Credit union · NCUA insured
OnPoint Community Credit Union CD Rates
OnPoint Community Credit Union’s best CD rate is 2.75% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How OnPoint Community Credit Union’s CD rates compare
Compared with banks and credit unions near Portland, OR-WA, where OnPoint Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
OnPoint Community Credit Union
2.75%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $1,453
Certificates of Deposit
Top rate
Ironworkers USA Credit Union
4.75%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $973
2nd-highest rate
iQ Credit Union
4.50%APY
- Term
- 7 months
- Requires
- Another account
- Minimum
- $0
- Earns on $10,000
- $260
OnPoint Community Credit Union CD score
65
CD score
Higher than 15% of U.S. banks and credit unions
- 3–8 months3–8 mo2.01%
- 9–15 months9–15 mo2.51%
- 16–30 months16–30 mo2.61%
- 31–60 months31–60 mo2.75%
- QualifiedQualified2.75%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where OnPoint Community Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Special-purpose accounts
Traditional & Roth IRA Certificates of Deposit
Up to 2.81%APY · 8 terms
Membership required and subject to approval. Limit one Member Savings account per person. Early withdrawal penalty applies. Subsequent deposits are permitted on Traditional and Roth IRA CDs.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsStandard rate | 1.55% | $39 |
| 3 monthsWith OnPoint Rewards (requires 10-year relationship with OnPoint and 6 qualified transactions in the same checking account during qualification period) | 1.80% | $45 |
| 6 monthsStandard rate | 1.80% | $90 |
| 6 monthsWith OnPoint Rewards (requires 10-year relationship with OnPoint and 6 qualified transactions in the same checking account during qualification period) | 2.06% | $102 |
| 12 monthsStandard rate | 2.30% | $230 |
| 12 monthsWith OnPoint Rewards (requires 10-year relationship with OnPoint and 6 qualified transactions in the same checking account during qualification period) | 2.56% | $256 |
| 18 monthsStandard rate | 2.36% | $356 |
| 18 monthsWith OnPoint Rewards (requires 10-year relationship with OnPoint and 6 qualified transactions in the same checking account during qualification period) | 2.61% | $394 |
| 24 monthsStandard rate | 2.41% | $488 |
| 24 monthsWith OnPoint Rewards (requires 10-year relationship with OnPoint and 6 qualified transactions in the same checking account during qualification period) | 2.66% | $539 |
| 36 monthsStandard rate | 2.45% | $753 |
| 36 monthsWith OnPoint Rewards (requires 10-year relationship with OnPoint and 6 qualified transactions in the same checking account during qualification period) | 2.70% | $832 |
| 48 monthsStandard rate | 2.50% | $1,038 |
| 48 monthsWith OnPoint Rewards (requires 10-year relationship with OnPoint and 6 qualified transactions in the same checking account during qualification period) | 2.75% | $1,146 |
| 60 monthsStandard rate | 2.55% | $1,342 |
| 60 monthsWith OnPoint Rewards (requires 10-year relationship with OnPoint and 6 qualified transactions in the same checking account during qualification period) | 2.81% | $1,486 |
Sources (2)
All captured Sep 15, 2026
Certificates of Deposit
Up to 2.75%APY · 8 terms
Membership required and subject to approval. Limit one Member Savings account per person. Early withdrawal penalty applies. Subsequent deposits permitted for 3, 6, 12, 18, or 24 month terms ($100 minimum). Minors under 18 have $100 minimum balance requirement.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsStandard rate. Opening deposit $100 for members under 18; subsequent deposits of $100 or more allowed | 1.50% | $37 |
| 3 monthsWith OnPoint Rewards (requires 10-year relationship and 6 qualified transactions in the same checking account during qualification period; qualifications must be met on or before opening date). Subsequent deposits of $100 or more allowed | 1.75% | $43 |
| 6 monthsStandard rate. Opening deposit $100 for members under 18; subsequent deposits of $100 or more allowed | 1.75% | $87 |
| 6 monthsWith OnPoint Rewards (requires 10-year relationship and 6 qualified transactions in the same checking account during qualification period; qualifications must be met on or before opening date). Subsequent deposits of $100 or more allowed | 2.01% | $100 |
| 12 monthsStandard rate. Opening deposit $100 for members under 18; subsequent deposits of $100 or more allowed | 2.25% | $225 |
| 12 monthsWith OnPoint Rewards (requires 10-year relationship and 6 qualified transactions in the same checking account during qualification period; qualifications must be met on or before opening date). Subsequent deposits of $100 or more allowed | 2.51% | $251 |
| 18 monthsStandard rate. Opening deposit $100 for members under 18; subsequent deposits of $100 or more allowed | 2.30% | $347 |
| 18 monthsWith OnPoint Rewards (requires 10-year relationship and 6 qualified transactions in the same checking account during qualification period; qualifications must be met on or before opening date). Subsequent deposits of $100 or more allowed | 2.56% | $386 |
| 24 monthsStandard rate. Opening deposit $100 for members under 18; subsequent deposits of $100 or more allowed | 2.36% | $478 |
| 24 monthsWith OnPoint Rewards (requires 10-year relationship and 6 qualified transactions in the same checking account during qualification period; qualifications must be met on or before opening date). Subsequent deposits of $100 or more allowed | 2.61% | $529 |
| 36 monthsStandard rate | 2.40% | $737 |
| 36 monthsWith OnPoint Rewards (requires 10-year relationship and 6 qualified transactions in the same checking account during qualification period; qualifications must be met on or before opening date) | 2.65% | $816 |
| 48 monthsStandard rate | 2.45% | $1,017 |
| 48 monthsWith OnPoint Rewards (requires 10-year relationship and 6 qualified transactions in the same checking account during qualification period; qualifications must be met on or before opening date) | 2.70% | $1,125 |
| 60 monthsStandard rate | 2.50% | $1,314 |
| 60 monthsWith OnPoint Rewards (requires 10-year relationship and 6 qualified transactions in the same checking account during qualification period; qualifications must be met on or before opening date) | 2.75% | $1,453 |
Sources (2)
All captured Oct 15, 2026
Who can join OnPoint Community Credit Union
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.
Membership information collected October 4, 2026.