Onpoint Community Credit Union
Phone: 1-503-228-7077
Onpoint Community Credit Union is a NCUA insured credit union
headquartered at PO Box 3750, Portland, OR 97208.
It was founded in 1932 and has approximately
$9,625 million in assets. Customers can open an account at one of its
42 branches.
Deposit Rates - January 20, 2026
| SAVINGS RATES | APY | MIN | |
|---|---|---|---|
|
SAV
|
3.75% | $0 | Compare |
|
SAV
|
5.00% | $5 | Compare |
|
SAV
|
2.25% | $100,000 | Compare |
| CD RATES | APY | MIN | |
|---|---|---|---|
|
3 Mo CD
|
0.00% | $1,000 | Compare |
|
3 Mo CD
|
1.75% | $1,001 | Compare |
|
6 Mo CD
|
0.00% | $1,000 | Compare |
|
6 Mo CD
|
2.01% | $1,001 | Compare |
|
12 Mo CD
|
0.00% | $1,000 | Compare |
|
12 Mo CD
|
2.51% | $1,001 | Compare |
|
18 Mo CD
|
0.00% | $1,000 | Compare |
|
18 Mo CD
|
2.56% | $1,001 | Compare |
|
24 Mo CD
|
0.00% | $1,000 | Compare |
|
24 Mo CD
|
2.61% | $1,001 | Compare |
|
36 Mo CD
|
0.00% | $1,000 | Compare |
|
36 Mo CD
|
2.65% | $1,001 | Compare |
|
48 Mo CD
|
2.45% | $1,000 | Compare |
|
48 Mo CD
|
2.70% | $1,001 | Compare |
| MM RATES | APY | MIN | |
|---|---|---|---|
|
Money Market
|
0.35% | $0 | Compare |
|
Money Market
|
0.35% | $5,000 | Compare |
|
Money Market
|
0.35% | $50,000 | Compare |
| VARIABLE IRA RATES | APY | MIN |
|---|---|---|
|
VIRA
|
0.10% | $0 |
| INT CHECKING RATES | APY | MIN |
|---|---|---|
|
INTCK
|
0.05% | $0 |
|
INTCK
|
0.05% | $25,000 |
Loan Rates - January 20, 2026
| MORTGAGE PURCHASE | APR(%) | MONTHLY PAYMENT |
|---|---|---|
|
5 Year Adjustable Conforming
|
8.22% | $2,182.96 |
|
15 Year Fixed Conforming
|
6.77% | $2,810.46 |
|
30 Year Fixed Jumbo
|
7.17% | $2,156.98 |
|
30 Year Fixed Conforming
|
7.21% | $2,156.98 |
| MORTGAGE REFINANCE | APR(%) | MONTHLY PAYMENT |
|---|---|---|
|
5 Year Adjustable Conforming
|
8.22% | $2,182.96 |
|
15 Year Fixed Conforming
|
6.77% | $2,810.46 |
|
30 Year Fixed Jumbo
|
7.17% | $2,156.98 |
|
30 Year Fixed Conforming
|
7.21% | $2,156.98 |
| AUTO LOAN RATES | APR(%) | MONTHLY PAYMENT |
|---|---|---|
|
3 Year
|
3.74% | $735.21 |
|
4 Year
|
3.74% | $561.57 |
|
5 Year
|
3.74% | $457.49 |
Overview 2026
General Credit Union Information
| NCUA Insured | Yes / State-Chartered |
| Charter Number | # 62745 |
| Date Established | 1932 |
| Assets | $9,624.93 million |
| Loans | $6,048.67 million |
| Deposits | $8,095.75 million |
| Capital | $1,345.20 million |
Customer Reviews for Onpoint Community Credit Union
Branches
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Onpoint Community Credit Union Locations
Savings Comparison
This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."
PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES
Tax Rate: 30%
All calculations are for demonstration purposes only."
- 1LOCAL SAVINGSCredit Union-$50,000N.A.3.75%16.67x (National Avg. - 0.23%)$0-SCENARIO
Year Rate
3.75%Annual
InterestAnnual Interest
(After Tax)1 50,000 1,875 1,313 2 51,875 1,945 1,362 3 53,820 2,018 1,413 4 55,839 2,094 1,466 5 57,933 2,172 1,521 6 60,105 2,254 1,578 7 62,359 2,338 1,637 8 64,697 2,426 1,698 9 67,124 2,517 1,762 10 69,641 2,612 1,828 11 72,252 2,709 1,897 12 74,962 2,811 1,968 13 77,773 2,916 2,042 14 80,689 3,026 2,118 15 83,715 3,139 2,198 16 86,854 3,257 2,280 17 90,111 3,379 2,365 18 93,491 3,506 2,454 19 96,996 3,637 2,546 20 100,634 3,774 2,642 TOTAL $54,408 $38,085 - 2ONLINE SAVINGSBank-$50,000N.A.3.75%16.67x (National Avg. - 0.23%)$1,000-SCENARIO
Year Rate
3.75%Annual
InterestAnnual Interest
(After Tax)1 50,000 1,875 1,313 2 51,875 1,945 1,362 3 53,820 2,018 1,413 4 55,839 2,094 1,466 5 57,933 2,172 1,521 6 60,105 2,254 1,578 7 62,359 2,338 1,637 8 64,697 2,426 1,698 9 67,124 2,517 1,762 10 69,641 2,612 1,828 11 72,252 2,709 1,897 12 74,962 2,811 1,968 13 77,773 2,916 2,042 14 80,689 3,026 2,118 15 83,715 3,139 2,198 16 86,854 3,257 2,280 17 90,111 3,379 2,365 18 93,491 3,506 2,454 19 96,996 3,637 2,546 20 100,634 3,774 2,642 TOTAL $54,408 $38,085
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