Onpoint Community

PO Box 3750, Portland, OR 97208

NCUA Insured3.6 (95 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1932

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Portland, OR may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

2 charter

Established in 1932

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

PO Box 3750

Portland, OR 97208

Google Maps 🗺Waze

(800) 527-3932

Service Area

This credit union is located in Portland and serves members in the OR area. Currently serving 637,073 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.99%

Used Auto Loan

5.89%

Personal Loan

12.00%

Credit Card APR

13.75%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in OR

Lowest rates currently reported by credit unions in OR (NCUA Q4 2025).

Opc— New Auto Loan

Durkee, OR

4.00%

Umatilla County— Used Auto Loan

Pendleton, OR

4.58%

Pacific Cascade— Personal Loan

Eugene, OR

5.50%

Kaiperm Northwest— Credit Card APR

Portland, OR

8.37%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(61 total)

Member Reviews

3.6

95 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Michael Best

6 months ago

I went in to get a new debit card as my old one had expired. Emma provided excellent customer service! She was very informative. She showed persistence and made every effort to make sure I was taking advantage of all the products available to me. Well done Emma!

Pax Tuti

4 months ago

Be aware!!! ATM in this location is corrupted. When withdrawing money ATM doesn't dispense money and your account gets debited. This in not the first time nor second that happened to me. I had to close my account due to this problem not being fixed. They took 500 from me and not willing to reimburse it

Richard Walden

a year ago

I used to bank with a different CU, but when I moved to this neighborhood, I switched to On Point. (walking distance is a selling point for me) They have been stellar, including free unbiased advice about navigating retirement and Social Security, and going above and beyond helping me lock down multiple accounts and get reimbursed after I got mugged last year. They actually make it a pleasure to do my banking, I trust them with my money, and they have a branch 5 min walk away. That's win/win/win! (however, this branch tends to be crunched first hour, last hour, and lunch hour...plan accordingly)

Jordan Mahana

2 years ago

Extremely friendly service. Seriously the nicest I’ve ever been treated in a bank. The teller, Rose, was very kind and seemed like she genuinely enjoys her job. Per Rose’s recommendation, I was able to speak with another very helpful team member about getting a credit card. I got great information and asked the questions I needed to, and I wasn’t pressured to apply or make any decisions right then. The security guard even walked outside before me so that he could open the door for me when I got to it. I really felt like I was getting the royal treatment. I’ve had a great experience with OnPoint overall, but I will be going out of my way to go to this branch in the future. Thank you to the hard working staff who made such a great impression.