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OnPoint Community Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: October 9, 2026
OnPoint Community Credit Union's top rates as of October 9, 2026 are 2.55% APY on its 60 Month Traditional & Roth IRA CDs of Deposit CD, 3.75% APY on savings, 3.75% APY on money market accounts, 0.05% APY on checking, 6.62% on its 15 year fixed rate mortgage, personal loans from 13.50% APR, and credit cards from 11.50% APR, according to rates verified by MonitorBankRates. Other OnPoint Community Credit Union CD rates include 48 Month Traditional & Roth IRA CDs of Deposit at 2.50%, 60 Month Business CDs of Deposit at 2.50%, and 60 Month CDs of Deposit at 2.50%. Other OnPoint Community Credit Union mortgage rates include FHA Loan at 7.12%, 30 year jumbo fixed rate at 7.25%, and 30-year fixed Home loans at 7.37%. 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 4.12%. Rates last updated and verified on 10/09/2026.
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.
OnPoint Community Credit Union has earned an overall safety grade of A+ (Exceptional, Score: 98/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
OnPoint Community Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
4.12%
ExcellentLower than avg
OnPoint Community Credit Union Texas Ratio
OnPoint Community Credit Union's Texas Ratio is 4.12%, which is considered excellent and is lower than the national average of 6.13%.
OnPoint Community Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
1.88% to 4.12% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
OnPoint Community Credit Union CD Rates
Product
Rate
APY
Term
View More
60 Month Traditional & Roth IRA Certificates of Deposit
2.52%
2.55%
60 months
Min Deposit$1,000
Min Balance$1,000
DetailsBalance: $1,000+; Interest rate with OnPoint Rewards: 2.77%; APY with OnPoint Rewards: 2.81%
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 2.55% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
48 Month Traditional & Roth IRA Certificates of Deposit
2.47%
2.50%
48 months
Min Deposit$1,000
Min Balance$1,000
DetailsInterest rate with OnPoint Rewards: 2.72%; APY with OnPoint Rewards: 2.75%
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
60 Month Certificates of Deposit
2.47%
2.50%
60 months
Min Deposit$1,000
Min Balance$1,000
DetailsInterest rate with OnPoint Rewards: 2.72%; APY with OnPoint Rewards: 2.75%
Last Updated10/09/2026
Rate History
No change since Sep 22, 2026 · 2.50% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
36 Month Traditional & Roth IRA Certificates of Deposit
2.42%
2.45%
36 months
Min Deposit$1,000
Min Balance$1,000
DetailsInterest rate with OnPoint Rewards: 2.67%; APY with OnPoint Rewards: 2.70%
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 2.45% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
48 Month Certificates of Deposit
2.42%
2.45%
48 months
Min Deposit$1,000
Min Balance$1,000
DetailsInterest rate with OnPoint Rewards: 2.67%; APY with OnPoint Rewards: 2.70%
Last Updated10/09/2026
Rate History
No change since Sep 22, 2026 · 2.45% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
24 Month Traditional & Roth IRA Certificates of Deposit
2.38%
2.41%
24 months
Min Deposit$1,000
Min Balance$1,000
DetailsInterest rate with OnPoint Rewards: 2.63%; APY with OnPoint Rewards: 2.66%
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 2.41% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
36 Month Certificates of Deposit
2.37%
2.40%
36 months
Min Deposit$1,000
Min Balance$1,000
DetailsInterest rate with OnPoint Rewards: 2.62%; APY with OnPoint Rewards: 2.65%
Last Updated10/09/2026
Rate History
No change since Sep 22, 2026 · 2.40% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
18 Month Traditional & Roth IRA Certificates of Deposit
2.33%
2.36%
18 months
Min Deposit$1,000
Min Balance$1,000
DetailsInterest rate with OnPoint Rewards: 2.58%; APY with OnPoint Rewards: 2.61%
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 2.36% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
24 Month Certificates of Deposit
2.33%
2.36%
24 months
Min Deposit$1,000
Min Balance$1,000
DetailsInterest rate with OnPoint Rewards: 2.58%; APY with OnPoint Rewards: 2.61%
Last Updated10/09/2026
Rate History
No change since Sep 22, 2026 · 2.36% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
12 Month Traditional & Roth IRA Certificates of Deposit
2.28%
2.30%
12 months
Min Deposit$1,000
Min Balance$1,000
DetailsInterest rate with OnPoint Rewards: 2.53%; APY with OnPoint Rewards: 2.56%
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 2.30% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
18 Month Certificates of Deposit
2.28%
2.30%
18 months
Min Deposit$1,000
Min Balance$1,000
DetailsInterest rate with OnPoint Rewards: 2.53%; APY with OnPoint Rewards: 2.56%
Last Updated10/09/2026
Rate History
No change since Sep 22, 2026 · 2.30% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
12 Month Certificates of Deposit
2.23%
2.25%
12 months
Min Deposit$1,000
Min Balance$1,000
DetailsInterest rate with OnPoint Rewards: 2.48%; APY with OnPoint Rewards: 2.51%
Last Updated10/09/2026
Rate History
No change since Sep 22, 2026 · 2.25% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
6 Month Traditional & Roth IRA Certificates of Deposit
1.79%
1.80%
6 months
Min Deposit$1,000
Min Balance$1,000
DetailsInterest rate with OnPoint Rewards: 2.04%; APY with OnPoint Rewards: 2.06%
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 1.80% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
6 Month Certificates of Deposit
1.74%
1.75%
6 months
Min Deposit$1,000
Min Balance$1,000
DetailsInterest rate with OnPoint Rewards: 1.99%; APY with OnPoint Rewards: 2.01%
Last Updated10/09/2026
Rate History
No change since Sep 22, 2026 · 1.75% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
3 Month Traditional & Roth IRA Certificates of Deposit
1.54%
1.55%
3 months
Min Deposit$1,000
Min Balance$1,000
DetailsInterest rate with OnPoint Rewards: 1.79%; APY with OnPoint Rewards: 1.80%
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 1.55% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
3 Month Certificates of Deposit
1.49%
1.50%
3 months
Min Deposit$1,000
Min Balance$1,000
DetailsInterest rate with OnPoint Rewards: 1.74%; APY with OnPoint Rewards: 1.75%
Last Updated10/09/2026
Rate History
No change since Sep 22, 2026 · 1.50% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
OnPoint Community Credit Union Business CD Rates
Product
Rate
APY
Term
View More
60 Month Business Certificates of Deposit
2.47%
2.50%
60 months
Min Deposit$1,000
Min Balance$1,000
DetailsBalance: $1,000+; Interest rate with OnPoint Rewards: 2.72%; APY with OnPoint Rewards: 2.75%
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
48 Month Business Certificates of Deposit
2.42%
2.45%
48 months
Min Deposit$1,000
Min Balance$1,000
DetailsInterest rate with OnPoint Rewards: 2.67%; APY with OnPoint Rewards: 2.70%
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 2.45% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
36 Month Business Certificates of Deposit
2.37%
2.40%
36 months
Min Deposit$1,000
Min Balance$1,000
DetailsInterest rate with OnPoint Rewards: 2.62%; APY with OnPoint Rewards: 2.65%
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 2.40% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
24 Month Business Certificates of Deposit
2.33%
2.36%
24 months
Min Deposit$1,000
Min Balance$1,000
DetailsInterest rate with OnPoint Rewards: 2.58%; APY with OnPoint Rewards: 2.61%
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 2.36% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
18 Month Business Certificates of Deposit
2.28%
2.30%
18 months
Min Deposit$1,000
Min Balance$1,000
DetailsInterest rate with OnPoint Rewards: 2.53%; APY with OnPoint Rewards: 2.56%
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 2.30% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
12 Month Business Certificates of Deposit
2.23%
2.25%
12 months
Min Deposit$1,000
Min Balance$1,000
DetailsInterest rate with OnPoint Rewards: 2.48%; APY with OnPoint Rewards: 2.51%
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 2.25% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
6 Month Business Certificates of Deposit
1.74%
1.75%
6 months
Min Deposit$1,000
Min Balance$1,000
DetailsInterest rate with OnPoint Rewards: 1.99%; APY with OnPoint Rewards: 2.01%
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 1.75% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
3 Month Business Certificates of Deposit
1.49%
1.50%
3 months
Min Deposit$1,000
Min Balance$1,000
DetailsInterest rate with OnPoint Rewards: 1.74%; APY with OnPoint Rewards: 1.75%
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 1.50% APY · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
OnPoint Community Credit Union Savings Rates
Product
Rate
APY
View More
OnPoint Savers Account
4.89%
5.00%
Min Deposit$25
Min Balance$5
DetailsDeposit amount: $5 - $500; 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.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
Member Savings
3.69%
3.75%
Min Balance$5
DetailsBalance: $0 - $1,000
Last Updated10/09/2026
Rate History
2 changes since Sep 18, 2026 · 3.45% → 3.75% ▲ 0.30 pts · high 3.75% / low 3.45%
Oct 9, 20263.75%▲ from 3.50%
Sep 29, 20263.50%▲ from 3.45%
Sep 18, 20263.45%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
OnPoint Premium Savings
3.69%
3.75%
Min Balance$0
DetailsQualifications Required: Six qualifying transactions per calendar month in an OnPoint checking account and an active OnPoint Loyalty Savings account are required to qualify for the OnPoint Premium Savings account.; Balance: $0 - $100,000; One OnPoint Premium Savings Account per member/TIN.
Last Updated10/09/2026
Rate History
1 change since Sep 18, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
Oct 9, 20263.75%▲ from 3.50%
Sep 18, 20263.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
OnPoint Premium Savings
-
3.75%
Min Balance$0
DetailsEarn 3.75% Annual Percentage Yield on your first $100,000, then 2.25% APY * on your remaining balance. Qualifications Required; Six qualifying transactions per month in an OnPoint checking account are required to qualify for the OnPoint Premium Savings account.
Last Updated10/09/2026
Rate History
1 change since Sep 18, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
Oct 9, 20263.75%▲ from 3.50%
Sep 18, 20263.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
Premium Savings
-
3.75%
Min Balance$100,000
DetailsEarn 3.75% Annual Percentage Yield on your first $100,000, then 2.25% APY * on your remaining balance.
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 3.75% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
OnPoint Premium Savings
2.23%
2.25%
Min Balance$0
DetailsQualifications Required: Six qualifying transactions per calendar month in an OnPoint checking account and an active OnPoint Loyalty Savings account are required to qualify for the OnPoint Premium Savings account.; Balance: $100,000.01 and higher; One OnPoint Premium Savings Account per member/TIN.
Last Updated10/09/2026
Rate History
1 change since Sep 18, 2026 · 2.00% → 2.25% ▲ 0.25 pts · high 2.25% / low 2.00%
Oct 9, 20262.25%▲ from 2.00%
Sep 18, 20262.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
OnPoint Loyalty Savings
0.35%
0.35%
Min Balance$0
DetailsBalance: $0 - $49,999.99
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
OnPoint Loyalty Savings
0.35%
0.35%
Min Balance$50,000
DetailsBalance: $50,000 - $99,999.99
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 0.35% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
OnPoint Loyalty Savings
0.35%
0.35%
Min Balance$100,000
DetailsBalance: $100,000 - $249,999.99
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 0.35% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
OnPoint Loyalty Savings
0.35%
0.35%
Min Balance$250,000
DetailsBalance: $250,000 and higher
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 0.35% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
IRA Savings
0.15%
0.15%
Min Balance$0
DetailsBalance: $0.00 and higher
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
Member Savings
0.10%
0.10%
Min Balance$1,000
DetailsBalance: $1,000.01 and higher
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
OnPoint Savers Account
0.10%
0.10%
Min Deposit$25
DetailsDeposit amount: $500.01 and higher; 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.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
Secondary Savings
0.10%
0.10%
Min Balance$0
DetailsBalance: $0.00 and higher
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
OnPoint Community Credit Union Business Savings Rates
Product
Rate
APY
View More
OnPoint Business Loyalty Savings Account
0.35%
0.35%
Min Balance$0
DetailsBalance: $0 - $49,999.99; Must qualify for OnPoint Rewards.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
OnPoint Community Credit Union Money Market Rates
Product
Rate
APY
View More
Money Market IRA
0.20%
0.20%
Min Balance$0
DetailsBalance: $0-$9,999.99
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
Money Market IRA
0.20%
0.20%
Min Balance$10,000
DetailsBalance: $10,000-$24,999.99
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 0.20% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
Money Market IRA
0.20%
0.20%
Min Balance$25,000
DetailsBalance: $25,000-$49,999.99
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 0.20% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
Money Market IRA
0.20%
0.20%
Min Balance$50,000
DetailsBalance: $50,000-$99,999.99
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 0.20% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
Money Market IRA
0.20%
0.20%
Min Balance$100,000
DetailsBalance: $100,000-$249,999.99
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 0.20% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
Money Market IRA
0.20%
0.20%
Min Balance$250,000
DetailsBalance: $250,000 and higher
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 0.20% APY · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
FlexSmart Money Market
0.15%
0.15%
Min Balance$0
DetailsBalance: $0-4,999.99
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
OnPoint Community Credit Union Business Money Market Rates
Product
Rate
APY
View More
Business Nonprofit Money Market
3.69%
3.75%
Min Deposit$1,000
Min Balance$0
DetailsBalance: $0 - $250,000.00; For more information, please refer to the Business Membership & Account Agreement.
Last Updated10/09/2026
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
Oct 9, 20263.75%▲ from 3.50%
Sep 14, 20263.50%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
Business Money Market
0.15%
0.15%
Min Balance$1,000
DetailsBalance: $0 - $4,999.99
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
OnPoint Community Credit Union Checking Rates
Product
Rate
APY
View More
HSA Checking
0.05%
0.05%
Min Balance$0
DetailsBalance: $0 - $24,999
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
HSA Checking
0.05%
0.05%
Min Balance$25,000
DetailsBalance: $25,000 and higher
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
OnPoint Community Credit Union Mortgage Rates
Product
Rate
Points
APR
Term
View More
15 year fixed rate
6.625%
0.500%
6.802%
DetailsThe 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 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. Assumes no other loans or liens on subject property.
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 6.40% → 6.80% ▲ 0.40 pts · high 6.80% / low 6.40%
Oct 9, 20266.80%▲ from 6.53%
Sep 18, 20266.53%▲ from 6.40%
Sep 14, 20266.40%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
FHA Loan
7.125%
0.500%
7.25%
DetailsThe 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 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. Assumes no other loans or liens on subject property.
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 6.74% → 7.25% ▲ 0.51 pts · high 7.25% / low 6.74%
Oct 2, 20267.25%▲ from 6.87%
Sep 18, 20266.87%▲ from 6.74%
Sep 14, 20266.74%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
30 year jumbo fixed rate
7.25%
0.500%
7.352%
DetailsThe 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 $766,551, 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. Assumes no other loans or liens on subject property.
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 6.85% → 7.35% ▲ 0.50 pts · high 7.35% / low 6.85%
Oct 9, 20267.35%▲ from 6.97%
Sep 18, 20266.97%▲ from 6.85%
Sep 14, 20266.85%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
30-year fixed Home loans
-
-
7.365%
30-year
Detailsas low as; * APR = Annual Percentage Rate
Last Updated10/09/2026
Rate History
1 change since Sep 18, 2026 · 7.00% → 7.37% ▲ 0.37 pts · high 7.37% / low 7.00%
Sep 29, 20267.37%▲ from 7.00%
Sep 18, 20267.00%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
30 year fixed rate
7.25%
0.625%
7.377%
DetailsThe 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 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. Assumes no other loans or liens on subject property.
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 6.87% → 7.38% ▲ 0.50 pts · high 7.38% / low 6.87%
Oct 9, 20267.38%▲ from 7.01%
Sep 18, 20267.01%▲ from 6.87%
Sep 14, 20266.87%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
5/5 jumbo ARM
7.25%
0.500%
7.645%
DetailsThe 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 $766,551, 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. Assumes no other loans or liens on subject property.
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 7.07% → 7.65% ▲ 0.57 pts · high 7.65% / low 7.07%
Oct 9, 20267.65%▲ from 7.34%
Sep 18, 20267.34%▲ from 7.07%
Sep 14, 20267.07%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
Mortgage Refinance - 5/5 ARM
7.25%
0.625%
7.671%
DetailsThe 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 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. Assumes no other loans or liens on subject property.
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 7.10% → 7.67% ▲ 0.58 pts · high 7.67% / low 7.10%
DetailsPublished APR range: 7.24% - 12.74%. OnPoint Business Rewards: 0.25% discount off the stated APR. Discount cannot be applied retroactively.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 7.24% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
Business Equipment and Specialty Vehicles (2025 and newer) Loan
-
-
8.49%
36 months
DetailsPublished APR range: 8.49% - 11.99%. OnPoint Business Rewards: 0.25% discount off the stated APR. Discount cannot be applied retroactively.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 8.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
Business Equipment and Specialty Vehicles (2025 and newer) Loan
-
-
8.74%
48 months
DetailsPublished APR range: 8.74% - 12.24%. OnPoint Business Rewards: 0.25% discount off the stated APR. Discount cannot be applied retroactively.
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 8.74% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
Business Equipment and Specialty Vehicles (2025 and newer) Loan
-
-
8.99%
60 months
DetailsPublished APR range: 8.99% - 12.49%. OnPoint Business Rewards: 0.25% discount off the stated APR. Discount cannot be applied retroactively.
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 8.99% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
Business Older Vehicles (2015 and older) Loan
-
-
10.99%
Up to 60 months
DetailsPublished APR range: 10.99% - 12.99%. OnPoint Business Rewards: 0.25% discount off the stated APR. Discount cannot be applied retroactively.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 10.99% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
Older/Other Titled Vehicles Loan
-
-
10.99%
Up to 60 months
DetailsPublished APR range: 10.99% - 12.99%. Estimated minimum monthly payment: 258.41 based on a 48 month, $10,000 loan at 10.99% APR
Last Updated10/09/2026
Rate History
No change since Oct 9, 2026 · 10.99% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
OnPoint Community Credit Union Credit Card Rates
Product
Rate
APR
View More
Business Platinum Visa Purchases
-
11.50%
DetailsPublished APR range: 11.50% - 22.00%. Based on creditworthiness. APR will vary with the market based on the prime rate.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 11.50% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
Platinum Visa - Purchases
-
11.50%
DetailsPublished APR range: 11.50% - 22.00%. Intro rate expires: 6 months; Regular APR: 11.50% - 22.00% based on creditworthiness. APR will vary with the market based on the prime rate.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 11.50% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
Business Platinum Visa with Rewards - Purchases
-
12.50%
DetailsPublished APR range: 12.50% - 23.00%. Based on creditworthiness. APR will vary with the market based on the prime rate.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 12.50% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
Platinum Visa with Rewards - Purchases
-
12.50%
DetailsPublished APR range: 12.50% - 23.00%. Intro rate expires: 6 months; Regular APR: 12.50% - 23.00% based on creditworthiness
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 12.50% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
Signature Visa with Cash Back Rewards - Purchases
-
13.50%
DetailsPublished APR range: 13.50% - 24.00%. Intro rate expires: 6 months; Regular APR: 13.50% - 24.00% depending on your creditworthiness
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 13.50% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
Signature Visa with Rewards - Purchases
-
13.50%
DetailsPublished APR range: 13.50% - 24.00%. Intro rate expires: 6 months; Regular APR: 13.50% - 24.00% depending on your creditworthiness. APR will vary with the market based on the prime rate.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 13.50% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
OnPoint Community Credit Union Personal Loan Rates
Product
APR
Term
View More
Signature Visa with Cash Back Rewards - Purchases
13.50%
DetailsPublished APR range: 13.50% - 24.00%. Intro rate expires: 6 months; Regular APR: 13.50% - 24.00% depending on your creditworthiness
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 13.50% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
Signature Visa with Rewards - Purchases
13.50%
DetailsPublished APR range: 13.50% - 24.00%. Intro rate expires: 6 months; Regular APR: 13.50% - 24.00% depending on your creditworthiness. APR will vary with the market based on the prime rate.
Last Updated10/09/2026
Rate History
No change since Sep 14, 2026 · 13.50% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
Personal line of credit
16.75%
DetailsRate: Pledged account interest rate plus 3.00%; 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 01/10/25, Prime Rate is 6.75%. personal line of credit includes $24 annual fee. Personal line of credit minimum $100 limit, not to exceed $25,000.; APR range: 16.75% - 18.75% variable rate
Last Updated10/09/2026
Rate History
No change since Sep 18, 2026 · 16.75% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
OnPoint Community Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
Homeroom Loan
8.50%
0.500%
8.604%
DetailsThe 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 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. Assumes no other loans or liens on subject property.
Last Updated10/09/2026
Rate History
2 changes since Sep 14, 2026 · 8.10% → 8.60% ▲ 0.50 pts · high 8.60% / low 8.10%
No change since Sep 14, 2026 · 11.00% APR · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.12%
Financial Health History
OnPoint Community Credit Union’s Texas Ratio rose from 1.88% in Q3 2023 to 4.12% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$9.5B
4.12%
5.0
A+
March 31, 2026
$9.6B
4.10%
5.0
A+
December 31, 2025
$9.5B
4.27%
5.0
A+
September 30, 2025
$9.6B
3.75%
5.0
A+
June 30, 2025
$9.6B
3.26%
5.0
A+
March 31, 2025
$9.9B
2.07%
5.0
A+
December 31, 2024
$9.7B
2.78%
5.0
A+
September 30, 2024
$9.7B
2.44%
5.0
A+
June 30, 2024
$9.4B
2.26%
5.0
A+
March 31, 2024
$9.2B
1.75%
5.0
A+
December 31, 2023
$8.7B
2.52%
5.0
A+
September 30, 2023
$8.8B
1.88%
5.0
A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
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.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
282,337,587
Total Uninsured Shares and Deposits > $250K (F+J)
282,337,587
Total Insured Shares and Deposits > $250K (item 17 less item K)
7,602,853,575
Total Interest Expense (Sum of items 6 8)
55,271,307
Share Certificates
8,126
Number of Accounts for Share Drafts
571,986
IRA KEOGH Accounts
8,821
Number of Accounts for Regular Shares
662,676
Money Market Shares
193,461
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
1,063,068,578
Total Liabilities
8,104,238,463
Source: NCUA — Last Updated 06/30/2026
Q2 2026 MBR Health & Safety Badge
OnPoint Community Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for OnPoint Community Credit Union
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.
Current OnPoint Community Credit Union Rates
12-Month CD2.25%
18-Month CD2.30%
24-Month CD2.36%
60-Month CD2.50%
Savings3.75%
MMA3.75%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
