Onpoint Community Credit Union
Headquarters
Po Box 3750
Portland, OR 97208
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Phone 1-503-228-7077
2024 Overview
General Credit Union Information
Onpoint Community is an NCUA insured institution located in Portland, OR. It was founded in 1932 and has approximately $9426.25 millions in assets.
Who can join?
Consumer Membership
Consumer membership in OnPoint Community Credit Union is open to everyone who lives or works in Benton, Clackamas, Columbia, Crook, Deschutes, Jefferson, Lane, Linn, Marion, Multnomah, Polk, Washington, and Yamhill counties in Oregon and Clark and Skamania counties in Washington. Membership is also open to family members of current OnPoint Community Credit Union members.
Business Membership
Please fill out the Business Membership Request Form under the “Join Now – Business” tab, visit your nearest branch, or contact Member Services at 503.228.7077 or 800.527.3932 to learn more about the specific membership requirements for your type of business.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 62745 |
| Date Established | 1932 |
| Assets | $9,426.25 million |
| Loans | $5,518.55 million |
| Deposits | $8,039.36 million |
| Capital | $1,197.74 million |
Field of Membership Restrictions
Membership in OnPoint Community Credit Union is open to those who live or work in Benton, Crook, Clackamas, Columbia, Deschutes, Lane, Jefferson, Linn, Multnomah, Marion, Washington, Polk or Yamhill counties in Oregon and Skamania or Clark counties in Washington. Membership is also open to immediate family of those eligible for membership.
Deposit Rates - November 21, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Premium Bundle Rewards Savings
|
5.25% | $0 | $100,000 |
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|
| OnPoint Savers Account
|
5.00% | $5 | $500 |
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|
| SAV
|
3.75% | $100,000 | - |
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|
|
Money Market
|
0.15% | $0 | $4,999 |
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|
|
Money Market
|
0.15% | $5,000 | $9,999 |
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|
|
Money Market
|
0.15% | $50,000 | $99,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 3 Month
|
1.50% | $1,000 | - |
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|
| 3 Month bundle rewards
|
1.75% | $1,001 | - |
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|
| 6 Month
|
1.75% | $1,000 | - |
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|
| 6 Month bundle rewards
|
2.01% | $1,001 | - |
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|
| 12 Month
|
2.25% | $1,000 | - |
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|
| 12 Month bundle rewards
|
2.51% | $1,001 | - |
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|
| 18 Month
|
2.30% | $1,000 | - |
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|
| 18 Month bundle rewards
|
2.56% | $1,001 | - |
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|
| 24 Month
|
2.36% | $1,000 | - |
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|
| 24 Month bundle rewards
|
2.61% | $1,001 | - |
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|
| 36 Month
|
2.40% | $1,000 | - |
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|
| 36 Month bundle rewards
|
2.65% | $1,001 | - |
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|
| 48 Month
|
2.45% | $1,000 | - |
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|
| 48 Month bundle rewards
|
2.70% | $1,001 | - |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| VIRA
|
0.15% | $0 | - | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Interest Checking
|
0.05% | $0 | $999 | Learn More |
| Interest Checking
|
0.05% | $5,000 | - | Learn More |
Loan Rates - November 21, 2024
Your Current Location: Ohio, OH 43085
| Home Equity Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| Line of Credit See Table |
5.25% | 5.25% | Varies | |
Compare with 7.24 RATE Line of Credit from Third Federal Savings and Loan
See All Home Equity Rates |
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| Auto Loan Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 3 Year | 3.74% | 3.74% | $735.21 | |
| 4 Year | 3.74% | 3.74% | $561.57 | |
| 5 Year | 3.74% | 3.74% | $457.49 |
| Refinance Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 5 Year Adjustable Conforming See Amortization Table |
8.22% | 7.25% | $2,182.96 | |
| 15 Year Fixed Conforming See Amortization Table |
6.77% | 6.63% | $2,810.46 | |
| 30 Year Fixed Jumbo See Amortization Table |
7.17% | 7.13% | $2,156.98 | |
| 30 Year Fixed Conforming See Amortization Table |
7.21% | 7.13% | $2,156.98 |
| Purchase Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 5 Year Adjustable Conforming See Amortization Table |
8.22% | 7.25% | $2,182.96 | |
| 15 Year Fixed Conforming See Amortization Table |
6.77% | 6.63% | $2,810.46 | |
| 30 Year Fixed Jumbo See Amortization Table |
7.17% | 7.13% | $2,156.98 | |
Compare with 6.494% APR and 6.375% 30-Year Fixed RATE from Pure Rate Mortgage
See All Mortgage Rates |
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| 30 Year Fixed Conforming See Amortization Table |
7.21% | 7.13% | $2,156.98 | |
|
Compare with 6.494% APR and 6.375% 30-Year Fixed RATE from Pure Rate Mortgage
See All Mortgage Rates |
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Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.
Branches
Below are Onpoint Community branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Onpoint Community Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 1165.93 | A | View Lobby Hours | |
| 2045.21 | B | View Lobby Hours | |
| 2050.03 | C | View Lobby Hours | |
| 2050.25 | D | View Lobby Hours | |
| 2125.25 | E | View Lobby Hours | |
| 2130.10 | F | View Lobby Hours | |
| 2130.19 | G | View Lobby Hours | |
| 2131.08 | H | View Lobby Hours | |
| 2131.79 | I | View Lobby Hours | |
| 2132.99 | J | View Lobby Hours | |
| 2134.19 | K | View Lobby Hours | |
| 2135.82 | L | View Lobby Hours | |
| 2136.85 | M | View Lobby Hours | |
| 2137.74 | N | View Lobby Hours | |
| 2138.77 | O | View Lobby Hours | |
| 2139.48 | P | View Lobby Hours | |
| 2139.59 | Q | View Lobby Hours | |
| 2139.84 | R | View Lobby Hours | |
| 2140.18 | S | View Lobby Hours | |
| 2142.92 | T | View Lobby Hours | |
| 2144.28 | U | View Lobby Hours | |
| 2144.56 | V | View Lobby Hours | |
| 2149.87 | W | View Lobby Hours | |
| 2160.81 | X | View Lobby Hours |
Climate Policy and Initiatives
ONPOINT COMMUNITY is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Onpoint Community Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Onpoint Community. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Onpoint Community | U.S. Average |
|---|---|
| 2.78% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, Onpoint Community had $32,637,123 in non-current loans and $990,384 in owned assets. To cover these potential losses it had $1,197,736,723 in net worth and $11,923,045 in loans loss reserves. That gives it a Texas Ratio of 2.78%.
Net Worth
| Onpoint Community | U.S. Average |
|---|---|
| 12.7% | 13.93% |
Onpoint Community FCU has a net worth of 12.7% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Onpoint Community
Bradley, Elizabeth
May 31, 2021 |
Joshua from your security service deserves a great review. He helped cancel my card after it was stolen.
Is this review helpful? Yes:0 / No: 0
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