OnPoint Credit Union’s member-first reputation stems from its beginnings in 1932, and though it was started by a few school teachers, it has grown into one of the largest credit unions in the Pacific Northwest. It has preserved its community-centric, inexpensive, and tailored approach to financial services. OnPoint currently serves hundreds of thousands of members in Oregon and Southwestern Washington. It provides a full complement of banking services to assist both families and businesses in making their banking and financial dreams a reality.
What Makes OnPoint Credit Union Different?
Credit unions are member-owned throughout and, therefore, different from banks. Account holders, or members, have a stake in the organization. Because of its not-for-profit status, OnPoint has the unique opportunity to personally and financially reinvest its gains into its members by providing lower costs for financial services and enhanced financial products.
OnPoint Credit Union is, therefore, able to spend its financial and product resources to help its members and also its other community resources in a financially and personally helpful way. It has developed educational and community programs and provided a variety of charitable partnerships. The credit union is devoted to the financial support of its members and the help of the community by strengthening the regions of its service.
A Diverse Selection of Services
OnPoint Credit Union offers most products and services available at large national banks, which provides our members the convenience of a single-stop banking solution. OnPoint’s members can utilize:
- Checking and Savings Accounts
- Credit Cards
- Vehicle Loans
- Mortgages
- Personal Loans
- Business Banking
- Investment Services and Retirement Planning
The services are tailored to the varying financial needs of our members whether they are just beginning to save, buying their first home, or growing their business.
Banking that Suits your Lifestyle
To OnPoint Credit Union, investing in our members means expecting, and delivering, maximum flexibility and convenience. OnPoint’s members have access to their accounts and the ability to manage their finances wherever they are through our online and mobile banking systems.
OnPoint Credit Union also offers:
- Mobile Check Deposit
- Digital Wallets
- Contactless Payment
- Account Alerts
- Electronic Statements
- Zelle® and Secure Money Transfers
The aforementioned systems enable our members to stay up to date with their financial accounts without a necessity to visit a banking center.
Broad Access and Total Convenience
One of the biggest concerns with traditional banking systems is strain of accessibility. OnPoint believes this should not be a concern, and has developed a large network of branch and commercial locations, and over 70,000 ATMs that our members can access without being charged. OnPoint has many locations all over Oregon, and in Southwestern Washington State, which are designed to serve our members who need to visit a location for assistance.
The balance of convenience that modern banking technology has provided, and the convenience of traditional banking methods and face-to-face service allows OnPoint Credit Union to cater to both preferences.
Member Experiences and Reputation
Among the reviews from the community, one recurring positive theme is the customer service. The OnPoint staff, from what many community members say, are very caring, and they maintain good lending rates with great mortgages and auto loans. Many community members prefer using OnPoint for their daily banking. While there are slight inconveniences that some people have had with certain features of the app or the online payment system, people have clearly said that OnPoint customer service and the staff at the branches clearly help with any inconvenience.
People should keep in mind that financial experiences are totally subjective, and while balancing the modern way of banking with personal relationships has made OnPoint a great credit union to bank with, it is important to consider your needs.
Why Consider OnPoint Credit Union?
Compared to large commercial banks, OnPoint has a lot to offer such as:
- A member-owned credit union
- Better rates and lower fees
- Community engagement
- Full service banking
- Digital banking
- Access to branches and ATMs
All of these, while serving a purpose, really help OnPoint maintain a community centered engagement model for service while being financially beneficial.
Conclusion
OnPoint Credit Union is an example of what balancing a community centered mission with modern banking can achieve. Beginning as a teachers’ Credit Union and pioneering as a leading Regional Financial Cooperative, OnPoint has always prioritized member value. If someone is looking to bank with a credit union that is people centered as opposed to profit, OnPoint is an obvious answer.
