What are the current interest rates at OnPoint Community Credit Union?

Current rates for OnPoint Community Credit Union include: Savings: 0.10%

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OnPoint Community Credit Union

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OnPoint Community Credit Union Rates & Review July 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, OnPoint Community Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: June 26, 2026

OnPoint Community Credit Union's savings rates are at 0.10%. MonitorBankRates evaluates the financial stability of OnPoint Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.75%. Rates were last updated on 06/26/2026.

OnPoint Community Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at OnPoint Community Credit Union? Share your experience about OnPoint Community Credit Union by leaving a review below, or read customer reviews before you decide to use OnPoint Community Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.75%

Excellent Lower than avg

OnPoint Community Credit Union
Montgomery Park

2701 NW Vaughn St
Portland, OR 97210

https://www.onpointcu.com

OnPoint Community Credit Union Savings Rates

Product	Rate	APY
OnPoint Business Loyalty Savings Account	0.35%	0.35%
Min Balance $0 Details Balance: $0 - $49,999.99; No monthly fee Last Updated 06/26/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
Business savings & business secondary savings	0.10%	0.10%
Min Balance $5 Details Balance: $0 - $2,499.99 Last Updated 06/26/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for OnPoint Community Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather OnPoint Community Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with OnPoint Community Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name OnPoint Community Credit Union

Website https://www.onpointcu.com

Address 2701 NW Vaughn St, Portland, OR 97210

Phone 800-527-3932

Fax 503-273-1787

President Darren Nakata

CEO Robert Stuart

Full-Time Employees 1,253

Part-Time Employees 10

Branch Locations 57

ATM Locations 58

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.75%

Return on Assets (ROA)

0.9879%

Return on Equity (ROE)

7.0682%

Non-Performing Loans Ratio (NPL)

0.87%

Total Assets

9,624,934,130

Total Amount of Shares and Deposits

8,095,746,966

Total Shares and Deposits < 1 Year

7,906,401,233

Total Shares and Deposits 1 3 Years

157,052,380

Total Shares and Deposits > 3 Years

32,293,353

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

267,186,141

Total Uninsured Shares and Deposits > $250K (F+J)

267,186,141

Total Insured Shares and Deposits > $250K (item 17 less item K)

7,828,560,825

Total Interest Expense (Sum of items 6 8)

98,411,808

Share Certificates

9,118

Number of Accounts for Share Drafts

537,877

IRA KEOGH Accounts

9,072

Number of Accounts for Regular Shares

631,722

Money Market Shares

180,698

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

2,031,408,140

Total Liabilities

8,284,610,149

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for OnPoint Community Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

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Total Reviews

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Frequently Asked Questions About OnPoint Community Credit Union

How many branches does OnPoint Community Credit Union operate?

OnPoint Community Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join OnPoint Community Credit Union?

Yes, to access services at OnPoint Community Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, OnPoint Community Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, OnPoint Community Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does OnPoint Community Credit Union offer online and mobile banking?

Most modern institutions like OnPoint Community Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.onpointcu.com.