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

Current rates for OnPoint Community Credit Union include: 12-Month CD: 2.25%, 18-Month CD: 2.30%, 24-Month CD: 2.36%, 60-Month CD: 2.50%, Savings: 0.10%, MMA: 0.15%

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OnPoint Community Credit Union

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OnPoint Community Credit Union Rates & Review September 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 and Verified: September 22, 2026

OnPoint Community Credit Union's 60 Month Traditional & Roth IRA CDs of Deposit - OnPoint Rewards rates are at 2.81%, 48 Month Traditional & Roth IRA CDs of Deposit - OnPoint Rewards rates are at 2.75%, 36 Month Traditional & Roth IRA CDs of Deposit - OnPoint Rewards rates are at 2.70%, 24 Month Traditional & Roth IRA CDs of Deposit - OnPoint Rewards rates are at 2.66%, 18 Month Traditional & Roth IRA CDs of Deposit - OnPoint Rewards rates are at 2.61%. 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 6.38%, FHA Loan rates are at 6.75%, 30 year jumbo fixed rate rates are at 6.88%, Home loans 30-year fixed rates are at 7.00%, 30 year fixed rate rates are at 6.88%. OnPoint Community Credit Union's Personal Loan Rates are as low as 11.00%. OnPoint Community Credit Union's Credit Card Rates are at 11.50%. 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 4.10%. Rates last updated and verified on 09/22/2026.

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.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.10%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

OnPoint Community Credit Union
Montgomery Park

2701 NW Vaughn St
Portland, OR 97210

https://www.onpointcu.com

OnPoint Community Credit Union CD Rates

Product	Rate	APY	Term
60 Month Traditional & Roth IRA Certificates of Deposit - OnPoint Rewards	2.77%	2.81%	60 months
Min Deposit $1,000 Min Balance $1,000 Details Additional products and services are required to qualify for the OnPoint Rewards rate. Please see an OnPoint representative for more information or click here. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
48 Month Traditional & Roth IRA Certificates of Deposit - OnPoint Rewards	2.72%	2.75%	48 months
Min Deposit $1,000 Min Balance $1,000 Details Additional products and services are required to qualify for the OnPoint Rewards rate. Please see an OnPoint representative for more information or click here. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
36 Month Traditional & Roth IRA Certificates of Deposit - OnPoint Rewards	2.67%	2.70%	36 months
Min Deposit $1,000 Min Balance $1,000 Details Additional products and services are required to qualify for the OnPoint Rewards rate. Please see an OnPoint representative for more information or click here. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
24 Month Traditional & Roth IRA Certificates of Deposit - OnPoint Rewards	2.63%	2.66%	24 months
Min Deposit $1,000 Min Balance $1,000 Details Additional products and services are required to qualify for the OnPoint Rewards rate. Please see an OnPoint representative for more information or click here. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
18 Month Traditional & Roth IRA Certificates of Deposit - OnPoint Rewards	2.58%	2.61%	18 months
Min Deposit $1,000 Min Balance $1,000 Details Additional products and services are required to qualify for the OnPoint Rewards rate. Please see an OnPoint representative for more information or click here. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
12 Month Traditional & Roth IRA Certificates of Deposit - OnPoint Rewards	2.53%	2.56%	12 months
Min Deposit $1,000 Min Balance $1,000 Details Additional products and services are required to qualify for the OnPoint Rewards rate. Please see an OnPoint representative for more information or click here. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
60 Month Traditional & Roth IRA Certificates of Deposit	2.52%	2.55%	60 months
Min Deposit $1,000 Min Balance $1,000 Details Additional products and services are required to qualify for the OnPoint Rewards rate. Please see an OnPoint representative for more information or click here. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
48 Month Traditional & Roth IRA Certificates of Deposit	2.47%	2.50%	48 months
Min Deposit $1,000 Min Balance $1,000 Details Additional products and services are required to qualify for the OnPoint Rewards rate. Please see an OnPoint representative for more information or click here. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
60 Month Certificates of Deposit	2.47%	2.50%	60 months
Min Deposit $1,000 Min Balance $1,000 Details Qualifications Required: Ten (10) year relationship with OnPoint. Six (6) qualified transactions in the same checking account during the qualification period. These transactions can include deposits, withdrawals, automatic payments, checks, and debit card transactions. OnPoint generated transactions such as fees or interest credits do not count. Qualification is processed on the 15th and the last day of each month for the preceding 30 days of activity. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
Business Certificates of Deposit - 60 month	2.47%	2.50%	60 months
Min Deposit $1,000 Min Balance $1,000 Details Interest rate with OnPoint Rewards: 2.72%; APY with OnPoint Rewards: 2.75% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
36 Month Traditional & Roth IRA Certificates of Deposit	2.42%	2.45%	36 months
Min Deposit $1,000 Min Balance $1,000 Details Additional products and services are required to qualify for the OnPoint Rewards rate. Please see an OnPoint representative for more information or click here. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
48 Month Certificates of Deposit	2.42%	2.45%	48 months
Min Deposit $1,000 Min Balance $1,000 Details Qualifications Required: Ten (10) year relationship with OnPoint. Six (6) qualified transactions in the same checking account during the qualification period. These transactions can include deposits, withdrawals, automatic payments, checks, and debit card transactions. OnPoint generated transactions such as fees or interest credits do not count. Qualification is processed on the 15th and the last day of each month for the preceding 30 days of activity. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
Business Certificates of Deposit - 48 month	2.42%	2.45%	48 months
Min Deposit $1,000 Min Balance $1,000 Details Interest rate with OnPoint Rewards: 2.67%; APY with OnPoint Rewards: 2.70% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
24 Month Traditional & Roth IRA Certificates of Deposit	2.38%	2.41%	24 months
Min Deposit $1,000 Min Balance $1,000 Details Additional products and services are required to qualify for the OnPoint Rewards rate. Please see an OnPoint representative for more information or click here. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
36 Month Certificates of Deposit	2.37%	2.40%	36 months
Min Deposit $1,000 Min Balance $1,000 Details Qualifications Required: Ten (10) year relationship with OnPoint. Six (6) qualified transactions in the same checking account during the qualification period. These transactions can include deposits, withdrawals, automatic payments, checks, and debit card transactions. OnPoint generated transactions such as fees or interest credits do not count. Qualification is processed on the 15th and the last day of each month for the preceding 30 days of activity. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
Business Certificates of Deposit - 36 month	2.37%	2.40%	36 months
Min Deposit $1,000 Min Balance $1,000 Details Interest rate with OnPoint Rewards: 2.62%; APY with OnPoint Rewards: 2.65% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
18 Month Traditional & Roth IRA Certificates of Deposit	2.33%	2.36%	18 months
Min Deposit $1,000 Min Balance $1,000 Details Additional products and services are required to qualify for the OnPoint Rewards rate. Please see an OnPoint representative for more information or click here. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
24 Month Certificates of Deposit	2.33%	2.36%	24 months
Min Deposit $1,000 Min Balance $1,000 Details Qualifications Required: Ten (10) year relationship with OnPoint. Six (6) qualified transactions in the same checking account during the qualification period. These transactions can include deposits, withdrawals, automatic payments, checks, and debit card transactions. OnPoint generated transactions such as fees or interest credits do not count. Qualification is processed on the 15th and the last day of each month for the preceding 30 days of activity. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
Business Certificates of Deposit - 24 month	2.33%	2.36%	24 months
Min Deposit $1,000 Min Balance $1,000 Details Interest rate with OnPoint Rewards: 2.58%; APY with OnPoint Rewards: 2.61% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
12 Month Traditional & Roth IRA Certificates of Deposit	2.28%	2.30%	12 months
Min Deposit $1,000 Min Balance $1,000 Details Additional products and services are required to qualify for the OnPoint Rewards rate. Please see an OnPoint representative for more information or click here. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
18 Month Certificates of Deposit	2.28%	2.30%	18 months
Min Deposit $1,000 Min Balance $1,000 Details Qualifications Required: Ten (10) year relationship with OnPoint. Six (6) qualified transactions in the same checking account during the qualification period. These transactions can include deposits, withdrawals, automatic payments, checks, and debit card transactions. OnPoint generated transactions such as fees or interest credits do not count. Qualification is processed on the 15th and the last day of each month for the preceding 30 days of activity. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
Business Certificates of Deposit - 18 month	2.28%	2.30%	18 months
Min Deposit $1,000 Min Balance $1,000 Details Interest rate with OnPoint Rewards: 2.53%; APY with OnPoint Rewards: 2.56% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
12 Month Certificates of Deposit	2.23%	2.25%	12 months
Min Deposit $1,000 Min Balance $1,000 Details Qualifications Required: Ten (10) year relationship with OnPoint. Six (6) qualified transactions in the same checking account during the qualification period. These transactions can include deposits, withdrawals, automatic payments, checks, and debit card transactions. OnPoint generated transactions such as fees or interest credits do not count. Qualification is processed on the 15th and the last day of each month for the preceding 30 days of activity. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
Business Certificates of Deposit - 12 month	2.23%	2.25%	12 months
Min Deposit $1,000 Min Balance $1,000 Details Interest rate with OnPoint Rewards: 2.48%; APY with OnPoint Rewards: 2.51% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
6 Month Traditional & Roth IRA Certificates of Deposit - OnPoint Rewards	2.04%	2.06%	6 months
Min Deposit $1,000 Min Balance $1,000 Details Additional products and services are required to qualify for the OnPoint Rewards rate. Please see an OnPoint representative for more information or click here. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
3 Month Traditional & Roth IRA Certificates of Deposit - OnPoint Rewards	1.79%	1.80%	3 months
Min Deposit $1,000 Min Balance $1,000 Details Additional products and services are required to qualify for the OnPoint Rewards rate. Please see an OnPoint representative for more information or click here. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
6 Month Traditional & Roth IRA Certificates of Deposit	1.79%	1.80%	6 months
Min Deposit $1,000 Min Balance $1,000 Details Additional products and services are required to qualify for the OnPoint Rewards rate. Please see an OnPoint representative for more information or click here. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
6 Month Certificates of Deposit	1.74%	1.75%	6 months
Min Deposit $1,000 Min Balance $1,000 Details Qualifications Required: Ten (10) year relationship with OnPoint. Six (6) qualified transactions in the same checking account during the qualification period. These transactions can include deposits, withdrawals, automatic payments, checks, and debit card transactions. OnPoint generated transactions such as fees or interest credits do not count. Qualification is processed on the 15th and the last day of each month for the preceding 30 days of activity. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
Business Certificates of Deposit - 6 month	1.74%	1.75%	6 months
Min Deposit $1,000 Min Balance $1,000 Details Interest rate with OnPoint Rewards: 1.99%; APY with OnPoint Rewards: 2.01% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
3 Month Certificates of Deposit	1.49%	1.50%	3 months
Min Deposit $1,000 Min Balance $1,000 Details Qualifications Required: Ten (10) year relationship with OnPoint. Six (6) qualified transactions in the same checking account during the qualification period. These transactions can include deposits, withdrawals, automatic payments, checks, and debit card transactions. OnPoint generated transactions such as fees or interest credits do not count. Qualification is processed on the 15th and the last day of each month for the preceding 30 days of activity. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
Business Certificates of Deposit - 3 month	1.49%	1.50%	3 months
Min Deposit $1,000 Min Balance $1,000 Details Interest rate with OnPoint Rewards: 1.74%; APY with OnPoint Rewards: 1.75% Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%

OnPoint Community Credit Union Savings Rates

Product	Rate	APY
OnPoint Savers Account	4.89%	5.00%
Min Deposit $25 Min Balance $5 Details Account must be established for members age 17 or younger by parent or guardian with a minimum $25 deposit. Parent or legal guardian must be on the membership and present to open the OnPoint Savers Account. When primary member attains the age of 18, accounts will be converted to Member Savings Account, earning that account's published rate at that time. Fiduciary memberships, including UTTMA and Minor Settlement Accounts are not eligible for OnPoint Savers. One OnPoint Savers Account per member/TIN. One $55 bonus per tax ID for new members only. Bonus will be included on a 1099-INT for tax purposes. Cannot be combined with other offers for opening a new membership, such as new branch promotions or Refer a Friend. The full account balance APY is calculated by combining the 5.00% APY earnings on the first $500 with the lower APY on the remaining balance above $500.01. Balance: $5 - $500 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
OnPoint Premium Savings	3.45%	3.50%
Min Balance $0 Details Balance: $0 - $100,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
OnPoint Premium Savings	-	3.50%
Min Balance $0 Details Qualifications Required: Six qualifying transactions per month in an OnPoint checking account; Earn 3.50% Annual Percentage Yield on your first $100,000, then 2.00% APY * on your remaining balance. Six qualifying transactions per month in an OnPoint checking account are required to qualify for the OnPoint Premium Savings account. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
Member Savings	3.45%	3.45%
Min Balance $5 Details Balance: $0 - $1,000 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
OnPoint Premium Savings	1.99%	2.00%
Min Balance $0 Details Balance: $100,000.01 and higher Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
OnPoint Premium Savings	-	2.00%
Min Balance $100,000 Details Qualifications Required: Six qualifying transactions per month in an OnPoint checking account; Earn 3.50% Annual Percentage Yield on your first $100,000, then 2.00% APY * on your remaining balance. Six qualifying transactions per month in an OnPoint checking account are required to qualify for the OnPoint Premium Savings account. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
OnPoint Business Loyalty Savings Account	0.35%	0.35%
Min Balance $0 Details Balance: $0 - $49,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
OnPoint Loyalty Savings	0.35%	0.35%
Min Balance $0 Details Balance: $0 - $49,999.99; Additional products and services are required to qualify for the OnPoint Loyalty Savings. Please see an OnPoint representative for more information or click here. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
OnPoint Loyalty Savings	0.35%	0.35%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99; Additional products and services are required to qualify for the OnPoint Loyalty Savings. Please see an OnPoint representative for more information or click here. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
OnPoint Loyalty Savings	0.35%	0.35%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99; Additional products and services are required to qualify for the OnPoint Loyalty Savings. Please see an OnPoint representative for more information or click here. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
OnPoint Loyalty Savings	0.35%	0.35%
Min Balance $250,000 Details Balance: $250,000 and higher; Additional products and services are required to qualify for the OnPoint Loyalty Savings. Please see an OnPoint representative for more information or click here. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
IRA savings	0.15%	0.15%
Min Balance $0 Details Balance: $0.00 and higher Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
Member Savings	0.10%	0.10%
Min Balance $1,000 Details Balance: $1,000.01 and higher Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
OnPoint Savers Account	0.10%	0.10%
Min Deposit $25 Details Account must be established for members age 17 or younger by parent or guardian with a minimum $25 deposit. Parent or legal guardian must be on the membership and present to open the OnPoint Savers Account. When primary member attains the age of 18, accounts will be converted to Member Savings Account, earning that account's published rate at that time. Fiduciary memberships, including UTTMA and Minor Settlement Accounts are not eligible for OnPoint Savers. One OnPoint Savers Account per member/TIN. One $55 bonus per tax ID for new members only. Bonus will be included on a 1099-INT for tax purposes. Cannot be combined with other offers for opening a new membership, such as new branch promotions or Refer a Friend. The full account balance APY is calculated by combining the 5.00% APY earnings on the first $500 with the lower APY on the remaining balance above $500.01. Balance: $500.01 and higher Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
Secondary Savings	0.10%	0.10%
Min Balance $0 Details Balance: $0.00 and higher Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%

OnPoint Community Credit Union Money Market Rates

Product	Rate	APY
Business Nonprofit Money Market	3.45%	3.50%
Min Deposit $1,000 Min Balance $0 Details Balance: $0 - $250,000.00 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
Money Market IRA	0.20%	0.20%
Min Balance $0 Details Balance: $0-$9,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
Business Money Market	0.15%	0.15%
Min Balance $1,000 Details Balance: $0 - $4,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
FlexSmart Money Market	0.15%	0.15%
Min Balance $0 Details Balance: $0-4,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%

OnPoint Community Credit Union Checking Rates

Product	Rate	APY
Business IOLTA Checking	2.79%	2.82%
Min Deposit $0 Min Balance $0 Details Overdrawn Balance Rate (APR) is variable at Prime + 5.00%. 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 for the next business day if the 10th falls on a weekend. Current Prime Rate is As of 01/10/25, Prime Rate is 6.75%.. Interest earned is sent to the applicable State's legal foundation, as required by law. All interest is compounded and credited monthly. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
HSA Checking	0.05%	0.05%
Min Balance $0 Details Balance: $0 - $24,999 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
HSA Checking	0.05%	0.05%
Min Balance $25,000 Details Balance: $25,000 and higher Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%

OnPoint Community Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
15 year fixed rate	6.38%	0.375%	6.53%	15 year
Details The annual percentage rates (APRs) for the 30 Year Fixed, 15 Year Fixed, and 5 year adjustable rate loans are calculated based on the mortgage no cash-out refinance of a single family, owner occupied residence with a loan-to-value (LTV) of 75%, a loan amount of $412,500.00, and a property located in Multnomah County, Oregon. The APR includes the approximate cost of prepaid finance charges, including 15 days of prepaid interest, a $795.00 origination fee, and any applicable points associated with the interest rate. Actual APRs for individual loans may differ. All loan applications are subject to credit and property approval. The payments shown include only principal and interest. Certain loan products may require an escrow account for property taxes and insurance which will be added to the monthly payment amount. These mortgage rates are based upon a variety of assumptions and conditions, some of which may include a credit score of 780 or higher. Your loan's interest rate will depend on specific characteristics of your transaction and your credit profile up to the time of closing. Adjustable rate mortgage (ARM) interest rates and payments are subject to change during the loan term. That change can increase or decrease your monthly payment. If your equity is less than 20% mortgage insurance may be required, which will increase the monthly payment and APR. Assumes no other loans or liens on subject property. Property and/or flood hazard insurance may be required. Maximum loan limits may apply. Additional rates and programs are available. Interest rates and APRs are subject to change without notice. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
FHA Loan	6.75%	0.500%	6.87%
Details The annual percentage rates (APRs) for the 30 Year Fixed, 15 Year Fixed, and 5 year adjustable rate loans are calculated based on the mortgage no cash-out refinance of a single family, owner occupied residence with a loan-to-value (LTV) of 75%, a loan amount of $412,500.00, and a property located in Multnomah County, Oregon. The APR includes the approximate cost of prepaid finance charges, including 15 days of prepaid interest, a $795.00 origination fee, and any applicable points associated with the interest rate. Actual APRs for individual loans may differ. All loan applications are subject to credit and property approval. The payments shown include only principal and interest. Certain loan products may require an escrow account for property taxes and insurance which will be added to the monthly payment amount. These mortgage rates are based upon a variety of assumptions and conditions, some of which may include a credit score of 780 or higher. Your loan's interest rate will depend on specific characteristics of your transaction and your credit profile up to the time of closing. Adjustable rate mortgage (ARM) interest rates and payments are subject to change during the loan term. That change can increase or decrease your monthly payment. If your equity is less than 20% mortgage insurance may be required, which will increase the monthly payment and APR. Assumes no other loans or liens on subject property. Property and/or flood hazard insurance may be required. Maximum loan limits may apply. Additional rates and programs are available. Interest rates and APRs are subject to change without notice. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
30 year jumbo fixed rate	6.88%	0.500%	6.97%	30 year
Details The annual percentage rates (APRs) for the 30 year jumbo fixed rate and 5/5 jumbo ARM are calculated based on the mortgage no cash-out refinance of a single family, owner occupied residence with a loan-to-value (LTV) of 75%, a loan amount of $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. All loan applications are subject to credit and property approval. The payments shown include only principal and interest. Certain loan products may require an escrow account for property taxes and insurance which will be added to the monthly payment amount. These mortgage rates are based upon a variety of assumptions and conditions, some of which may include a credit score of 780 or higher. Your loan's interest rate will depend on specific characteristics of your transaction and your credit profile up to the time of closing. Adjustable rate mortgage (ARM) interest rates and payments are subject to change during the loan term. That change can increase or decrease your monthly payment. If your equity is less than 20% mortgage insurance may be required, which will increase the monthly payment and APR. Assumes no other loans or liens on subject property. Property and/or flood hazard insurance may be required. Maximum loan limits may apply. Additional rates and programs are available. Interest rates and APRs are subject to change without notice. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
Home loans 30-year fixed	-	-	7.00%
Details As Low As; APR = Annual Percentage Rate Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
30 year fixed rate	6.88%	0.750%	7.01%	30 year
Details The annual percentage rates (APRs) for the 30 Year Fixed, 15 Year Fixed, and 5 year adjustable rate loans are calculated based on the mortgage no cash-out refinance of a single family, owner occupied residence with a loan-to-value (LTV) of 75%, a loan amount of $412,500.00, and a property located in Multnomah County, Oregon. The APR includes the approximate cost of prepaid finance charges, including 15 days of prepaid interest, a $795.00 origination fee, and any applicable points associated with the interest rate. Actual APRs for individual loans may differ. All loan applications are subject to credit and property approval. The payments shown include only principal and interest. Certain loan products may require an escrow account for property taxes and insurance which will be added to the monthly payment amount. These mortgage rates are based upon a variety of assumptions and conditions, some of which may include a credit score of 780 or higher. Your loan's interest rate will depend on specific characteristics of your transaction and your credit profile up to the time of closing. Adjustable rate mortgage (ARM) interest rates and payments are subject to change during the loan term. That change can increase or decrease your monthly payment. If your equity is less than 20% mortgage insurance may be required, which will increase the monthly payment and APR. Assumes no other loans or liens on subject property. Property and/or flood hazard insurance may be required. Maximum loan limits may apply. Additional rates and programs are available. Interest rates and APRs are subject to change without notice. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
5/5 jumbo ARM	6.88%	0.500%	7.34%	5/5 jumbo ARM
Details The annual percentage rates (APRs) for the 30 year jumbo fixed rate and 5/5 jumbo ARM are calculated based on the mortgage no cash-out refinance of a single family, owner occupied residence with a loan-to-value (LTV) of 75%, a loan amount of $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. All loan applications are subject to credit and property approval. The payments shown include only principal and interest. Certain loan products may require an escrow account for property taxes and insurance which will be added to the monthly payment amount. These mortgage rates are based upon a variety of assumptions and conditions, some of which may include a credit score of 780 or higher. Your loan's interest rate will depend on specific characteristics of your transaction and your credit profile up to the time of closing. Adjustable rate mortgage (ARM) interest rates and payments are subject to change during the loan term. That change can increase or decrease your monthly payment. If your equity is less than 20% mortgage insurance may be required, which will increase the monthly payment and APR. Assumes no other loans or liens on subject property. Property and/or flood hazard insurance may be required. Maximum loan limits may apply. Additional rates and programs are available. Interest rates and APRs are subject to change without notice. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
Mortgage Refinance Rates - 5/5 ARM	6.88%	0.625%	7.37%	5/5 ARM
Details The annual percentage rates (APRs) for the 30 Year Fixed, 15 Year Fixed, and 5 year adjustable rate loans are calculated based on the mortgage no cash-out refinance of a single family, owner occupied residence with a loan-to-value (LTV) of 75%, a loan amount of $412,500.00, and a property located in Multnomah County, Oregon. The APR includes the approximate cost of prepaid finance charges, including 15 days of prepaid interest, a $795.00 origination fee, and any applicable points associated with the interest rate. Actual APRs for individual loans may differ. All loan applications are subject to credit and property approval. The payments shown include only principal and interest. Certain loan products may require an escrow account for property taxes and insurance which will be added to the monthly payment amount. These mortgage rates are based upon a variety of assumptions and conditions, some of which may include a credit score of 780 or higher. Your loan's interest rate will depend on specific characteristics of your transaction and your credit profile up to the time of closing. Adjustable rate mortgage (ARM) interest rates and payments are subject to change during the loan term. That change can increase or decrease your monthly payment. If your equity is less than 20% mortgage insurance may be required, which will increase the monthly payment and APR. Assumes no other loans or liens on subject property. Property and/or flood hazard insurance may be required. Maximum loan limits may apply. Additional rates and programs are available. Interest rates and APRs are subject to change without notice. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%

OnPoint Community Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity EquityFlex Fixed Portion Option - in first lien position	-	-	6.00%	5 - 20 years
Details Published APR range: 6.00% - 6.75%. Up to 80% LTV; Fixed APR Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
HELOC EquityFlex Interest Only Line of Credit	-	-	6.75%	10 years
Details Term: 10-year draw period, 20-year amortization period; Published APR range: 6.75 - 7.25%. Up to 80% LTV; Variable APR Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
HELOC EquityFlex Line of Credit	-	-	6.75%	10 years
Details Term: 10-year draw period, 20-year amortization period; Published APR range: 6.75% - 7.25%. Up to 80% LTV; Variable APR Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
Home Equity EquityFlex Fixed Portion Option	-	-	7.00%	5 - 20 years
Details Published APR range: 7.00% - 7.75%. Up to 80% LTV; Fixed APR Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
HELOC EquityFlex Line of Credit	-	-	8.75%	10 years
Details Term: 10-year draw period, 20-year amortization period; Published APR range: 8.75% - 9.25%. 80.01% - 100% LTV; Variable APR Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
HELOC Non-Owner Occupied EquityFlex Line of Credit	-	-	9.00%	10 years
Details Term: 10-year draw period, 20-year amortization period; Published APR range: 9.00% - 9.50%. Up to 65% LTV; Variable APR Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
Home Equity Non-Owner Occupied Fixed Portion Option	-	-	9.50%	10 - 20 years
Details Published APR range: 9.50% - 10.00%. Up to 65% LTV; Fixed APR Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
Home Equity EquityFlex Fixed Portion Option	-	-	10.25%	10 - 15 years
Details Published APR range: 10.25% - 10.50%. 80.01% - 100% LTV; Fixed APR Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%

OnPoint Community Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Business New auto	-	-	4.99%	36-60 months
Details Published APR range: 4.99% - 9.44%. Vehicles manufactured 2023 and newer. OnPoint Business Rewards: 0.25% discount off the stated APR for vehicles meeting Green Auto Discount standards. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
2016-2019 Used Auto Loans (Cars, trucks & vans)	-	-	5.14%	36-60 month
Details Published APR range: 5.14% - 9.84%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
Business Used auto	-	-	5.14%	36-60 months
Details Published APR range: 5.14% - 9.84%. Vehicles manufactured 2016-2022. OnPoint Business Rewards: 0.25% discount off the stated APR for vehicles meeting Green Auto Discount standards. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
Business New auto	-	-	5.24%	72 months
Details Published APR range: 5.24% - 9.89%. Vehicles manufactured 2023 and newer. OnPoint Business Rewards: 0.25% discount off the stated APR for vehicles meeting Green Auto Discount standards. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
2016-2019 Used Auto Loans (Cars, trucks & vans)	-	-	5.39%	72 months
Details Published APR range: 5.39% - 10.19%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
Business Used auto	-	-	5.39%	72 months
Details Published APR range: 5.39% - 10.19%. Vehicles manufactured 2016-2022. Requires a minimum $12,000 loan amount for model years 2016-2019. OnPoint Business Rewards: 0.25% discount off the stated APR for vehicles meeting Green Auto Discount standards. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
Business New auto	-	-	5.49%	84 months
Details Published APR range: 5.49% - 10.14%. Vehicles manufactured 2023 and newer. OnPoint Business Rewards: 0.25% discount off the stated APR for vehicles meeting Green Auto Discount standards. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
Business Used auto	-	-	5.84%	84 months
Details Published APR range: 5.84% - 11.49%. Vehicles manufactured 2016-2022. Offered on model years 2020-2022 only. OnPoint Business Rewards: 0.25% discount off the stated APR for vehicles meeting Green Auto Discount standards. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
Business New auto	-	-	7.24%	96 months
Details Published APR range: 7.24% - 12.74%. Vehicles manufactured 2023 and newer. Requires a minimum $25,000 loan amount and a maximum of $15,000 negative equity. OnPoint Business Rewards: 0.25% discount off the stated APR for vehicles meeting Green Auto Discount standards. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
Business Equipment and Specialty Vehicles Loan	-	-	8.49%	36 months
Details Published APR range: 8.49% - 11.99%. Vehicles manufactured 2025 and newer. OnPoint Business Rewards: 0.25% discount off the stated APR for vehicles meeting Green Auto Discount standards. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
Business Equipment and Specialty Vehicles Loan	-	-	8.74%	48 months
Details Published APR range: 8.74% - 12.24%. Vehicles manufactured 2025 and newer. OnPoint Business Rewards: 0.25% discount off the stated APR for vehicles meeting Green Auto Discount standards. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
Business Equipment and Specialty Vehicles Loan	-	-	8.99%	60 months
Details Published APR range: 8.99% - 12.49%. Vehicles manufactured 2025 and newer. OnPoint Business Rewards: 0.25% discount off the stated APR for vehicles meeting Green Auto Discount standards. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
Business Older Vehicles Loan	-	-	10.99%	Up to 60 months
Details Published APR range: 10.99% - 12.99%. Vehicles manufactured 2015 and older. OnPoint Business Rewards: 0.25% discount off the stated APR for vehicles meeting Green Auto Discount standards. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%

OnPoint Community Credit Union Credit Card Rates

Product	Rate	APR
Business Platinum Visa	-	11.50%
Details Published APR range: 11.50% - 22.00%. Purchases; based on creditworthiness Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
Platinum Visa - Purchases	-	11.50%
Details Intro rate expires: 6 months; Regular APR: 11.50% - 22.00% based on creditworthiness; APR range: 11.50% - 22.00% based on creditworthiness Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
Business Platinum Visa with Rewards - Purchases	-	12.50%
Details Published APR range: 12.50% - 23.00%. based on creditworthiness Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
Platinum Visa with Rewards - Purchases	-	12.50%
Details Intro rate expires: 6 months; Regular APR: 12.50% - 23.00% based on creditworthiness; APR range: 12.50% - 23.00% based on creditworthiness Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
Business Platinum Visa	-	13.50%
Details Published APR range: 13.50% - 24.00%. Balance transfers; based on creditworthiness Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
Signature Visa with Cash Back Rewards - Purchases	-	13.50%
Details Published APR range: 13.50% - 24.00%. Intro rate expires: 6 months; Regular APR: 13.50% - 24.00% depending on your creditworthiness Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
Signature Visa with Rewards - Purchases	-	13.50%
Details Published APR range: 13.50% - 24.00%. Intro rate expires: 6 months; Regular APR: 13.50% - 24.00% depending on your creditworthiness Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%

OnPoint Community Credit Union Personal Loan Rates

Product	APR	Term
Personal loan	11.00%	Up to 60 Months
Details 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. Personal loan minimum amount $100, not to exceed $25,000.; APR range: 11.00% - 16.00% fixed rate Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
Signature Visa with Cash Back Rewards - Purchases	13.50%
Details Published APR range: 13.50% - 24.00%. Intro rate expires: 6 months; Regular APR: 13.50% - 24.00% depending on your creditworthiness Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
Signature Visa with Rewards - Purchases	13.50%
Details Published APR range: 13.50% - 24.00%. Intro rate expires: 6 months; Regular APR: 13.50% - 24.00% depending on your creditworthiness Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
Personal line of credit	16.75%
Details Rate: Prime + 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 Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%

OnPoint Community Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Homeroom Loan	8.13%	0.500%	8.23%
Details The annual percentage rates (APRs) for the Homeroom fixed rate loans are calculated based on the mortgage no cash-out refinance of a single family, owner occupied residence with a loan amount of $550,000.00 and located in Multnomah County, Oregon. The APR includes the approximate cost of prepaid finance charges, including 15 days of prepaid interest, a $795.00 origination fee, and any applicable points associated with the interest rate. Actual APRs for individual loans may differ. All loan applications are subject to credit and property approval. The payments shown include only principal and interest. Certain loan products may require an escrow account for property taxes and insurance which will be added to the monthly payment amount. These mortgage rates are based upon a variety of assumptions and conditions, some of which may include a credit score of 780 or higher. Your loan's interest rate will depend on specific characteristics of your transaction and your credit profile up to the time of closing. Adjustable rate mortgage (ARM) interest rates and payments are subject to change during the loan term. That change can increase or decrease your monthly payment. If your equity is less than 20% mortgage insurance may be required, which will increase the monthly payment and APR. Assumes no other loans or liens on subject property. Property and/or flood hazard insurance may be required. Maximum loan limits may apply. Additional rates and programs are available. Interest rates and APRs are subject to change without notice. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
Small business line of credit	-	-	10.75%
Details Published APR range: 10.75% - 12.75%. variable rate Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%
Small business term loan	-	-	11.00%	Up to 60 Months
Details Published APR range: 11.00% - 16.00%. fixed rate Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.10%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

OnPoint Community Credit Union’s Texas Ratio rose from 1.63% in Q2 2023 to 4.10% in Q1 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
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+
June 30, 2023	$8.8B	1.63%	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.

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 1,308

Part-Time Employees 8

Branch Locations 60

ATM Locations 62

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

4.10%

Return on Assets (ROA)

0.3376%

Return on Equity (ROE)

2.3331%

Non-Performing Loans Ratio (NPL)

0.97%

Total Assets

9,646,703,300

Total Amount of Shares and Deposits

8,043,056,107

Total Shares and Deposits < 1 Year

7,858,828,119

Total Shares and Deposits 1 3 Years

151,350,909

Total Shares and Deposits > 3 Years

32,877,080

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

283,693,153

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

283,693,153

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

7,759,362,954

Total Interest Expense (Sum of items 6 8)

25,553,551

Share Certificates

8,442

Number of Accounts for Share Drafts

554,723

IRA KEOGH Accounts

8,891

Number of Accounts for Regular Shares

649,598

Money Market Shares

189,344

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)

2,112,824,666

Total Liabilities

8,250,790,495

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

OnPoint Community Credit Union earned the Verified Healthy badge

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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.