Credit union · NCUA insured
OnPoint Community Credit Union
A $9.6B credit union, the 30th largest of 4,329, headquartered in Portland, OR, with 648,972 members and 60 branches in 2 states. Best rates: CDs 2.75% and savings 0.15% APY.
OnPoint Community Credit Union Carrot Score
77
Carrot Score
Higher than 45% of U.S. banks and credit unions
#21 of 56 in Portland, OR-WA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About OnPoint Community Credit Union
Founded in 1932 as Portland Teachers Credit Union by 16 schoolteachers, the institution was created to provide a safe place for savings and low-cost loans to teachers and their families.
Now operating as a member-owned credit union with 60 branches, it serves residents and workers across 33 counties in Oregon and four counties in Washington.
In 2005, the credit union was granted a community charter in Oregon and Southwest Washington and changed its name to OnPoint Community Credit Union.
- Headquarters
- 2701 NW Vaughn St, Portland, OR 97210
- NCUA charter
- 62745
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live or work in any of the 33 served Oregon counties are eligible for membership.
- Individuals who live, work, worship, or go to school in any of the 4 served Washington counties (Clark, Skamania, Cowlitz, Lewis) are eligible for membership.
Family and household
- Family members of a person eligible for OnPoint membership are eligible to join.
Branches
60 branches in 2 states
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Oregon
52 branches
Portland area · 40
- 158th & Walker15995 SW Walker Rd, Beaverton, OR 97006Directions
- Beaverton2755 SW Cedar Hills Blvd Ste 100, Beaverton, OR 97005Directions
- Beaverton Town Square11425 SW Beaverton Hillsdale Hwy, Beaverton, OR 97005Directions
- Murrayhill14733 SW Teal Blvd, Beaverton, OR 97007Directions
- Clackamas Promenade8854 SE Sunnyside Rd, Clackamas, OR 97015Directions
- Cornelius2200 Baseline St, Cornelius, OR 97113Directions
- East Gresham2497 SE Burnside Rd, Gresham, OR 97080Directions
- Gresham1700 NW Civic Dr Ste 101, Gresham, OR 97030Directions
- Happy Valley17055 SE Sunnyside Rd Ste 126, Happy Valley, OR 97015Directions
- Orenco Station7130 NE Cornell Rd, Hillsboro, OR 97124Directions
- Reed's Crossing7833 SE Blanton St, Hillsboro, OR 97123Directions
- South Hillsboro6495 SE Tualatin Valley Hwy, Hillsboro, OR 97123Directions
- Kruse Meadows6300 Meadows Rd, Lake Oswego, OR 97035Directions
- McMinnville2430 NE McDonald Ln, McMinnville, OR 97128Directions
- Oak Grove2915 SE Oak Grove Blvd, Milwaukie, OR 97267Directions
- Newberg4105 E Crestview Dr, Suite 105, Newberg, OR 97132Directions
- Oregon City19753 Highway 213, Oregon City, OR 97045Directions
- 205 Place9730 SE Washington St, Portland, OR 97216Directions
- 67th & Glisan6615 NE Glisan St, Portland, OR 97213Directions
- Burlingame7555 SW Barbur Blvd, Portland, OR 97219Directions
- Fremont & Williams16 NE Fremont St, Portland, OR 97212Directions
- Hawthorne3404 SE Hawthorne Blvd, Portland, OR 97214Directions
- Hillsdale6367 SW Capitol Hwy, Portland, OR 97239Directions
- Hollywood3030 NE Weidler St, Portland, OR 97232Directions
- Johnson Creek8955 SE 82nd Ave, Portland, OR 97086Directions
- Lloyd Center1100 NE Weidler St, Portland, OR 97232Directions
- NW 27th & Vaughn2688 NW Vaughn St, Portland, OR 97210Directions
- North Lombard5262 N Lombard St, Portland, OR 97203Directions
- Rose City6901 NE Sandy Blvd, Portland, OR 97213Directions
- SW 5th & Harvey Milk517 SW Harvey Milk St, Portland, OR 97204Directions
- Sellwood8085 SE 13th Ave, Portland, OR 97202Directions
- Stadium2011 W Burnside St, Portland, OR 97209Directions
- Woodstock4515 SE Woodstock Blvd, Portland, OR 97206Directions
- Sandy16625 362nd Ave, Sandy, OR 97055Directions
- Scappoose51501 Columbia River Hwy, Scappoose, OR 97056Directions
- Sherwood16798 SW Edy Rd, Suite 118, Sherwood, OR 97140Directions
- Tigard11565 SW Pacific Hwy, Tigard, OR 97223Directions
- Cherry Park2457 SW Cherry Park Rd, Troutdale, OR 97060Directions
- Tualatin19200 SW Martinazzi Ave, Tualatin, OR 97062Directions
- Wilsonville9460 SW Wilsonville Rd, Suite 101, Wilsonville, OR 97070Directions
Eugene area · 4
- Coburg Road207 Coburg Rd Ste 101, Eugene, OR 97401Directions
- Santa Clara60 Division Ave, Suite B, Eugene, OR 97404Directions
- West Eugene3333 W 11th Ave, Eugene, OR 97402Directions
- Springfield650 Q St, Springfield, OR 97477Directions
Bend area · 3
- Bend Downtown950 NW Bond St, Bend, OR 97703Directions
- Bend South61276 S Highway 97 Ste 100, Bend, OR 97702Directions
- Redmond South1380 SW Canal Blvd Ste 105, Redmond, OR 97756Directions
Salem area · 3
- Keizer5120 River Rd N, Keizer, OR 97303Directions
- South Salem3450 Commercial St SE, Salem, OR 97302Directions
- West Salem645 9th St NW Ste 185, Salem, OR 97304Directions
Albany area · 1
- Albany2500 Santiam Hwy SE, Albany, OR 97322Directions
Corvallis area · 1
- Corvallis777 NW Kings Blvd, Corvallis, OR 97330Directions
Washington
8 branches
- Ridgefield420 N 56th Place, Ste 102, Ridgefield, WA 98642Directions
- Andresen6711 NE 63rd St, Vancouver, WA 98661Directions
- Burton2615 NE 112th Ave, Vancouver, WA 98684Directions
- Hazel Dell7700 NE Highway 99, Vancouver, WA 98665Directions
- Mill Plain16020 SE Mill Plain Blvd, Suite 109, Vancouver, WA 98684Directions
- Orchards7411 NE 117th Ave, Vancouver, WA 98662Directions
- Salmon Creek800 NE Tenney Rd, Vancouver, WA 98685Directions
- Vancouver Waterfront611 W Columbia Way, Vancouver, WA 98660Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 15.00% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.98% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 1.40% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $80 | $88 | — |
- CapitalNet worth ratio15.00%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.98%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets1.40%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$80Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of OnPoint Community Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.