV is 80% 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.

Motorcycles, Boats and RVs
New (2018 & 2019)

Available Terms1

60 months

Annual Percentage Rate (Fixed)2

4.94% - 8.44%

Estimated Minimum Monthly Payment

$293.07 based on a 60 month, $15,000 loan at 6.44% APR

Boats and RVs
New (2018 & 2019)

Available Terms1

120 months

Annual Percentage Rate (Fixed)2

5.14% - 8.64%

Estimated Minimum Monthly Payment

$171.39 based on a 120 month, $15,000 loan at 6.64% APR

Boats and RVs
New (2018 & 2019)

Available Terms1

180 months

Annual Percentage Rate (Fixed)2

5.44% - 8.94%

Estimated Minimum Monthly Payment

$134.32 based on a 180 month, $15,000 loan at 6.94% APR

Motorcycles, Boats and RVs
Used (2010 - 2017)

Available Terms1

60 months

Annual Percentage Rate (Fixed)2

5.44% - 8.94%

Estimated Minimum Monthly Payment

$296.59 based on a 60 month, $15,000 loan at 6.94% APR

Boats and RVs
Used (2010 - 2017)

Available Terms1

120 months

Annual Percentage Rate (Fixed)2

5.64% - 9.14%

Estimated Minimum Monthly Payment

$175.25 based on a 120 month, $15,000 loan at 7.14% APR

Boats and RVs
Used (2010 - 2017)

Available Terms1

180 months

Annual Percentage Rate (Fixed)2

5.94% - 9.44%

Estimated Minimum Monthly Payment

$138.54 based on a 180 month, $15,000 loan at 7.44% APR

Motorcycles, Boats and RVs
2009 and older, other titled vehicles3

Available Terms1

Up to 60 months

Annual Percentage Rate (Fixed)2

8.50% - 9.50%

Estimated Minimum Monthly Payment

$123.30 based on a 48 month, $5,000 loan at 8.50% APR

Other Loans
Other Loans

Available Terms

Annual Percentage Rate1

Estimated Minimum Monthly Payment

Rates Effective: 06-20-2019

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 Rates assume a 0.50% discount for automatic payment from a qualifying OnPoint account. (Payday Advantage loan discount is 2.00% for automatic payment.) Bundle Rewards – Receive 0.25% off consumer fixed APR (Annual Percentage Rate) loans. This offer excludes the refinance of existing OnPoint loans. 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.

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 1/10/19, Prime Rate is 5.50%. Personal Line of Credit includes $24 Annual Fee. Personal Line of Credit minimum $100 limit, not to exceed $25,000.

3 Personal Loan amount not to exceed $25,000.

4 Savings and CD Secured Loan or Line of Credit limited to pledged amount on savings or CD balance.

5 Payday Advantage Loan amount limited to 20% of member’s paycheck or $600, whichever is less. Payment is due within five days of next payday, not to exceed one month. Limited to no more than six Payday Advantage Loans in a twelve month rolling period. Interest rate assumes 2.00% discount for automatic payment from a qualifying OnPoint account.

Personal Line of Credit

Available Terms

N/A

Annual Percentage Rate1

15.50% - 17.50% Variable Rate2

Estimated Minimum Monthly Payment

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

Personal Loan3

Available Terms

Up to 60 Months

Annual Percentage Rate1

10.00% - 16.00% Fixed Rate

Estimated Minimum Monthly Payment

$265.80 based on a 4-year, $10,000 loan at 12.50% APR

Savings or CD Secured Loan or Line of Credit4

Available Terms

N/A

Annual Percentage Rate1

Pledged account interest rate plus 3.00%

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

Payday Advantage Loan

Available Terms

See Terms and Conditions5

Annual Percentage Rate1

12.00% Fixed Rate

Estimated Minimum Monthly Payment

$302.96 single payment based on a $300 payday advance at 12.00%

Membership Fees
Membership Fees

Rates Effective: 06-20-2019

Membership Fee (one time fee, waived if under 18)

$10.00

Minimum Balance Required to Maintain an Active Membership

$5.00

Checking Minimum Opening Deposit
Checking Minimum Opening Deposit

Rates Effective: 06-20-2019

Basic Checking, eChecking, Access Account

$50.00

Monthly Service Fees
Monthly Service Fees

Rates Effective: 06-20-2019

Interest Checking (if below $500 average monthly balance)

$7.00

Access Account (waived if under 18)

$7.00

Card Fees
Card Fees

Rates Effective: 06-20-2019

ATM Withdrawal/Inquiry (No charge for OnPoint, MoneyPass or CO-OP ATMs, Free with Interest Checking)

$2.00

Card Replacement (First replacement per year is free)

$5.00

Postage Handling for Card/Pin Rush Delivery (Domestic)

$25.00

Postage Handling for Card/Pin Rush Delivery (International)

$65.00

Visa Gift Card Purchase Fee

$4.95

Visa Foreign Transaction

Up to 1% of transaction amount

Online Banking Fees
Online Banking Fees

Rates Effective: 06-20-2019

Online Banking

Free

Bill Payment monthly fee (first 3 months waived, free with Interest Checking and eChecking)

$3.95

Same Day Bill Payment

$12.95

Overnight Check Bill Payment

$12.95

Popmoney Express Delivery (per transfer)

$3.00

Popmoney Standard Delivery

Free

Returned Funds Fees
Returned Funds Fees

Rates Effective: 06-20-2019

Check sent for Collections - Domestic (per check)

$20.00

Check Sent for Collections -International (per check, $250.00 US equivalent minimum)

$75.00

Returned Deposit Item (per check or ACH)

$15.00

Foreign Returned Item (per item)

$30.00

NSF Fee (items returned)

$30.00

Overdraft Fee (item paid)

$30.00

Overdraft Transfer Service (per transfer,1st each month refunded)

$3.00

Loan Fees
Loan Fees

Rates Effective: 06-20-2019

EquityFlex Line of Credit Annual Fee

$25.00

Fixed Portion Fee (waived for the first fixed portion)

$25.00

Fixed Portion Conversion to Line of Credit

$50.00

Personal Line of Credit Annual Fee

$24.00

Deed of Trust Reconveyance Fee (Oregon)

$123.00

Deed of Trust Reconveyance Fee (Washington)

$146.00

Loan Subordination Fee (per request)

$150.00

Rate Reduction/Modification (Auto Loan)

$150.00

Verification of Deposit/Loan (per request)

$25.00

Skip Pay (when offered, per loan)

$35.00

Foreign Currency Fees
Foreign Currency Fees

Rates Effective: 06-20-2019

Foreign Fund Check

Free

Foreign Check in US Currency (including Canada)

$5.00

Foreign Currency Exchange (orders under $300 US dollars)

$10.00

Foreign Currency Exchange (orders over $300 US dollars)

Free

Foreign Currency Expedited Delivery (standard overnight)

$10.00

Foreign Currency Expedited Delivery (priority overnight)

$15.00

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

Rates Effective: 06-20-2019

Incoming (all)

$8.00

Domestic (outgoing)

$20.00

Foreign (outgoing)

$40.00

Research and Legal Fees
Research and Legal Fees

Rates Effective: 06-20-2019

Account Research (per hour)

$25.00

Garnishment/Levy Fee (per order)

$50.00

Legal Process Fee

$75.00

Photocopies of Statements, Checks, Transaction Slip (per item)

$2.00

Photocopies of Transaction Slip (Visa, per item)

$12.00

Miscellaneous Fees
Miscellaneous Fees

Rates Effective: 06-20-2019

Cashier's Check (free with Interest Checking or when accessing OnPoint loan products)

$5.00

Check Printing (first order free with Interest Checking)

Varies

HSA Checking (annual fee on anniversary date)

$25.00

Inactive Account (per month, balances less than $150)

$5.00

Payment by Phone (Debit Card or ACH)

$15.00

Special Item Handling

Prices vary based on request

Stop Payment (including payments made through Bill Payment)

$25.00

Unknown Address (per month)

$5.00

Credit Card Fees
Credit Card Fees

Card

Type

Fees

Rates Effective: 06-20-2019

Card

Signature Visa® with Rewards

Type

Annual Fees

Fees

None

Card

Type

Foreign Transaction Fee

Fees

None

Card

Type

Late Payment Fee

Fees

$25 for balances >$1000; $20 for balances $100-$1000; $10 for balances <$100

Card

Type

Returned Check Fee

Fees

$25

Card

Type

Card Replacement Fee

Fees

$5

Card

Platinum Visa® with Rewards

Type

Annual Fees

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

$25 for balances >$1000; $20 for balances $100-$1000; $10 for balances <$100

Card

Type

Returned Check Fee

Fees

$25

Card

Type

Card Replacement Fee

Fees

$5

Card

Platinum Visa®

Type

Annual Fees

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

$25 for balances >$1000; $20 for balances $100-$1000; $10 for balances <$100

Card

Type

Returned Check 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.

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