OnPoint Community Credit Union


Updated: September 7, 2019


OnPoint Community Credit Union

OnPoint Community Credit Union is an American credit union, which serves customers in the states of Washington and Oregon. On this page, you can find out all necessary information about this credit union, including its routing number, phone number, mailing address, as well as info about its credit cards and bank accounts. At the end of this review, get to know about the union’s online banking.

Routing Number & Other Info

Headquarters: Portland, Oregon

Website: Open URL

Mobile AppsAndroid and iOS

Routing Number: 323075880

SWIFT Code: OCCUUS66

Phone Number: (800) 527 39 32

Main Office: 2701 NW Vaughn St Portland, OR 97210.

Locations: 26 branches

ATM & Branch Locator: Open Locator


Credit Cards

At the present time, OnPoint Community Credit Union offers three credit cards, all of which offer some pretty good terms to the customers. However, there are no credit cards for customers with poor credit. Here, we will review the credit cards of this credit union.

Platinum Visa Card

Annual fee: $0.

Purchase APR: from 10% to 20.5% (based on your creditworthiness).

Recommended credit score: from 690 to 850.

Credit card features:

Apply Here

As a matter of fact, this is the most basic credit card from this credit union. There are two reasons to get this credit card: low intro APR on balance transfers and purchases, as well as a zero annual fee. Let’s consider it in detail.

Basically, this credit card doesn’t come with any cash back rewards, which is a disadvantage. On the other hand, this credit card has a zero annual fee, which means that the worst that can happen is that you will have just another credit card in your wallet. At the same time, you will be able to enjoy an intro APR period on purchases and balance transfers. Even though it’s not 0%, the APR is quite low and, thus, the credit card may turn out to be quite beneficial for you.

Platinum Visa Card With Rewards

Annual fee: $0.

Purchase APR: from 11% to 21.5% (based on your creditworthiness).

Recommended credit score: from 720 to 850.

Credit card features:

Apply Here

As you may see, this credit card differs quite substantially from the Platinum Visa card. While it also comes with a zero annual fee, it has a slightly higher APR and requires a higher credit score. Let’s consider the pros and cons of this credit card in this review.

So, we recommend you to apply for this credit card if your credit score is 720 or higher (though, you can contact the customer support if you have just a slightly lower credit score). Unlike the previous credit card, this card grants you 1 point for every $1 you spend anywhere. This actually leaves you with 1% cash back, which is better than nothing.

On the other hand, the purchase APR of this credit card is just 1% higher than of the previously reviewed card. Though, there is an intro APR period on both balance transfers and purchases (same as the previous card offers), which is definitely good. But it is obvious that this credit card is definitely more beneficial.

Signature Visa Card With Rewards

Annual fee: $0.

Purchase APR: from 12% to 16.5% (based on your creditworthiness).

Recommended credit score: from 720 to 850.

Credit card features:

Apply Here

In fact, this credit card is the best what can OnPoint Community Credit Union offer. In addition to the generous cash back rewards (which can be compared to top-tier credit cards), this credit card provides customers with decent travel and retail features. Besides, the intro APR period is also much beneficial with this card. Given all that, you should seek this credit card if you have a sufficient credit score.


Bank Accounts & CDs

Obviously, this credit card offers a wide array of financial services. Here, we will consider all the types of checking, savings accounts, as well as CDs on offer. But in addition to that, this credit union also offers IRA savings accounts, health savings accounts, and much more.

Checking Accounts:

  • Access Account ($7 monthly fee, $0 minimum balance required, $50 minimum opening deposit)
  • OnPoint Checking ($0 monthly fee, $0 minimum balance required, $50 minimum opening deposit)
  • Interest Checking ($0 monthly fee, $500 minimum balance required, $50 minimum opening deposit, no fee cash withdrawals from any ATM).

Savings Accounts for Small Balances (see savings accounts for high balances on the union’s website):

  • Regular Savings ($5 minimum opening deposit, 0.05% APY)
  • Bundle Rewards (no minimum opening deposit, 1.00% APY)
  • OnPoint Savers ($25 minimum opening deposit, 5.00% APY on balances between $5 and $500).

Certificates of Deposit:

  • CDs ($1,000 minimum opening deposit, 3-48 months terms, early withdrawal penalties, insured by NCUA)
  • Annual Withdrawal CDs ($5,000 minimum opening deposit, 60 months terms, no withdrawal penalty for up to 20% of the sum, insured by NCUA).

OnPoint Community Credit Union Locations Near Me

As you can read on this page above, there are currently 26 OnPoint Community CU branches. In fact, these 26 OnPoint Community Credit Union locations are scattered across two American states: Oregon and Washington. Here, you can see the number of branches in each town where this credit union is available:

  • Portland (Oregon): 9
  • Beaverton (Oregon): 2
  • Bend (Oregon): 2
  • Eugene (Oregon): 1
  • Gresham (Oregon): 1
  • Hillsboro (Oregon): 1
  • Lake Oswego (Oregon):
  • McMinnville (Oregon): 1
  • Milwaukie (Oregon): 1
  • Oregon City (Oregon): 1
  • Redmond (Oregon): 1
  • Wilsonville (Oregon): 1
  • Vancouver (Washington): 4.

So, if you live in any of the cities or towns listed above (or somewhere around them), you can easily find OnPoint Community Credit Union near me. In fact, you can find the nearest OnPoint Community Credit Union locations by using this map:


OnPoint Community Credit Union Online Login

If you are a customer of this credit union and you have already registered for its online banking, that’s just great! Then, that means that you can access bank account anytime and from any place you want. Yet, you should make an online login each time you will want to do that.

So, you can make a login with your online account in this simple way:

  • First of all, you should open the website of this credit union by clicking on the following URL: https://onpointcu.com/.

OnPoint Community Credit Union Login

  • Once you have entered that website, you should click on the “Login” button – you will find it in the right-upper corner of the webpage.

OnPoint Community Credit Union online banking login

  • Right after doing so, you will get to see the OnPoint Community Credit Union online login form. So, that’s the place where you can sign in to your account.
  • At first, you must type the login ID of your account in the first field of that page.

OnPoint Community Credit Union sign in

  • Next, you have to enter the password of your account in the next field.
  • Eventually, you can finalize the login procedure by clicking on the “Login” button.

OnPoint Community Credit Union online banking sign in

  • If you have entered the correct details, you will be able to access your account in a moment!

Sign Up For Online Banking

If you are a member of the Onpoint Community Credit Union, you can register your online banking account right now. That, in turn, will provide you with an opportunity to access your bank account at any time. Besides, the registration process takes no more than just a couple of minutes!

This is the way how you can register Onpoint Community CU online banking account:

Apply for OnPoint Community Credit Union

  • Once you have accessed the website of this credit union, you have to click on the “Login” button – it is placed right in the website’s right-upper corner.
  • In the tab that you have just triggered, you will be able to make the Onpoint Community Credit Union login. But instead of doing it, you have to click on the “Sign Up” text button (you can see right beneath the “Password” field).

Sign up for OnPoint Community Credit Union online banking

  • Right after that, you will get to view the enrollment form. Now, you have to fill out that form in order to sign up for Onpoint Community CU online banking.
  • So, provide the following details about your bank account: member number, social security number (the last 5 digits), date of birth, requested login ID (i.e. the one you have come up with), month and year of your membership opening date, and the last four digits of your credit card number.

OnPoint Community Credit Union locations

  • Once you are done with filling out that form, you should proceed further by clicking on the “Continue” button.
  • On the next page, you will be offered to provide some additional details (such as email). Add the information you are asked to provide and click on the “Continue” button.

OnPoint Community Credit Union near me

  • Then, agree with the terms and conditions of the union’s online banking on the next page.
  • After you will finalize this registration process, you will be emailed (or sent via SMS) the password of your new online banking account. Once you will get that password, you will be able to use it along with your login ID for accessing your account online (see how to do it right above).

Recover Password

You aren’t able to access your online banking account because of the lost password? In such a case, you should complete a simple recovery procedure (which takes just 5 minutes) and regain control over your account! Yet, you have to keep in mind that you should access to your email address and/or mobile phone for that.

This is an easy and quick way to recover your online banking password:

OnPoint Community Credit Union review

  • On that website, you should click on the “Login” button, placed in its right-upper corner.
  • Then, that action will trigger the OnPoint Community Credit Union online login form. Instead of entering your login details, you should click on the “Forgot Password?” text button (placed right beneath the “Password” field) there.

OnPoint Community Credit Union routing number

  • Right after doing so, you will be able to start the recovery process. For that, you have to enter your login ID in the given field and click on “Submit.”
  • After that, you will have to verify your identity on the next page. At that point, you must answer the secret question and click on the “Submit” button again.

Recover OnPoint Community CU online banking account

  • Then, you should go to the inbox of your email address. There, you will find a letter from this credit union. Open that letter and click on the “Recover Password” button.
  • Eventually, you will be allowed to set up a new password for your account on the next page. Now, you should set up a new password for your account, which should consist of upper-case letters, lower-case letters, digits, and special symbols. Then, type that password in both fields on that page and click on the “Submit” button.

Recover Recover OnPoint Community CU online banking password

  • At the end, you will notice a notification, saying that you have just recovered your online banking password. Now, you can use your new password for signing in to your online banking account – see the instructions for this above.

Also, you can learn about Doco Credit Union, too.

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