Credit union · NCUA insured
OnPoint Community Credit Union Credit Card Rates
OnPoint Community Credit Union credit cards start at 11.50% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How OnPoint Community Credit Union’s credit card rates compare
Compared with banks and credit unions near Portland, OR-WA, where OnPoint Community Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
OnPoint Community Credit Union
11.50%APR
- Up to
- 22.00% APR
Platinum Visa
Lowest rate
Rivermark Community Credit Union
8.90%APR
- Up to
- 19.90% APR
2nd-lowest rate
Point West Credit Union
8.95%APR
- Up to
- —
OnPoint Community Credit Union credit card score
75
Credit card score
Higher than 40% of U.S. banks and credit unions
- Purchase APRPurchase APR11.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where OnPoint Community Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Platinum Visa
No annual fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 3.99% | None | 3.99% introductory APR for 6 months from account opening. |
| Ongoing | 11.50%–22.00% | None | Variable APR based on creditworthiness; varies with the market based on the prime rate. |
| Intro, 12 months | 6.99% | None | 6.99% introductory APR on balance transfers for 12 months from account opening. Interest begins charging on transaction date. |
| Ongoing | 13.50%–24.00% | None | Variable APR based on creditworthiness; varies with the market based on the prime rate. Interest begins charging on transaction date. |
Sources (1)
- onpointcu.com/credit-cards · captured Oct 17, 2026
Platinum Visa with Rewards
No annual fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 3.99% | None | 3.99% introductory APR for 6 months from account opening. |
| Ongoing | 12.50%–23.00% | None | Variable APR based on creditworthiness; varies with the market based on the prime rate. |
| Intro, 12 months | 6.99% | None | 6.99% introductory APR on balance transfers for 12 months from account opening. Interest begins charging on transaction date. |
| Ongoing | 14.50%–25.00% | None | Variable APR based on creditworthiness; varies with the market based on the prime rate. Interest begins charging on transaction date. |
Sources (1)
- onpointcu.com/credit-cards · captured Oct 17, 2026
Signature Visa with Cash Back Rewards
Must have an open checking account to qualify. Annual fee is $0.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 2.99% | None | 2.99% introductory APR for 6 months from account opening. |
| Ongoing | 13.50%–24.00% | None | Variable APR based on creditworthiness; varies with the market based on the prime rate. |
| Intro, 12 months | 4.99% | None | 4.99% introductory APR on balance transfers for 12 months from account opening. Interest begins charging on transaction date. |
| Ongoing | 15.50%–26.00% | None | Variable APR based on creditworthiness; varies with the market based on the prime rate. Interest begins charging on transaction date. |
Sources (1)
- onpointcu.com/credit-cards · captured Oct 22, 2026
Signature Visa with Rewards
No annual fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 2.99% | None | 2.99% introductory APR for 6 months from account opening. |
| Ongoing | 13.50%–24.00% | None | Variable APR based on creditworthiness; varies with the market based on the prime rate. |
| Intro, 12 months | 4.99% | None | 4.99% introductory APR on balance transfers for 12 months from account opening. Interest begins charging on transaction date. |
| Ongoing | 15.50%–26.00% | None | Variable APR based on creditworthiness; varies with the market based on the prime rate. Interest begins charging on transaction date. |
Sources (2)
All captured Oct 3, 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.