OnPoint Community Credit Union Review
OnPoint CU is Oregon’s largest credit union, offering low-fee checking, high-yield savings, and member benefits.
Customer Satisfaction
Established
Total Assets
Featured Products
Checking: | OnPoint Free Checking | No monthly fee |
Savings: | OnPoint Savings | 20.00% APY |
Credit: | OnPoint Cash Rewards Mastercard | 1.5% cash back |
Mortgage: | 30-Year Fixed | 4.00% interest rate |
Fee Rating
2.8/5
Lower is better
FDIC Insured
No
Digital Banking
4.3/5
Online & Mobile Experience
Branch Network
30
Physical Locations
Key Features
- No-fee accounts; strong digital tools.
Bank Information
Routing Number
322083123
SWIFT Code
OPCUUS44
Branch Hours
Mon-Fri: 9am-5pm, Sat: 9am-12pm, Sun: Closed
Customer Service
1-800-365-3675
Mon–Fri 7am–7pm PT
Headquarters
Portland, OR, USA
Years in Business
93 years (Est. 1932)
Login Information
Online Banking Login
Access Online Banking
Password Requirements
6–12 chars
Two-Factor Authentication
SMS
Forgot Password
Reset PasswordSecurity Features
SSL; device timeout
Login Instructions
Enter Member # & PIN → verify
Login Help
Call customer service: 1-800-365-3675
Hours: Mon–Fri 7am–7pm PT
Products & Services
Accounts & Products
Checking
OnPoint Free Checking
Monthly Fee
$0
Minimum Balance
$0
Card Type
$Debit
Minimum Deposit
$25
Overdraft Fee
$25
ATM Fee
$1.5
Savings
OnPoint Savings
APY
$20.00%
Annual Earnings
$20.00
Compounds
$Monthly
Minimum Balance
$25
Monthly Fee
$0
Withdrawal Limit
$6/month
Credit Card
OnPoint Cash Rewards Mastercard
Annual Fee
$0
Cash Back
$1.5%
APR Range
$14.99% - 24.99%
Network
$Mastercard
Mortgage
30-Year Fixed
Interest Rate
$4%
APR
$4.125%
Term
$30 Years
Min Down Payment
$5%
Min Loan Amount
$50,000
Max Loan Amount
$600,000
Digital Banking Experience
Mobile App Rating
Very Good mobile experience
Online Banking
Very Good online experience
Customer Service
Very Good customer support
Digital Features
Ready to Start Banking with OnPoint Community Credit Union?
Visit their website to explore account options and start your application