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- Earn 2% cash back on every purchase with OnPoint SIgnature Visa
  The OnPoint Signature Visa with Cash Back Rewards credit card comes with the tools to manage your money with convenience and confidence. Plus it comes with the great rates, perks, and security you want from a credit union you’ll love.
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- OnPoint Business Rewards
  Improving your business is a constant pursuit. Our OnPoint Business Rewards offer discounts and bonuses to help you cut costs and streamline your needs. With the potential to earn more for your business and save more with loan and account perks, OnPoint Business Rewards could be right for you!
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- OnPoint Prize for Excellence in Education
  OnPoint 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.
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Loans Lending

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Credit Cards

How can I set up purchase alerts on my OnPoint Visa credit card?
Can I use my Visa Credit Card when traveling?
How can I request an increased credit card limit?
How do I view or access the rewards points on my Business Visa Credit Card?
How can I initiate a credit card balance transfer request?
How can I dispute a charge on my credit card?
Can I use my Business Credit Card for overdraft protection?
I would like to check my credit score Does OnPoint offer this service to members?
How do I report a lost or stolen OnPoint credit card?
Can I make my credit card payment online?
Do you offer a rewards program for any of your credit cards?
How do I view and redeem my Visa credit card rewards points?
How do I set a travel alert?

Home Equity

How do I apply for or refinance a home equity line of credit or fixed portion option?
What can I use an EquityFlex Line of Credit or Fixed Portion option for?
What are the fees for an EquityFlex Line of Credit?
Is the interest on my EquityFlex Line of Credit or Fixed Portion option tax deductible?
How do I determine how much equity I have in my home?
What is equity?
Can I build equity faster and pay off my mortgage with an EquityFlex Line of Credit or Fixed Portion option from OnPoint?

Mortgage

Does OnPoint offer property or land loans?
Can I view mortgage information in Digital Banking?
Do you offer reverse mortgages?
At what point during the home buying process should I speak to a lender?
What is the difference between mortgage prequalification and preapproval?
How can I get pre-approved for a mortgage?
How can I check the status of my home loan?
What should I bring with me to my mortgage appointment?
Can I apply for a mortgage before I find a property to purchase?
How are mortgage interest rates determined?
Do you have a list of foreclosed homes for sale?
Are there any deals for first time homebuyers?
Should I pay discount points in exchange for a lower interest rate?
What are closing costs?
Does OnPoint offer FHA or VA loans?

Auto Loans

How can I apply for or refinance an auto loan?
Can I apply for an auto loan if I havent found the car I want yet?
What is Credit Union Direct Lending CUDL?
What are the insurance requirements for an auto loan?
Can I change the due date on my loan?
How long does it take to receive my vehicle title once I pay off my auto loan?

Business Lending

What are your business loan options?
Do you offer payday loans?
What types of terms does OnPoint offer on Business Operating Lines of Credit?
What documents should I bring with me when I apply for a business loan line of credit or commercial real estate loan?
What types of collateral can be used to secure a business term loan or line of credit?
What types of equipment can be financed with a business term loan or line of credit?
Will I need collateral to secure a Business Operating Line of Credit or Term Loan?
Do you offer Small Business Administration SBA loans?

Commerical Lending

Will any applicable closing costs and fees be included in the loan amount for business real estate loans?
How do I apply for a Business Real Estate Loan?
What terms are available on OnPoints Commercial Real Estate Loans?

Card Manager Support

I dont see my debit card on Card Manager what do I do?
I need more assistance who do I call?
I set online purchases to decline but continued to receive approved transactions from amazon Why did they not get declined?
Will the Card Manager App work outside the US?
Can I use Card Manager on a laptop or desktop?
How long can I keep my card off?
I love Card Manager Can I manage cards from other Financial Institutions?
How do I set up alerts?
Do I need two separate apps?
Will I be able to view all my transactions?

Loan Payments

Can I skip a loan payment?
Can I make my loan payment online?
How do I make a principal payment on my loan?
Im making my last consumer loan payment How do I obtain a loan payoff amount?
When are automatic loan payments made?
Can I pay my loan payment from another financial institution?
Do you send bills or coupon books for your loans payments?

Rates

What OnPoint products have rates determined by the Prime Rate?
If I have a variable rate product how will I know when the rate will change?
How are mortgage interest rates determined?
What are your current savings account interest rates?
How are interest rates determined?

Student Loans

Do you offer student loans to your members?

Skip Pay

I submitted my Skip Pay request but my due date has not changed Did you receive my Skip Pay request?
Can I skip a loan payment?

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Routing number
323075880

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OnPoint Community Credit Union
P.O. Box 3750
Portland, Oregon 97208

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Serving Oregon and SW Washington with mortgage loans, savings accounts, and auto loans in Portland, Vancouver, Salem, Bend and Eugene.

Federally insured by NCUA.
Equal Housing Opportunity.

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