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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 OnPoint Community Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
Read Full Bio →
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: March 28, 2026
OnPoint Community Credit Union's Traditional & Roth IRA CDs of Deposit 60 month with OnPoint Rewards rates are at 2.81%, 60 month CDs of Deposit with OnPoint Rewards rates are at 2.75%, Business CDs of Deposit 60 month rates are at 2.75%, Traditional & Roth IRA CDs of Deposit 48 month with OnPoint Rewards rates are at 2.75%, 48 month CDs of Deposit with OnPoint Rewards rates are at 2.70%. OnPoint Community Credit Union's savings rates are at 0.10%. OnPoint Community Credit Union's money market rates are at 0.15%. OnPoint Community Credit Union's 15 year fixed rate rates are at 5.75%, 15 year fixed rate rates are at 5.75%, VA rates are at 6.25%, FHA rates are at 6.25%, 30 year jumbo fixed rate rates are at 6.38%. OnPoint Community Credit Union's Personal Loan Rates are at 11.00%. OnPoint Community Credit Union's Credit Card Rates are at 2.99%. 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 3.91%. Rates were last updated on 03/28/2026. 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
Montgomery Park 2701 NW Vaughn St
https://www.onpointcu.com Portland, OR 97210 
OnPoint Community Credit Union CD Rates
OnPoint Community Credit Union Savings Rates
OnPoint Community Credit Union Money Market Rates
OnPoint Community Credit Union Checking Rates
OnPoint Community Credit Union Mortgage Rates
OnPoint Community Credit Union Credit Card Rates
OnPoint Community Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates 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
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.91%
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
Frequently Asked Questions About OnPoint Community Credit UnionIs OnPoint Community Credit Union a safe place to deposit money?Yes, OnPoint Community Credit Union is considered a safe financial institution. With a Texas Ratio of 3.9096943417887%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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
Retrieved from our database of financial products. Rates subject to change.
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