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: 0.00%

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OnPoint Community Credit Union

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OnPoint Community Credit Union Rates & Review June 2026

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: June 16, 2026

OnPoint Community Credit Union's Traditional & Roth IRA CDs of Deposit - 60 month rates are at 2.55%, 60 month rates are at 2.50%, Business CDs of Deposit 60 month rates are at 2.50%, Traditional & Roth IRA CDs of Deposit - 48 month rates are at 2.50%, 48 month rates are at 2.45%. OnPoint Community Credit Union's savings rates are at 0.10%. OnPoint Community Credit Union's money market rates are at 0.00%. OnPoint Community Credit Union's 15 year fixed rate rates are at 5.62%, VA Loan rates are at 6.12%, FHA Loan rates are at 6.12%, 30 year jumbo fixed rate rates are at 6.25%, 30 year fixed rate rates are at 6.25%. OnPoint Community Credit Union's Personal Loan Rates are at 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 3.75%. Rates were last updated on 06/16/2026.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.75%

Excellent Lower than avg

OnPoint Community Credit Union
Montgomery Park

2701 NW Vaughn St
Portland, OR 97210

https://www.onpointcu.com

OnPoint Community Credit Union CD Rates

Product	Rate	APY	Term
Traditional & Roth IRA Certificates of Deposit - 60 month	2.52%	2.55%	60 months
Min Deposit $1,000 Min Balance $1,000 Details APY with OnPoint Rewards: 2.81%; Interest rate with OnPoint Rewards: 2.77% Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
60 month	2.47%	2.50%	60 months
Min Deposit $1,000 Min Balance $1,000 Details APY with OnPoint Rewards: 2.75%; Interest rate with OnPoint Rewards: 2.72% Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
Business Certificates of Deposit 60 month	2.47%	2.50%	60 months
Min Deposit $1,000 Min Balance $1,000 Details APY with OnPoint Rewards: 2.75%; Interest rate with OnPoint Rewards: 2.72% Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
Traditional & Roth IRA Certificates of Deposit - 48 month	2.47%	2.50%	48 months
Min Deposit $1,000 Min Balance $1,000 Details APY with OnPoint Rewards: 2.75%; Interest rate with OnPoint Rewards: 2.72% Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
48 month	2.42%	2.45%	48 months
Min Deposit $1,000 Min Balance $1,000 Details APY with OnPoint Rewards: 2.70%; Interest rate with OnPoint Rewards: 2.67% Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
Business Certificates of Deposit 48 month	2.42%	2.45%	48 months
Min Deposit $1,000 Min Balance $1,000 Details APY with OnPoint Rewards: 2.70%; Interest rate with OnPoint Rewards: 2.67% Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
Traditional & Roth IRA Certificates of Deposit - 36 month	2.42%	2.45%	36 months
Min Deposit $1,000 Min Balance $1,000 Details APY with OnPoint Rewards: 2.70%; Interest rate with OnPoint Rewards: 2.67% Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
Traditional & Roth IRA Certificates of Deposit - 24 month	2.38%	2.41%	24 months
Min Deposit $1,000 Min Balance $1,000 Details APY with OnPoint Rewards: 2.66%; Interest rate with OnPoint Rewards: 2.63% Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
36 month	2.37%	2.40%	36 months
Min Deposit $1,000 Min Balance $1,000 Details APY with OnPoint Rewards: 2.65%; Interest rate with OnPoint Rewards: 2.62% Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
Business Certificates of Deposit 36 month	2.37%	2.40%	36 months
Min Deposit $1,000 Min Balance $1,000 Details APY with OnPoint Rewards: 2.65%; Interest rate with OnPoint Rewards: 2.62% Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
24 month	2.33%	2.36%	24 months
Min Deposit $1,000 Min Balance $1,000 Details APY with OnPoint Rewards: 2.61%; Interest rate with OnPoint Rewards: 2.58% Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
Business Certificates of Deposit 24 month	2.33%	2.36%	24 months
Min Deposit $1,000 Min Balance $1,000 Details APY with OnPoint Rewards: 2.61%; Interest rate with OnPoint Rewards: 2.58% Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
Traditional & Roth IRA Certificates of Deposit - 18 month	2.33%	2.36%	18 months
Min Deposit $1,000 Min Balance $1,000 Details APY with OnPoint Rewards: 2.61%; Interest rate with OnPoint Rewards: 2.58% Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
18 month	2.28%	2.30%	18 months
Min Deposit $1,000 Min Balance $1,000 Details APY with OnPoint Rewards: 2.56%; Interest rate with OnPoint Rewards: 2.53% Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
Business Certificates of Deposit 18 month	2.28%	2.30%	18 months
Min Deposit $1,000 Min Balance $1,000 Details APY with OnPoint Rewards: 2.56%; Interest rate with OnPoint Rewards: 2.53% Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
Traditional & Roth IRA Certificates of Deposit - 12 month	2.28%	2.30%	12 months
Min Deposit $1,000 Min Balance $1,000 Details APY with OnPoint Rewards: 2.56%; Interest rate with OnPoint Rewards: 2.53% Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
12 month	2.23%	2.25%	12 months
Min Deposit $1,000 Min Balance $1,000 Details APY with OnPoint Rewards: 2.51%; Interest rate with OnPoint Rewards: 2.48% Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
Business Certificates of Deposit 12 month	2.23%	2.25%	12 months
Min Deposit $1,000 Min Balance $1,000 Details APY with OnPoint Rewards: 2.51%; Interest rate with OnPoint Rewards: 2.48% Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
Traditional & Roth IRA Certificates of Deposit - 6 month	1.79%	1.80%	6 months
Min Deposit $1,000 Min Balance $1,000 Details APY with OnPoint Rewards: 2.06%; Interest rate with OnPoint Rewards: 2.04% Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
6 month	1.74%	1.75%	6 months
Min Deposit $1,000 Min Balance $1,000 Details APY with OnPoint Rewards: 2.01%; Interest rate with OnPoint Rewards: 1.99% Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
Business Certificates of Deposit 6 month	1.74%	1.75%	6 months
Min Deposit $1,000 Min Balance $1,000 Details APY with OnPoint Rewards: 2.01%; Interest rate with OnPoint Rewards: 1.99% Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
Traditional & Roth IRA Certificates of Deposit - 3 month	1.54%	1.55%	3 months
Min Deposit $1,000 Min Balance $1,000 Details APY with OnPoint Rewards: 1.80%; Interest rate with OnPoint Rewards: 1.79% Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
3 month	1.49%	1.50%	3 months
Min Deposit $1,000 Min Balance $1,000 Details APY with OnPoint Rewards: 1.75%; Interest rate with OnPoint Rewards: 1.74% Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
Business Certificates of Deposit 3 month	1.49%	1.50%	3 months
Min Deposit $1,000 Min Balance $1,000 Details APY with OnPoint Rewards: 1.75%; Interest rate with OnPoint Rewards: 1.74% Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%

OnPoint Community Credit Union Savings Rates

Product	Rate	APY
OnPoint Savers® Account	4.89%	5.00%
Min Deposit $5 Min Balance $5 Details 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. 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 Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
Member Savings	3.45%	3.50%
Min Balance $5 Details Balance $0 - $1,000 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
OnPoint Premium Savings	3.45%	3.50%
Min Balance $0 Details Qualifications 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.; Maximum Program Deposit Amount ($250,000.00) may be swept to NCUA or FDIC insured deposit accounts at participating Receiving Financial Institutions. Maximum Program Deposit Amount and Receiving Financial Institutions may be changed at any time. One OnPoint Premium Savings Account per member/TIN. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
OnPoint Premium Savings	1.99%	2.00%
Min Balance $0 Details Qualifications 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.; Maximum Program Deposit Amount ($250,000.00) may be swept to NCUA or FDIC insured deposit accounts at participating Receiving Financial Institutions. Maximum Program Deposit Amount and Receiving Financial Institutions may be changed at any time. One OnPoint Premium Savings Account per member/TIN. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
OnPoint Business Loyalty Savings Account	0.35%	0.35%
Min Balance $0 Details Balance: $0 - $49,999.99 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
OnPoint Loyalty Savings	0.35%	0.35%
Min Balance $0 Details $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 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
OnPoint Loyalty Savings and higher	0.35%	0.35%
Min Balance $0 Details $250,000; 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 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
IRA savings	0.15%	0.15%
Min Balance $0 Details Balance $0.00 and higher Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
Business savings & business secondary savings	0.10%	0.10%
Min Balance $5 Details No monthly fee Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
Member Savings	0.10%	0.10%
Details Balance $1,000.01 and higher Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
Secondary Savings	0.10%	0.10%
Min Balance $0 Details Balance $0.00 and higher Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%

OnPoint Community Credit Union Money Market Rates

Product	Rate	APY
Nonprofit Money Market	3.45%	3.50%
Min Deposit $0 Min Balance $0 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
Money Market IRA	0.20%	0.20%
Min Balance $0 Details Deposit amount: $0-$9,999.99 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
Business Money Market	0.15%	0.15%
Min Balance $1,000 Details Monthly service fee if below minimum balance: $10.00 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
FlexSmart Money Market	0.15%	0.15%
Min Balance $0 Details $5,000-$9,999.99 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
FlexSmart Money Market -4,999.99	0.15%	0.15%
Min Balance $0 Details $0 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
Nonprofit Money Market	-	0.00%
Min Deposit $0 Min Balance $250,000 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%

OnPoint Community Credit Union Checking Rates

Product	Rate	APY
IOLTA Checking	2.79%	2.82%
Min Balance $0 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
HSA Checking	0.05%	0.05%
Details $0 - $24,999 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
HSA Checking and higher	0.05%	0.05%
Details $25,000 Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
Analyzed Checking	-	0.00%
Min Balance $100 Details Earnings Credit: 1.05% Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%

OnPoint Community Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
15 year fixed rate	5.63%	0.375%	5.77%
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. 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. 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. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
VA Loan	6.13%	0.500%	6.23%
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. 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. 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. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
FHA Loan	6.13%	0.500%	6.24%
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. 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. 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. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
30 year jumbo fixed rate	6.25%	0.500%	6.34%
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. 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. 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. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
Home loans 30-year fixed	-	-	6.35%	30-year
Details As Low As; * APR = Annual Percentage Rate Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
30 year fixed rate	6.25%	0.625%	6.37%
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. 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. 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. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
5/5 jumbo ARM	6.25%	0.500%	6.72%
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. 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. 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. 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. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
5/5 ARM	6.25%	0.625%	6.74%
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. 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. 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. 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. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%

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 Fixed APR. Borrowers who are eligible for OnPoint Rewards receive 0.25% off of the APR for fixed rate portions of EquityFlex loans when converted. Fixed Portion Options with proceeds used to purchase solar panels receive a 0.25% discount off stated APR. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
HELOC EquityFlex Interest Only Line of Credit	-	-	6.75%	10-year draw period, 20-year amortization period
Details Variable APR. For EquityFlex Interest Only Line of Credit, the amount financed may not exceed $150,000. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
HELOC EquityFlex Line of Credit	-	-	6.75%	10-year draw period, 20-year amortization period
Details Variable APR. For EquityFlex Line of Credit with LTV over 80%, the amount financed may not exceed $50,000. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
Home Equity EquityFlex Fixed Portion Option	-	-	7.00%	5 - 20 years
Details Fixed APR. Borrowers who are eligible for OnPoint Rewards receive 0.25% off of the APR for fixed rate portions of EquityFlex loans when converted. Fixed Portion Options with proceeds used to purchase solar panels receive a 0.25% discount off stated APR. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
HELOC EquityFlex Line of Credit	-	-	8.75%	10-year draw period, 20-year amortization period
Details Variable APR. For EquityFlex Line of Credit with LTV over 80%, the amount financed may not exceed $50,000. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
HELOC Non-Owner Occupied EquityFlex Line of Credit	-	-	9.00%	10-year draw period, 20-year amortization period
Details Variable APR. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
Home Equity Non-Owner Occupied Fixed Portion Option	-	-	9.50%	10 - 20 years
Details Fixed APR. Borrowers who are eligible for OnPoint Rewards receive 0.25% off of the APR for fixed rate portions of EquityFlex loans when converted. Fixed Portion Options with proceeds used to purchase solar panels receive a 0.25% discount off stated APR. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
Home Equity EquityFlex Fixed Portion Option	-	-	10.25%	10 - 15 years
Details Fixed APR. Borrowers who are eligible for OnPoint Rewards receive 0.25% off of the APR for fixed rate portions of EquityFlex loans when converted. Fixed Portion Options with proceeds used to purchase solar panels receive a 0.25% discount off stated APR. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%

OnPoint Community Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
2020-2022 Used Auto Loans (Cars, trucks & vans)	-	-	4.74%	36 - 60 months
Details Estimated minimum monthly payment: $281.29 based on a 60 month, $15,000 loan at 4.74% APR* Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
2023 & Newer Auto Loans (Cars, trucks & vans) - 36 - 60 months	-	-	4.74%	60 Months
Details Annual percentage rate (fixed)* Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
Auto loans	-	-	4.74%
Details As Low As; * APR = Annual Percentage Rate Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
Older Used Auto Loans and Other Titled Vehicles	-	-	4.74%	36-60 month
No additional details. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
2020-2022 Used Auto Loans (Cars, trucks & vans)	-	-	4.99%	72 months
Details Estimated minimum monthly payment: $241.50 based on a 72 month, $15,000 loan at 4.99% APR* Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
2023 & Newer Auto Loans (Cars, trucks & vans) - 72 months	-	-	4.99%	72 months
Details Annual percentage rate (fixed)* Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
Older Used Auto Loans and Other Titled Vehicles	-	-	4.99%	72 months
No additional details. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
2020-2022 Used Auto Loans (Cars, trucks & vans)	-	-	5.24%	84 months
Details Estimated minimum monthly payment: $213.70 based on a 84 month, $15,000 loan at 5.24% APR* Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
2023 & Newer Auto Loans (Cars, trucks & vans) - 84 months	-	-	5.24%	84 months
Details Annual percentage rate (fixed)* Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
2023 & Newer Auto Loans (Cars, trucks & vans) - 96 months	-	-	6.99%	96 months
Details Annual percentage rate (fixed)* Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%

OnPoint Community Credit Union Credit Card Rates

Product	Rate	APR
Platinum Visa Purchases	-	11.50%
Details Intro rate expires: 6 months; Regular APR: 11.50% - 22.00% based on creditworthiness Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
Visa credit cards	-	11.50%
Details As Low As; * APR = Annual Percentage Rate Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
Business Platinum Visa with Rewards - Purchases	-	12.50%
Details Based on creditworthiness. APR will vary with the market based on the prime rate. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
Platinum Visa with Rewards - Purchases	-	12.50%
Details Intro rate expires: 6 months; Regular APR: 12.50% - 23.00% based on creditworthiness Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
Platinum Visa Balance transfers	-	13.50%
Details Intro rate expires: 12 months; Regular APR: 13.50% - 24.00% based on creditworthiness Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
Platinum Visa Cash advances	-	13.50%
Details Regular APR: 13.50% - 24.00% based on creditworthiness Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
Signature Visa with Cash Back Rewards - Purchases	-	13.50%
Details Intro rate expires: 6 months; Regular APR: 13.50% - 24.00% depending on your creditworthiness Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
Signature Visa with Rewards - Purchases	-	13.50%
Details Intro rate expires: 6 months; Regular APR: 13.50% - 24.00% Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
Business Platinum Visa with Rewards - Balance transfers	-	14.50%
Details Based on creditworthiness. APR will vary with the market based on the prime rate. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
Business Platinum Visa with Rewards - Cash advances	-	14.50%
Details Based on creditworthiness. APR will vary with the market based on the prime rate. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
Platinum Visa with Rewards - Balance transfers	-	14.50%
Details Intro rate expires: 12 months; Regular APR: 14.50% - 25.00% based on creditworthiness Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
Platinum Visa with Rewards - Cash advances	-	14.50%
Details Regular APR: 14.50% - 25.00% based on creditworthiness Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
Signature Visa with Cash Back Rewards - Balance transfers	-	15.50%
Details Intro rate expires: 12 months; Regular APR: 15.50% - 26.00% depending on your creditworthiness Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
Signature Visa with Cash Back Rewards - Cash advances	-	15.50%
Details Regular APR: 15.50% - 26.00% depending on your creditworthiness Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
Signature Visa with Rewards - Balance transfers	-	15.50%
Details Intro rate expires: 12 months; Regular APR: 15.50% - 26.00% Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
Signature Visa with Rewards - Cash advances	-	15.50%
Details Regular APR: 15.50% - 26.00% Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%

OnPoint Community Credit Union Personal Loan Rates

Product	Rate	APR
Personal loan	-	11.00%
Details fixed rate; Personal loan minimum amount $100, not to exceed $25,000. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%
Personal line of credit	-	16.75%
Details variable rate; 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. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.75%

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

MonitorBankRates Star Rating

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

Texas Ratio

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

Rate Data Aggregation

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

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

Credit Union Profile & Overview

Credit Union Name OnPoint Community Credit Union

Website https://www.onpointcu.com

Address 2701 NW Vaughn St, Portland, OR 97210

Phone 800-527-3932

Fax 503-273-1787

President Darren Nakata

CEO Robert Stuart

Full-Time Employees 1,253

Part-Time Employees 10

Branch Locations 57

ATM Locations 58

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.75%

Return on Assets (ROA)

0.9879%

Return on Equity (ROE)

7.0682%

Non-Performing Loans Ratio (NPL)

0.87%

Total Assets

9,624,934,130

Total Amount of Shares and Deposits

8,095,746,966

Total Shares and Deposits < 1 Year

7,906,401,233

Total Shares and Deposits 1 3 Years

157,052,380

Total Shares and Deposits > 3 Years

32,293,353

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

267,186,141

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

267,186,141

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

7,828,560,825

Total Interest Expense (Sum of items 6 8)

98,411,808

Share Certificates

9,118

Number of Accounts for Share Drafts

537,877

IRA KEOGH Accounts

9,072

Number of Accounts for Regular Shares

631,722

Money Market Shares

180,698

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

2,031,408,140

Total Liabilities

8,284,610,149

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About OnPoint Community Credit Union

How many branches does OnPoint Community Credit Union operate?

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

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

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

Is there a first-time homebuyer program?

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

Are credit management and repair services offered?

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

Does OnPoint Community Credit Union offer online and mobile banking?

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

Current OnPoint Community Credit Union Rates

12-Month CD2.25%
18-Month CD2.30%
24-Month CD2.36%
60-Month CD2.50%
Savings0.10%
MMA0.00%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

OnPoint Community Credit Union Rates & Review June 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

OnPoint Community Credit Union Texas Ratio

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 Home Equity & HELOC

OnPoint Community Credit Union Auto Loan Rates

OnPoint Community Credit Union Credit Card Rates

OnPoint Community Credit Union Personal Loan Rates

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Customer Reviews

Frequently Asked Questions About OnPoint Community Credit Union

How many branches does OnPoint Community Credit Union operate?

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does OnPoint Community Credit Union offer online and mobile banking?

Current OnPoint Community Credit Union Rates

Compare to Other Credit Unions