OnPoint lending
Auto Loans from OnPoint Community Credit Union
Financing for newer and used vehicles with published APR ranges and term bands, subject to credit qualification.
Who it’s for
Members purchasing or refinancing a vehicle who want credit union auto financing with transparent published rate ranges.
Benefits
- Published APR ranges for newer and used vehicles
- Term options in the published 36–60 month band (confirm current terms)
- Local member service and Digital Banking payment options where available
- Credit qualification with clear disclosure that actual APR depends on credit and terms
Key features
- Auto loans for 2023 & newer vehicles: published 4.99%–9.44% APR (36–60 months)
- Used auto loans for 2020–2022: published 5.14%–9.84% APR (36–60 months)
- Refinance options may be available — confirm with OnPoint
- Not a commitment to lend; underwriting applies
Eligibility & requirements
Membership and credit qualification required. Auto loan eligibility and credit qualification apply
Fees
See current fee disclosures for this product
OnPoint banking with this product
Auto Loans is part of OnPoint Community Credit Union (also searched as OnPoint Credit Union, OnPointCU, and OnPoint banking). Manage accounts through OnPoint login, confirm direct deposit with routing 323075880, and review current rates.
Auto Loans FAQs
Who offers Auto Loans at OnPoint?
Auto Loans is offered by OnPoint Community Credit Union (OnPointCU / OnPoint Credit Union) for eligible members in Oregon and Southwest Washington.
How do I bank digitally with OnPoint?
Use the OnPoint login hub at /login/ for OnPointCU login and Online Banking. Enrollment help is on this site.
Are OnPoint deposits NCUA-insured?
Yes. Shares are federally insured to at least $250,000 by the NCUA (charter 62745).