Credit union · NCUA insured
OnPoint Community Credit Union Savings Rates
OnPoint Community Credit Union’s best savings rate is 0.15% APY on $10,000, with its FlexSmart Money Market Account. Rates checked October 22, 2026.
How OnPoint Community Credit Union’s savings 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
3.75%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $375
OnPoint Premium Savings Account
Top rate
Peak Credit Union
5.00%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $500
2nd-highest rate
WaFd Bank
3.82%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $382
OnPoint Community Credit Union savings score
82
Savings score
Higher than 58% of U.S. banks and credit unions
- $1,000 balance$1,0003.75%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0000.15%
- QualifiedQualified3.75%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Member Savings
0.10%APY
Membership is required and subject to approval. Limit one Member Savings account per person. Interest is compounded and credited monthly. Rates on Regular and IRA Savings are variable and may change after the account is opened.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,000 | 3.75% | — |
| Over $1,000 | 0.10% | $10 |
Sources (1)
- onpointcu.com/ira-savings-accounts · captured Oct 17, 2026
OnPoint Premium Savings Account
3.75%APY
OnPoint Premium Savings account is a sweep account; balances up to the Maximum Program Deposit Amount ($250,000.00) may be swept to NCUA or FDIC insured deposit accounts held at participating Receiving Financial Institutions. Requires qualifying for OnPoint Rewards (10-year membership or 6 qualifying transactions per calendar month in an OnPoint checking account), an active OnPoint Loyalty Savings account, and opt-in through OnPoint Online Banking. One account per member/TIN. All interest is compounded and credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000Must qualify for OnPoint Rewards, have an active OnPoint Loyalty Savings account, and opt-in through Online Banking. | 3.75% | $375 | Must qualify for OnPoint Rewards, have an active OnPoint Loyalty Savings account, and opt-in through Online Banking. |
| Over $100,000Must qualify for OnPoint Rewards, have an active OnPoint Loyalty Savings account, and opt-in through Online Banking. | 2.25% | — | Must qualify for OnPoint Rewards, have an active OnPoint Loyalty Savings account, and opt-in through Online Banking. |
Sources (2)
All captured Oct 17, 2026
OnPoint Loyalty Savings Account
0.35%APY
Must qualify for OnPoint Rewards (requires 10-year relationship with OnPoint or 6 qualified transactions in the same checking account during the qualification period). Interest is compounded and credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Must qualify for OnPoint Rewards. | 0.35% | $35 | Must qualify for OnPoint Rewards. |
| $50,000 – $100,000Must qualify for OnPoint Rewards. | 0.35% | — | Must qualify for OnPoint Rewards. |
| $100,000 – $250,000Must qualify for OnPoint Rewards. | 0.35% | — | Must qualify for OnPoint Rewards. |
| $250,000 and upMust qualify for OnPoint Rewards. | 0.35% | — | Must qualify for OnPoint Rewards. |
Sources (2)
All captured Oct 17, 2026
FlexSmart Money Market Account
0.15%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.15% | $15 |
Sources (2)
All captured Oct 3, 2026
Secondary Savings
0.10%APY
Rates are variable and may change after the account is opened. Interest is compounded and credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (2)
All captured Oct 17, 2026
Special-purpose accounts
OnPoint Savers® Account
0.34%APY on $10,000
Account must be established for members age 17 or younger by parent or guardian with a minimum $25 deposit. Parent or legal guardian must be on the membership and present to open the OnPoint Savers account. When primary member attains age 18, account will convert to Member Savings Account, earning that account's published APY at the time. Fiduciary memberships, including UTMA and Minor Settlement Accounts are not eligible. One account per member/TIN. Full account balance APY is calculated by combining 5.00% APY earnings on the first $500 with lower APY on remaining balance above $500.01. Interest is compounded and credited monthly.
| Part of the balance | Rate on that part |
|---|---|
| Up to $500 | 4.89% |
| Over $500 | 0.10% |
On $10,000 the tiers blend to about 0.34% APY, earning $34 a year.
Sources (2)
All captured Oct 17, 2026
Money Market IRA
0.20%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.20% | $20 |
Sources (1)
- onpointcu.com/member-rate-sheets/deposit-rate-sheet · captured Oct 3, 2026
IRA Savings
0.15%APY
Available as Traditional or Roth IRA savings options. Rates on Regular and IRA Savings are variable and may change after the account is opened. Interest is compounded and credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.15% | $15 |
Sources (2)
All captured Oct 17, 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.