Onpoint Community Credit Union

What Onpoint Community Credit Union does

OnPoint Community Credit Union is a federally chartered, member-owned credit union headquartered in Portland, Oregon, serving over 633,000 members with $9.5 billion in total assets as of March 2026. Founded in 1932 by 16 schoolteachers as Portland Teachers Credit Union, the institution was granted a community charter in 2005 and rebranded to OnPoint Community Credit Union, expanding membership beyond educators to the broader population across 28 Oregon counties and 4 Southwest Washington counties. It is the largest credit union headquartered in Oregon, operating 59 physical branches supported by access to 70,000+ ATMs nationwide and a digital banking platform including a 4.5-star-rated mobile app on iOS and Android.

The core product portfolio spans retail banking (checking, savings, certificates of deposit, IRA and HSA accounts), a full lending suite (auto loans at 4.74% APR, 30-year fixed home loans at 6.330% APR, personal loans, motorcycle/boat/RV financing, and Visa credit cards at 11.50% APR), and business banking (checking, savings, commercial loans, business credit cards, and merchant services). Specialized programs include OnPoint Business Rewards (a member loyalty program), Green Horizons (sustainability perks including EV financing), OnPoint Prize for Excellence in Education (annual awards tied to its educator heritage), and Financial Education & Counseling. Investment and wealth advisory services are delivered through a strategic partnership with Raymond James Financial Services, Inc. The digital platform supports online account opening, mobile check deposit, Zelle person-to-person payments, biometric authentication, and a built-in Personal Finance Manager for budgeting and cash flow visualization.

Revenue is generated primarily through net interest income from lending and deposit-taking, supplemented by transaction fees (account service, wire transfers, ATM) and advisory/commission revenue from the Raymond James partnership. Distribution is hybrid: 59 branches staffed by relationship bankers, mortgage loan officers, and financial advisors with appointment scheduling; a digital platform enabling self-serve onboarding; and credit union ATM network alliances. Customer segments span personal/consumer members (primary), business members, nonprofit organizations, and educators/students, reflecting the community-charter mandate that defines OnPoint's addressable market within Oregon and Southwest Washington.

Name

Onpoint Community Credit Union

Legal name

OnPoint Community Credit Union

Website

https://onpointcu.com

Company type

Private

Founded year

1932

Operating status

Operating

Headcount range

501–1,000 employees

Short description

OnPoint Community Credit Union is a member-owned, federally chartered credit union headquartered in Portland, Oregon, serving over 633,000 members across Oregon and Southwest Washington with $9.5 billion in assets, 59 branches, and a full suite of personal, business, and digital banking services.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Credit Unions (52213), Credit Unions (522130)

SIC

Savings Institution, Federally Chartered (6035), Personal Credit Institutions (6141)

akta.pro primary industry

Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)

Keywords

• Retail banking services
• Consumer lending products
• Credit union services
• Business banking solutions
• Mortgage and auto loans

Headquarters

HQ city

Portland

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Interest Income from Lending: OnPoint generates revenue primarily through interest earned on loans including auto loans, home loans, personal loans, business loans, and credit cards. Competitive APR rates are offered to members.
2. Fee-based Services: Revenue generated from various banking fees including account service fees, wire transfer fees, ATM fees, and other service charges as outlined in their fee schedules.
3. Investment Services Partnership: Investment services offered through partnership with Raymond James Financial Services, Inc., generating revenue through advisory fees and commissions on investment products.
4. Deposit Taking: Accepts member deposits including checking, savings, certificates of deposit, IRA savings, and health savings accounts, using these funds to support lending activities.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels5 records

Core offering

OnPoint Community Credit Union is a member-owned cooperative financial institution that delivers retail and business banking products including checking accounts, savings accounts, certificates of deposit, IRAs, HSAs, auto loans, home mortgages, home equity lines of credit, personal loans, Visa credit cards, business checking and savings, small business and commercial loans, merchant services, and investment advisory services through a branch network of 59 locations across Oregon and Southwest Washington complemented by a digital banking platform with mobile and online access.

Product overview

OnPoint Community Credit Union offers a comprehensive financial services platform serving over 633,000 members across Oregon and southwest Washington. The core product portfolio centers on digital banking (mobile app and online banking) complemented by traditional banking products including checking accounts, savings accounts, certificates of deposit, and a full range of lending products (auto loans, home loans, personal loans, and credit cards). Business banking services include business checking, savings, commercial loans, and merchant services. The institution differentiates through specialized programs like OnPoint Business Rewards, Green Horizons sustainability benefits, OnPoint Prize education awards, and OnPoint Investing wealth management (via Raymond James). Digital banking features include Zelle person-to-person payments, mobile deposits, bill pay, finance manager tools, and biometric authentication (Touch ID/Face ID). The integrated approach combines 59 physical branch locations with digital-first banking to serve both personal and business members.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal and Business Checking Accounts Deposit accounts available to personal and business members, providing transaction access, debit card functionality, and digital banking integration.
• Savings Accounts Interest-bearing deposit accounts including traditional savings, youth savings (OnPoint Savers), IRA savings, and Health Savings Accounts (HSA) for personal and business members.
• Certificates of Deposit Fixed-rate term deposits for personal and business members with various maturity periods.
• IRA Savings Accounts Retirement savings accounts (IRAs) for members planning for retirement, offered as part of the personal savings product line.
• Health Savings Accounts Tax-advantaged Health Savings Accounts (HSAs) for members enrolled in qualified high-deductible health plans.
• Auto Loans Vehicle financing for new and used automobiles for personal use, with competitive rates as low as 4.74% APR.
• Motorcycle, Boat, and RV Loans Specialty consumer financing for motorcycles, boats, and recreational vehicles.
• Home Loans and Equity Mortgage loans for purchase and refinance, home equity lines of credit (HELOC), and construction loans with 30-year fixed rates as low as 6.330% APR.
• Personal and Other Loans Unsecured personal loans for various purposes including debt consolidation, home improvements, and major purchases.
• Credit Cards Visa credit card products for personal use including Platinum Visa, Platinum Visa with Rewards, and Signature Visa with Rewards, with rates as low as 11.50% APR.
• Business Checking Business deposit accounts with digital banking access, merchant services, and small to mid-sized business banking features.
• Business Savings and CDs Business savings accounts and certificates of deposit with competitive rates for business capital management.
• Small Business Loans and Lines of Credit Commercial financing solutions including term loans, lines of credit, and SBA-guaranteed loans for small business growth and operations.
• Commercial Loans Larger-scale commercial lending for established businesses, including real estate financing and business expansion capital.
• Business Credit Cards Commercial credit card products for business expenses with rewards and expense management features.
• Merchant Services Payment processing solutions for business merchants including point-of-sale systems and payment acceptance tools.
• Nonprofit Banking Solutions Specialized banking solutions for nonprofit organizations including churches, charities, and community groups, with dedicated deposit accounts and group banking.
• IOLTA Accounts Interest on Lawyers' Trust Accounts (IOLTA) for attorneys and law firms to hold client funds in compliance with bar requirements.
• OnPoint Mobile Banking App Mobile banking application available on Google Play and Apple App Store with 4.5-star rating, supporting account management, secure check deposits, Zelle person-to-person payments, biometric authentication (fingerprint/Face ID), and personal finance tools.
• Online Banking Web-based digital banking portal enabling account access, transaction management, wire transfers, bill payments, eStatements, finance manager tools, and text/email alerts.
• Wire Transfers Wire transfer services for personal and business members for sending and receiving funds domestically and internationally.
• OnPoint Investing Investment advisory services offered in partnership with Raymond James Financial Services, providing wealth management, retirement planning, and securities products through in-branch financial advisors.
• Business Digital Banking Online and mobile banking experience tailored for business members to manage accounts, payments, and cash management.
• Group Banking Banking program designed for groups, organizations, and employee groups to consolidate accounts and streamline member services.

Quantifiable outcome

• Over 648,000 members served
• +3 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature3 records

Partnerships

Seven partnerships are on record, tiered minor and core.

• EngagewareminorStrategic or Co-development Partner · 14 May 2026OnPoint Community Credit Union was selected as a case study speaker at Engageware's AI in CX Summit 2026, sharing real-world AI deployment strategies and results including autonomous resolution rates, conversion improvements, and cost-to-serve reductions. Engageware serves over 600 enterprises including top banks and telecom providers.
• Raymond James Financial Services, Inc.coreImplementation/ SI/ Consulting PartnerOnPoint offers investment services through partnership with Raymond James Financial Services, Inc., a FINRA/SIPC member. Raymond James financial advisors provide investment advisory services and securities offerings at OnPoint branches. This is a key strategic partnership for delivering comprehensive financial services.
• Boys & Girls Clubs of Portland MetropolitancoreGTM or Marketing PartnerOnPoint partnered with Boys & Girls Clubs through their Refer a Friend campaign, donating $40,000 (with $29,100 specifically for Portland Metropolitan area). The partnership supports youth services and community giving initiatives.
• Boys & Girls Club of SW WashingtonminorGTM or Marketing PartnerOnPoint donated $3,250 to Boys & Girls Club of SW Washington through their Refer a Friend campaign supporting local youth organizations.
• Boys & Girls Clubs of BendminorGTM or Marketing PartnerOnPoint donated $3,650 to Boys & Girls Clubs of Bend through their community giving campaign.
• Boys & Girls Club of Salem, Marion and Polk CountiesminorGTM or Marketing PartnerOnPoint donated $2,000 to Boys & Girls Club of Salem, Marion and Polk Counties through community giving initiatives.
• Boys & Girls Club of Emerald ValleyminorGTM or Marketing PartnerOnPoint donated $2,000 to Boys & Girls Club of Emerald Valley through community giving programs.

Scale indicators8 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• First Tech Federal Credit Union: Oregon- and Washington-headquartered community credit union of comparable scale with a similar consumer and business banking product mix, including lending, deposits, and digital banking.
• BECU: One of the largest U.S. credit unions, based in Washington state, with a community-charter evolution similar to OnPoint and a comparable mix of consumer, mortgage, auto, and business banking products.
• Advantis Credit Union: Oregon-based community credit union serving the Portland metro area with overlapping consumer and small business checking, savings, lending, and digital banking products.
• Oregon State Credit Union: Statewide Oregon-focused credit union with similar community banking model, deposit and loan products, and a regional member-acquisition approach.

Regional players

• Maps Credit Union: Oregon-based credit union serving the Salem/Marion County area with comparable consumer checking, savings, lending, and digital banking offerings, overlapping in the same state geography.
• Sound Credit Union: Washington-state community credit union with similar size, branch footprint, and full suite of consumer and business banking products; competes in adjacent PNW geography.

Broad incumbents

• WaFd Bank: Pacific Northwest-based commercial bank with overlapping deposit, mortgage, and consumer lending products; broader geographic footprint and public-company structure differentiate it from credit union peers.
• U.S. Bancorp: Large regional bank with significant Oregon and Washington branch presence, directly competing for consumer deposits, mortgages, auto loans, and small business banking relationships.
• JPMorgan Chase: National banking incumbent with extensive branch and digital presence in PNW markets, competing aggressively for consumer deposits, credit cards, mortgages, and small business banking.

Emerging players

• SoFi: Digital-first national bank and lender targeting similar consumer deposit, personal loan, credit card, and wealth management products without geographic constraints — represents the structural digital competitor to community-chartered credit unions.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/OnPointCU
• YouTubeyoutube.com/user/OnpointCreditUnion
• Facebookfacebook.com/OnPointCU
• LinkedInlinkedin.com/company/onpoint-community-credit-union
• Instagraminstagram.com/onpointcu

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Onpoint Community Credit Union