Semantic Coherence: OnPoint Community Credit Union – Signal Evidence & AI Readability

[H1] Welcome to OnPoint Credit Union
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[H2] Get behind the wheel for less
Save on your next auto loan with special rates as low as 4.74% APR*, May 22 - July 6 from OnPoint.Get started
[H2] Financially Strong for You
[H2] Locations & ATMs
[H2] Home loans
[H2] Member assistance
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Checking & savings accounts
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Loans & credit cards
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Business accounts & loans
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Personal services & tools
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Business services
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Investments
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Community impact
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Financial education
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[H3] We're proud to announce our Educator of the Year winners!
OnPoint Community Credit Union has always understood that investing in education is one of the best ways to build thriving communities. We are proud to honor our roots and the teachers who continue to support students in and out of the classroom through the OnPoint Prize for Excellence in Education. See who this year’s winners are! Meet our 2026 winners
[H3] Get behind the wheel for less.
Special auto rates are now available from May 22 – July 06. At OnPoint, we can make it easier to get the financing you need by streamlining the process as much as possible. We’re known for being a rate leader with flexible, local financing. That means we partner with local dealers to get your loan funded faster than our competitors. Learn more
[H3] Join our team!
OnPoint employees are rewarded, acknowledged and appreciated for taking care of our members. With a strong reputation, inclusive culture, and comprehensive benefits package, we help our employees get the most out of life. Learn more View all promotions »
[H2] OnPoint is committed to excellent member experiences.
Money doesn’t care about people, but we do. When it comes to your finances, we’re in it together. With OnPoint, you can check your balance, deposit checks, and pay bills from anywhere. We also offer great rates, low fees and financial education resources just for you. Yet, we’re more than a place to bank.Credit unions do well when members do well. This means if you need more from your banking experience, we’re there to provide options, remove barriers and be your guide every step of the way. It also means we support community, because we know we’re all stronger when every one of us is stronger. Most of all, it’s about people. People like you. Learn more about becoming a member
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Información en español Routing number 323075880After hours fraud supportReport a lost or stolen cardCall member servicesFreeze credit cardSet travel noticeSchedule an appointment Get member assistance.
[H2] Today’s rates
View all Rates » Auto loans as low as 4.74% APR* Home loans 30-year fixed as low as 6.342% APR* Visa credit cards as low as 11.50% APR* Prev Next
[H2] Disclosures
* APR = Annual Percentage Rate
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[H3] Community giving
We’ve been around for 90 years. We came together – and we stay together – to help one another. That’s what community is all about. Learn about our giving story
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[H3] Green Horizons
If we all work together, we can maintain the Pacific Northwest’s beauty while pursuing a more sustainable future. Get discounts* for your green lifestyle
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[H3] Financial education
Find the support you need to achieve financial wellness. Reach your goals faster with OnPoint’s interactive and self-guided resources. Explore financial education resources
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[H3] Supporting teachers
We are proud to honor our roots as a teachers’ credit union by supporting educators and students in and out of the classroom. Learn more about OnPoint Prize
[H2] Trending Topics
[H3] Community Impact Story
[H4] College Possible: Breaking down barriers to higher education
College Possible is working to close the college degree gap by providing resources to young people in Oregon who are likely to thrive given the right opportunities. Since 2012, the organization has provided college access and success programs that have supported more than 2,600 students throughout the state. Most of them are first-generation college students, and 73% of them identify … Read the full article
[H3] Financial Advice
[H4] Tips for downsizing your life and reducing your expenses
Regardless of your current financial health, finding ways to reduce unnecessary spending in your life can always be beneficial. Who wouldn’t want to save a bit more money for a vacation or cut back on unneeded expenses? Before you can make cuts, you need to identify exactly where your money is coming from and going toward. Creating (or updating) a … Read the full article
[H3] Financial Advice
[H4] How to cancel auto-renewal on subscriptions
Like many people, you likely have multiple subscriptions set to auto-renew monthly, quarterly or annually. These might be subscriptions to online magazines or newspapers, streaming content services, subscription boxes or merchant services like Amazon Prime. While these are all valuable services, losing track of your subscriptions is easy until you see the charge on your monthly credit or debit card … Read the full article
[H2] Latest News
Employee Spotlight with Caitlin Curtis Employee Spotlight with Kyle Utzman 2025 OnPoint Prize Educator of the Year Rhiannon Young teaches children to embrace challenges, explore the world, and foster a sense of purpose. How to Protect Your Privacy and Avoid Identity Theft The Biggest Cybersecurity Questions for Parents How to Avoid Job Hunt and Apartment Rental Scams
[H2] Become a member today
Join OnPointMake an appointment at a nearby branch

[H1] Locations & ATMs
59 branches in Oregon and Washington and 70,000+ surcharge-free ATMs nationwide.
[H2] New OnPoint ATM Features
Set your preferred languageChange your fast cash withdrawal amountChoose your receipt option preferencesCustomize your settings today. Simply visit an OnPoint ATM, enter your card and PIN and navigate to “Choose ATM Preferences.” Contact member assistance
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[H2] 2026 Branch Closures
New Year’s Day January 1 Martin Luther King Jr. Day January 19 Presidents' Day February 16 Memorial Day May 25 Juneteenth June 19 Independence Day July 4 Labor Day September 7 Indigenous Peoples’ Day October 12 Veterans Day November 11 Thanksgiving Day November 26 Christmas Day December 25
[H2] Use Member Assistance to get answers to your questions online.
Contact member assistance

Page Menu + Report fraud or lost/stolen card Find my account number and routing number Update my contact info Plan domestic or international travel
[H2] Report fraud or a lost or stolen card.
If you experience fraudulent activity on your account, notify OnPoint immediately at 503.228.7077 or 800.527.3932.
[H3] Keep your information personal.
OnPoint will never ask for sensitive information via phone, email, or text. This includes requests for passwords, secure access codes, verification codes, PIN or credit/debit card 3-digit codes. For more information on how to identify and report fraud, visit our security center.
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Cybersecurity eBookStrong username and password checklistDigital protection checklistSecurity blogsOnPoint security center
[H2] Freeze your credit card
Log into digital banking and select the “more” button on the right-hand side to freeze your credit card.
[H2] Notify OnPoint
Call us at 503.228.7077 or 800.527.3932. We’ll block your card and help you quickly receive a replacement card.
[H2] After hours support
ATM and debit cards 833.337.6075Platinum Visa credit cards 866.820.3101Signature Visa credit cards 866.820.5831
[H2] International support
ATM and debit cards 614.564.3075 (collect)Platinum and Signature Visa credit cards 410.581.9994 (collect)
[H3] How to find your account number in digital banking.
You can find your full account number within digital banking. Log in, select your desired account and click the details tab. Additional account information will be displayed including your full account number.When paired with OnPoint’s routing number, your account number can be used to set up direct deposit and make other electronic transactions. Log into Digital Banking
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[H3] Set travel notifications, access ATMs and foreign currency.
If you plan to use your OnPoint credit and debit cards while traveling, notify OnPoint before you go. Simply log into Digital Banking and select Cards from the main menu. Then select Travel Notifications, choose the cards you’ll be traveling with and provide your travel dates and destinations.Find ATMs around the world that you can access with your VISA debit card. (Please note that these ATMs may not be surcharge-free.)Prefer to use cash? You can buy and sell foreign currency at your nearest branch or call Member Services to place an order today.
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[H2] 90 countries
Foreign currency is available for more than 90 countries.
[H2] Buy and sell
It’s easy to purchase and sell foreign currency with OnPoint.
[H2] Quick delivery
Orders are typically ready to pick up within two business days, but may take up to four days due to higher than usual demand. Expedited shipping options also available.
[H2] Exchange rates
Competitive exchange rates, updated daily.
[H2] We’re here for you.
[H3] Send a secure message.
Select Messages within Digital Bankingif you need to include sensitive information.
[H3] Call with questions.
503.228.7077 or 800.527.3932M-F 7 a.m.-7 p.m., Sat. 9 a.m.-3 p.m.
[H3] Email us.
Send us an email(please do not include sensitive information)

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[H3] Committed to your career
We help you grow and thrive. At OnPoint, we know it’s our team that makes us who we are.
[H3] Committed to our community
We empower you to get involved. Our impact in the community starts with our employees.
[H3] Committed to excellence
You can take pride in delivering quality service from one of the most admired local institutions.
[H3] Overview of benefits*.
At OnPoint, we know that you’re a person with a life of your own, and we want you to live it to the fullest. Prioritizing work-life balance is important to us.
[H3] Health insurance
Medical, dental, and vision coverage for you and your family.
[H3] Employer-matched 401(k)
Take advantage of robust retirement investing, including a 1-to-1 match up to 5%, and an additional annual 5% contribution to your 401(k) after your first year.
[H3] Paid time off
Paid vacation and sick leave, plus 11 company-paid holidays every year.
[H3] Bonuses & incentives
Generous bonus and incentive programs to reward your hard work and goal achievement.
[H3] Tuition reimbursement
Continue your education with up to $5,250 annually for tuition reimbursement.
[H3] Paid volunteer hours
Receive 16 hours of paid time off annually to volunteer in our community. Read moreHealth insuranceEmployer-matched 401(k)Paid time offBonuses & incentivesTuition reimbursementPaid volunteer hours
[H3] Find your own path at OnPoint.
If you want to make an impact and advance your career, we’d love to meet you. We’re always looking for talented people to join our team.Many new employees start their career here, have a great experience, and decide to stay. With on-the-job training, tuition reimbursement, and career mentoring, we put you in a great position to excel in your career path—wherever it may take you. Your career is a journey, and we can help make it a successful one.
[H3] Commitment to a welcoming environment for all.
To authentically uphold our purpose of building strong communities, OnPoint is committed to fostering a culture of respect and belonging in our conversations, relationships, actions, and services. We will achieve this through ongoing learning, measurable progress, shared responsibility, and meaningful connections with everyone we serve.
[H2] Community impact
Every year employees volunteer thousands of hours to make a local impact for our community. Learn more about our community impact
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[H2] Open positions at OnPoint.
Every team member plays a vital role in the success of OnPoint, our members and our community.
[H3] Your next opportunity is nearby.
We understand that work-life balance is important and access to a job you love near the place you call home helps make daily life a little easier. Take a look at our current positions available throughout the communities we serve.
[H3] Branch
Work on the front line of member engagement helping members find the solutions they need.
[H3] Member services
Be a vital member resource to help members with their day-to-day needs.
[H3] Operations
Keep everything running smoothly by supporting our branches, retail teams and everyone in-between.
[H3] Accounting
Be a crucial contributor to our organization’s financial health by analyzing, verifying, and reporting key information.
[H3] Mortgage
Help members get the flexible financing they need.
[H3] Wealth management
Partner with members to outline their retirement goals and craft personalized plans.
[H3] Human resources
Be a cultural leader and champion of all things benefits and employees.
[H3] Security & technology
Keep OnPoint at the forefront of banking innovation safely and securely to better serve our membership.
[H3] Marketing
Help us communicate value to our members and share our story. Read more View open positionsIn-branch retailMember servicesOperationsAccountingMortgageInvestment servicesHuman resourcesSecurity & technologyMarketing
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Employee Spotlight
[H2] Employee Spotlight with Caitlin Curtis
Article
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Employee Spotlight
[H2] Employee Spotlight with Kyle Utzman
Article
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Employee Spotlight
[H2] Employee Spotlight with Jessie Dykes
Article
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Employee Spotlight
[H2] Employee Spotlight with Alexa Falcon
Article
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[H2] Interested in joining our team?
View open positions
[H2] Disclosures
OnPoint Community Credit Union is an Equal Opportunity Employer.Information provided is an overview and does not constitute a contract.*Plan documents will govern eligibility for specific benefits.