OnPoint Community Credit Union · Founded 1932
Banking built around Oregon members
Also known as OnPoint Credit Union, OnPointCU, OnPoint Community CU, OnPointCommunity, and OnPointCommunity Credit Union—OnPoint accounts that help Oregon and southwest Washington households save, borrow, and handle daily money. People are the Point.®
OnPoint Digital Banking
OnPointCU login guidance for Online Banking and Mobile Banking. Enrollment and recovery help are on this site.
Routing number: 323075880
Member-owned since 1932
Safe, sound, and member-owned
Shares are NCUA-insured (charter #62745), and financial results are published in annual reports. Searches for “OnPoint credit union bank” still mean this credit union. As a cooperative, OnPoint exists to serve members—not outside shareholders.
OnPoint Community Credit Union FAQs
Is OnPoint a bank?
OnPoint is a credit union—often searched as OnPoint credit union bank. It is owned by members rather than outside shareholders. NCUA share insurance protects balances to at least $250,000.
Where is OnPoint login / OnPointCU login?
Use the OnPoint login hub at /login/ for OnPoint login, OnPoint log in, and OnPointCU login. Bookmark that page on this official site.
What is OnPoint’s routing number?
OnPoint Community Credit Union routing number remains 323075880. SWIFT/BIC for international wires is OCCUUS66.
What is OnPoint Community Credit Union?
OnPoint Community Credit Union (OnPointCU) is a Oregon-headquartered cooperative open since 1932, with members across Oregon and southwest Washington. It is also known as OnPoint Credit Union, OnPoint Community CU, OnPointCommunity, and OnPoint banking.
Is OnPoint the same as OnPointCU or OnPointCommunity?
Yes. OnPointCU, OnPoint Credit Union, OnPoint Community CU, OnPointCommunity, OnPointCommunity Credit Union, On Point Community Credit, and OnPoint credit union bank searches all refer to OnPoint Community Credit Union (NCUA charter 62745).
Guidance
Education, tools, and life-stage pathways
Financial education
Practical articles on credit, saving, homebuying, and fraud prevention.
Explore educationCommunity
Local presence across the Pacific Northwest
Look up an office in Oregon or southwest Washington, including the Camas location opened September 3, 2026.
Ready when you are
Join a member-owned, not-for-profit credit union with deep roots in Oregon—and Digital Banking available wherever you bank.
Member assistance
Help when you need it
OnPoint Community Credit Union — also known as
This site publishes information for OnPoint Community Credit Union. People also search for OnPoint Credit Union, OnPointCU, OnPoint Community CU, OnPointCommunity, OnPointCommunity Credit Union, On Point Community Credit, OnPoint banking, and OnPoint credit union bank. Those names all refer to this member-owned credit union—not a stock bank—serving Oregon and Southwest Washington since 1932 (NCUA charter #62745).
For OnPoint login, OnPoint log in, and OnPointCU login, use the OnPoint login hub. For routing and wires, see routing number 323075880 and SWIFT/BIC OCCUUS66.
Products
Start with what you need most
Credit cards
Visa cards that pay rewards or cash back.
Business
Checking, savings, and lending for local enterprises.
Membership
Join with a $5 savings deposit if you’re eligible.
Checking
Checking for daily spend, plus Digital Banking and in-person help.
Savings
Member savings, youth Savers®, premium, and money market.
Auto & home loans
Vehicle financing, mortgages, and home equity.
Today’s published rates
Current published rates
Savings, auto, home, cards, and more—kept current on this site.
| Product | Published rate | Source |
|---|---|---|
| Member Savings | 3.50% APY; 0.10% APY | Details |
| OnPoint Savers® | 5.00% APY; 0.10% APY | Details |
| OnPoint Premium Savings | 3.50% APY; 2.00% APY | Details |
| OnPoint Loyalty Savings | 0.35% APY | Details |
| FlexSmart℠ Money Market | 0.15% APY | Details |
| Auto Loan — 2023 & newer (36–60 mo) | 4.99%–9.44% APR | Details |
| Auto Loan — Used 2020–2022 (36–60 mo) | 5.14%–9.84% APR | Details |
| 30-Year Fixed Mortgage (purchase) | 6.500% rate / 6.594% APR | Details |
| 15-Year Fixed Mortgage (purchase) | 5.750% rate / 5.940% APR | Details |
| 5/5 ARM (purchase) | 6.500% rate / 7.054% APR | Details |
| Platinum Visa® | 11.50%–22.00% APR | Details |
| Signature Visa® with Cash Back / Rewards | 13.50%–24.00% APR | Details |
| EquityFlex™ Line of Credit (≤80% LTV) | 6.75%–7.25% variable APR | Details |
| EquityFlex™ Fixed Portion (≤80% LTV) | 7.00%–7.75% fixed APR | Details |
| Small Business Term Loan | 11.00%–16.00% fixed | Details |
| Small Business Line of Credit | 10.75%–12.75% variable | Details |
| Secondary Savings | 0.10% APY | Details |
| IRA Savings | 0.15% APY | Details |
| HSA Checking | 0.05% APY | Details |
| Certificate of Deposit — 12 months | 2.25% APY (2.51% with Rewards) | Details |
| Certificate of Deposit — 60 months | 2.50% APY (2.75% with Rewards) | Details |
| Personal Loan | 11.00%–16.00% fixed APR | Details |
| Personal Line of Credit | 16.75%–18.75% variable APR | Details |
| Payday Advantage™ Loan | 12.00% fixed APR | Details |
Rates are subject to change and may vary based on creditworthiness, term, amount, and other eligibility factors. APR = Annual Percentage Rate. APY = Annual Percentage Yield. Confirm current rates on this site before applying.