OnPoint Community Credit Union offers a range of services similar to those of commercial banks, such as personal and business accounts. The credit union also offers investment services and insurance.
As of 2015, the personal banking products offered by OnPoint include checking and savings accounts, IRAs, credit cards and various types of loans. Several types of Visa card are available through the credit union, including a reloadable prepaid card with a maximum balance of $3,000. Loans on offer include auto, home equity, personal loans, personal lines of credit and payday loans. A number of different types of mortgage loans are also available, such as conventional fixed and adjustable-rate mortgages, jumbo fixed and adjustable-rate mortgages, FHA loans, and special loans for first-time home buyers and those who work at educational institutions.
Business accounts, services and loans are also available. Loan types include operating lines of credit, term loans, real estate loans and auto loans. Merchant services include payment processing, security tools, transaction analysis, gift cards and loyalty card programs.
Available investment products include traditional and Roth IRAs, 401(k)s, mutual funds, annuities and college savings plans. The credit union also insures vehicles and property, and it offers business and life insurance.
Membership in the credit union is available to most people who reside, work, worship or attend school in Oregon.