OnPoint Community Credit Union is a member-owned financial cooperative headquartered in Salem, Oregon, serving individuals who hold a membership in the organization. Its structure aligns with a not-for-profit model in which profits are reinvested in member services rather than distributed as earnings to outside shareholders. The credit union operates within a regulatory framework that governs cooperative financial institutions, emphasizing safety and soundness in its operations and governance.
Historically, OnPoint emerged from a network of community-focused financial cooperatives that sought to provide affordable financial access and member control over services. The organization offers a range of fundamental banking functions, including deposit accounts, lending products, and financial education resources, with an emphasis on accessibility for its membership. Its operational footprint spans multiple locations and channels, facilitating routine and community-oriented financial activities while adhering to applicable state and federal regulatory requirements. The entity prioritizes member participation in decision-making processes and governance.
Better than 70% of providers in Salem
In addition to the primary service, OnPoint Community Credit Union also offers:
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OnPoint Community Credit Union is a verified financial service provider. This means we have confirmed their business information, contact details, and they have received customer reviews. You can trust this provider for your financial needs.
Find answers to common questions
OnPoint Community Credit Union is listed as a financial service provider in Salem, OR and must follow both state and federal regulations that apply to this type of business. As with any financial provider, you should review the agreement carefully before signing, make sure you understand all fees and repayment terms, and only use official contact details from this page or the company's own website. Avoid sharing personal or payment information with anyone who contacts you unexpectedly and, if something seems unclear, ask OnPoint Community Credit Union to explain the terms in writing before you proceed.
To improve your chances of getting better terms from OnPoint Community Credit Union, be prepared with accurate information about your income, existing debts, and the amount you really need to borrow. If possible, check your credit history in advance, avoid late payments on other accounts, and consider offering collateral if the product allows it, as stronger overall finances can help you qualify for more favorable rates or fees. It's also a good idea to compare OnPoint Community Credit Union with other providers in Salem and to ask directly about any current promotions, loyalty benefits, or ways to reduce the total cost of your loan.
OnPoint Community Credit Union has a rating of 4.0, which is better than 70% of providers in Salem.
Requirements can vary by product, but for most visits you should be ready to bring a valid government-issued ID, proof of income (such as recent pay stubs or bank statements), and proof of address like a utility bill or lease. If you are applying for a title or secured loan, you may also need the vehicle title, registration, and insurance details, along with any other documents OnPoint Community Credit Union requests. It is always best to call ahead using the phone number on this page so OnPoint Community Credit Union can confirm exactly which documents you need for your specific situation.
In addition to its primary service, OnPoint Community Credit Union also offers: Credit union, ATM, Bank, Business banking service, Business to business service, Car finance and loan company, Mortgage lender.