OnPoint Community Credit Union

Financially Strong for You

Financial services in Hillsboro, OR (show on map)

3.5

★★★★☆

105 reviews

A community credit union serving Oregon and SW Washington with personal and business banking, loans, and financial education.

Call (503) 228-7077

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About

OnPoint Community Credit Union is a federally insured, member-owned financial cooperative serving Oregon and Southwest Washington. It offers a full range of personal and business financial products including checking and savings accounts, certificates of deposit, IRA and HSA accounts, home equity and mortgage loans, auto loans, business loans and credit cards, and investment services through Raymond James Financial Services.

OnPoint emphasizes community impact through initiatives like the OnPoint Prize for Excellence in Education, Green Horizons sustainability programs, and financial education resources. It has been serving its community for 90 years and is committed to inclusive, member-focused banking.

Member-owned credit union

90 years of community service

OnPoint Prize for Excellence in Education

Green Horizons sustainability program

Summer Skip Pay option

OnPoint Savers bonus for youth

OnPoint Business Rewards with discounts and bonuses

Access to 70,000+ ATMs nationwide

Services

Checking Accounts

Robust checking accounts with digital banking tools, access to 70,000+ ATMs nationwide, and Tap to Pay debit card.

Digital banking 70,000+ ATM access Tap to Pay debit card

Savings Accounts

High-yield savings accounts including OnPoint Savers for members 17 and younger and OnPoint Loyalty Savings Account.

High interest rates OnPoint Savers bonus deposit OnPoint Rewards eligibility

Home Loans & Equity

Home financing including 30-year fixed mortgages as low as 6.366% APR.

30-year fixed rate Home equity options Competitive APR

Auto Loans

Auto financing with special rates as low as 4.74% APR.

Low APR Auto financing Summer Skip Pay option

Business Checking & Savings

Business deposit accounts including business checking, business savings, and nonprofit solutions.

Business Digital Banking Nonprofit solutions OnPoint Business Rewards

Business Loans & Lines of Credit

Small business loans, lines of credit, commercial loans, and business credit cards.

Small business loans Commercial loans Business credit cards

Credentials & Certifications

NCUA Federal Insurance

Reviews

Rating

3.5

★★★★☆

Reviews

105

"Quick service Always very kind and professional"

Frequently Asked Questions

Can I skip loan payments this summer? +

Yes, OnPoint offers Summer Skip Pay allowing you to skip June or July 2026 payments on eligible loans.

What is the routing number for OnPoint Community Credit Union? +

The routing number is 323075880.

Can I access funds in my savings account at any time? +

Yes, you can access funds anytime through transfers to your checking account in Digital Banking or with an ATM card.

What is an OnPoint Savers account? +

OnPoint Savers is a high-yield savings account for members 17 and younger. Opening a child's membership with a minimum of $25 results in an additional $55 deposit from OnPoint.

What is the OnPoint Loyalty Savings Account? +

The OnPoint Loyalty Savings Account earns extra on every dollar saved. It requires no minimum opening deposit and is available to those with at least six transactions per month or 10 years of membership with an active Premium Savings account.

How do I qualify for OnPoint Rewards? +

You must have a 10-year relationship with OnPoint and six qualified transactions (deposits, withdrawals, automatic payments, checks, debit card) in the same checking account during the qualification period. OnPoint-generated transactions like fees or interest credits do not count.

What are the auto loan rates at OnPoint? +

Auto loans are available with special rates as low as 4.74% APR.

What are the home loan rates at OnPoint? +

30-year fixed home loans are available as low as 6.366% APR.