ONPOINT COMMUNITY

PO Box 3750
Portland, OR 97208

Phone: 1-503-228-7077

Notable Rates APY Vs.Others
Savings 0.05% 2.60% →
1-Year CD 1.75% 2.25% →
2-Year CD 1.85% 2.50% →
5-Year CD 1.70% 2.80% →
30-Year Mortgage 3.71% 3.31% →
15-Year Mortgage 3.27% 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Credit Union Information

Onpoint Community is an NCUA insured institution located in Portland, OR. It was founded in 1932 and has approximately $5823.89 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
Charter Number # # 62745
Date Established 1932
Assets $5,823.89 million
Loans $3,585.03 million
Deposits $4,634.92 million
Capital $683.80 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 20, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.05% $1 $9,999 Learn MoreShow Less
Money Market
0.10% $10,000 $49,999 Learn MoreShow Less
Premium Money Market Account
0.10% $10,000 $49,999 Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
1.50% $1,000 $49,999 Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
1.50% $1,000 $49,999 Learn MoreShow Less
3 Mo CD
1.75% $50,000 - Learn MoreShow Less
1.50% $1,000 $49,999 Learn MoreShow Less
6 Mo CD
1.75% $50,000 - Learn MoreShow Less
1.50% $1,000 $49,999 Learn MoreShow Less
12 Mo CD
1.75% $50,000 - Learn MoreShow Less
18 Mo CD
1.60% $1,000 $49,999 Learn MoreShow Less
18 Mo CD
1.85% $50,000 - Learn MoreShow Less
24 Mo CD
1.60% $1,000 $49,999 Learn MoreShow Less
24 Mo CD
1.85% $50,000 - Learn MoreShow Less
36 Mo CD
1.60% $1,000 $49,999 Learn MoreShow Less
36 Mo CD
1.85% $50,000 - Learn MoreShow Less
48 Mo CD
1.65% $1,000 $49,999 Learn MoreShow Less
48 Mo CD
1.90% $50,000 - Learn MoreShow Less
60 Mo CD
1.70% $1,000 $49,999 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.05% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 $999 Learn MoreShow Less
Int Ckg
0.05% $1,000 $4,999 Learn MoreShow Less

Loan Rates - November 20, 2019

Your Current Location: Virginia, VA 20146

Home Equity Rates APR Rate Monthly Payment
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
Purchase Mortgage Rates APR Rate Monthly Payment

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:
Ashburn,Virginia


Onpoint Community Locations


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
0.93% 5.86

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, 2019, Onpoint Community had $6,173,241 in non-current loans and $278,481 in owned assets. To cover these potential losses it had $683,802,083 in net worth and $11,464,399 in loans loss reserves. That gives it a Texas Ratio of 0.93%.

Net Worth
Onpoint Community U.S. Average
11.74% 13.65%

Onpoint Community FCU has a net worth of 11.74% versus the BestCashCow average of 13.65. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Onpoint Community

Branches and Savings

What is Onpoint Community?

A federal credit union, registered with the NCUA under certificate #62745.
Learn more about credit unions here.

Is Onpoint Community FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Onpoint Community?

Please see Field of Membership information above for information on who is eligible to join.

What are Onpoint Community's share account and share certificate rates?

Onpoint Community's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Onpoint Community?

Onpoint Community has total capital of $683.80 million. Full information on Onpoint Community's financial position is located above.

Who owns Onpoint Community?

Credit Unions are owned by their members.

Where are Onpoint Community branches located?

See branch locations nearby.

Are Onpoint Community ATMs Open 24/7?

Do Onpoint Community ATMs accept cash deposits?

Can Onpoint Community customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Onpoint Community have a mobile app?

Does Onpoint Community have mobile deposit?

Does Onpoint Community have quick pay?

How can Onpoint Community transfer money to other banks or credit unions?

Does Onpoint Community report to credit bureaus?

Does Onpoint Community use Chexsystems?

Does Onpoint Community use Equifax?

What is Onpoint Community's toll free phone number?

What is Onpoint Community's ACH Routing Number?

What is Onpoint Community's SWIFT code?

Where can I find Onpoint Community's wire transfer form?

What is the Onpoint Community address for deposits?

What Products Does Onpoint Community Offer

Does Onpoint Community offer mortgages?

Compare mortgage rates here.

Does Onpoint Community offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Onpoint Community offer auto and RV loans?

Compare auto loan rates here.

Does Onpoint Community offer student loans or personal loans?

Compare personal loan rates here.

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