--- title: "Onpoint Community Credit Union Rates (Nov 2026): Mortgage 7.22%" description: "Onpoint Community Credit Union rates today: 30 year fixed mortgage 7.22% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Onpoint Community Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/oregon/onpoint-community" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Onpoint Community Credit Union Rates (Nov 2026): Mortgage 7.22% ### Mortgage rates 11 offers | Product | Published | Rate | Term / condition | Status | | **Jumbo 30-Year Fixed** 30 year fixed | 7.225% APR | 7.125% | — | Standard | | **30-Year Fixed** 30 year fixed | 7.226% APR | 7.125% | — | Standard | | **30-Year Fixed** 30 year fixed | 7.238% APR | 7.125% | — | Standard | | **15-Year Fixed** 15 year fixed | 6.674% APR | 6.500% | — | Standard | | **Jumbo 5/5 ARM** 5 5 arm | 7.262% APR | 6.500% | — | Standard | | **5/5 ARM** 5 5 arm | 7.274% APR | 6.500% | — | Standard | | **5/5 ARM** 5 5 arm | 7.286% APR | 6.500% | — | Standard | | **Terms VA** other | 7.117% APR | 7.000% | — | Standard | | **Terms FHA** other | 7.123% APR | 7.000% | — | Standard | | **Terms Just for Starters** other | 8.479% APR | 8.375% | — | Standard | | **Terms Homeroom** other | 8.479% APR | 8.375% | — | Standard | Onpoint Community Credit Union mortgage rates as of November 12, 2026 ### HELOC rates 4 offers | Product | Published | Rate | Term / condition | Status | | **Available Terms 5 - 20 years 4** heloc | — APR | 6.000% | — | Standard | | **Available Terms 10-year draw period, 20-year amortization period** heloc | — APR | 7.000% | — | Standard | | **Available Terms 10 - 20 years 4** heloc | — APR | 9.500% | — | Standard | | **Available Terms 10 - 15 years 4** heloc | — APR | 10.250% | — | Standard | Onpoint Community Credit Union heloc rates as of November 12, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Interest rates and charges Balance transfers** credit_card_balance_transfer | — APR | 6.990% | — | Standard | Onpoint Community Credit Union credit card rates as of November 12, 2026 ### Other rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Interest rates and charges Purchases** other | — % | 3.990% | — | Standard | Onpoint Community Credit Union other rates as of November 12, 2026 As of November 12, 2026, Onpoint Community Credit Union offers a 30-year fixed mortgage at 7.225% APR (0.5 points). > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/oregon/onpoint-community) , verified from [Onpoint Community Credit Union's official website](https://www.onpointcu.com/) Best product position **Room to improve vs. the Oregon median** 30-year fixed mortgage Gap to state best **25 bp** 25 bp from state best Vs. state median **8 bp behind median** 30-year fixed mortgage Products ranked **1** across tracked Oregon markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 7.22% | Room to improve vs. the Oregon median | 25 bp from state best | 8 bp behind median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Onpoint Community Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=onpoint-community&state=oregon&code=OR&name=Onpoint%20Community%20Credit%20Union) Loading branch locator… ## About Onpoint Community Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 649K Assets $9.6B Founded 1932 Locations reported 62 NCUA charter 62745 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program - Bilingual services Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Selco Community** Forest Park · Portland · OR · 97210 About 1.8 miles away](https://rateapi.dev/credit-unions/oregon/selco-community) [**I.l.w.u.** Portland · Portland · OR · 97209 About 2.1 miles away](https://rateapi.dev/credit-unions/california/ilwu) [**Consolidated** Northwest · Portland · OR · 97209 About 2.2 miles away](https://rateapi.dev/credit-unions/oregon/consolidated) [**Rivermark Community** Lombard Branch · Portland · OR · 97203 About 2.6 miles away](https://rateapi.dev/credit-unions/oregon/rivermark-community) [**Trailhead** Mississippi Branch · Portland · OR · 97227 About 3.0 miles away](https://rateapi.dev/credit-unions/oregon/trailhead) [**Oregonians** 04 - St Johns Branch · Portland · OR · 97203-3173 About 3.0 miles away](https://rateapi.dev/credit-unions/oregon/oregonians) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Onpoint Community Credit Union Membership eligibility from Onpoint Community Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Onpoint Community Credit Union's website. Check the membership page below to confirm whether you qualify. - Location baker, benton, clackamas, clatsop, columbia, coos, crook, curry, deschutes, douglas, gilliam, hood river, jackson, jefferson, josephine, klamath, lane, lincoln, linn, malheur, marion, morrow, multnomah, polk, sherman, tillamook, umatilla, union, wallowa, wasco, washington, wheeler, yamhill, clark, skamania, cowlitz, lewis — OR, WA Verified from [Onpoint Community Credit Union's membership page](https://www.onpointcu.com/become-a-member/) . Final membership determination is always made by the credit union. ## Membership rules for Onpoint Community Credit Union Geography 37 counties · Family 83 published paths to membership, last verified November 8, 2026, quoted from Onpoint Community Credit Union’s own published criteria. ### Geography 37 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Baker County, OR - Benton County, OR - Clackamas County, OR - Clark County, WA - Clatsop County, OR - Columbia County, OR - Coos County, OR - Cowlitz County, WA - Crook County, OR - Curry County, OR - Deschutes County, OR - Douglas County, OR - Gilliam County, OR - Hood River County, OR - Jackson County, OR - Jefferson County, OR - Josephine County, OR - Klamath County, OR - Lane County, OR - Lewis County, WA - Lincoln County, OR - Linn County, OR - Malheur County, OR - Marion County, OR - Morrow County, OR - Multnomah County, OR - Polk County, OR - Sherman County, OR - Skamania County, WA - Tillamook County, OR - Umatilla County, OR - Union County, OR - Wallowa County, OR - Wasco County, OR - Washington County, OR - Wheeler County, OR - Yamhill County, OR “You live or work in any of the counties we serve, or you’re a family member of a person who is eligible for OnPoint membership. The 28 counties we serve in Oregon: Benton Clackamas Clatsop Columbia Coos Crook Curry Deschutes Douglas Gilliam Hood…” > [source ↗](https://www.onpointcu.com/become-a-member/) Show all 37 places ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Family of someone eligible family “You live or work in any of the counties we serve, or you’re a family member of a person who is eligible for OnPoint membership.” > [source ↗](https://www.onpointcu.com/become-a-member/) - Family member (family) of an eligible person Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Onpoint Community Credit Union? Yes No ## Work at Onpoint Community Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Onpoint Community Credit Union ranks against Oregon peers. - See which AI assistants fetched Onpoint Community Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Oregon - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=onpoint-community&state=oregon&code=OR&name=Onpoint%20Community%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Onpoint Community Credit Union offer? Onpoint Community Credit Union currently offers mortgage, HELOC, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Onpoint Community Credit Union rates updated? RateAPI verifies Onpoint Community Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Onpoint Community Credit Union's rate data? Rate data is collected directly from Onpoint Community Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Onpoint Community Credit Union's mortgage rate? As of November 12, 2026, Onpoint Community Credit Union offers a 30-year fixed mortgage at 7.225% APR. ### Who can join Onpoint Community Credit Union? Onpoint Community Credit Union publishes its membership criteria on its own website. RateAPI tracks 83 published membership paths covering 37 counties for Onpoint Community Credit Union, each quoted from Onpoint Community Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Onpoint Community Credit Union's rates against national credit-union benchmarks. [More Oregon credit unions](https://rateapi.dev/credit-unions/oregon) [Oregon mortgage rate leaders](https://rateapi.dev/mortgage-rates/oregon) [Oregon HELOC rate leaders](https://rateapi.dev/heloc-rates/oregon) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.onpointcu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Onpoint Community Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Oregon credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Onpoint Community Credit Union curl "https://api.rateapi.dev/credit-unions/oregon /onpoint-community " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Onpoint Community Credit Union locations Search, filter, and browse all 62 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/oregon/onpoint-community Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp