OnPoint lending
Personal Loans from OnPoint Community Credit Union
Flexible personal loans up to $25,000 with fixed APRs, plus personal lines of credit and Payday Advantage™ for short-term needs.
Who it’s for
Members financing purchases, consolidating expenses, or needing revolving credit—subject to credit approval.
Benefits
- Personal loans up to $25,000 with terms up to 60 months
- Personal lines of credit from $100 to $25,000 with overdraft protection options
- Payday Advantage™ loans from $200–$600 for short-term needs between paychecks
- OnPoint Rewards may provide 0.25% off eligible fixed consumer APRs (exclusions apply)
Key features
- Personal loan APR 11.00%–16.00% fixed (published table)
- Personal line of credit APR 16.75%–18.75% variable; $24 annual fee
- Payday Advantage™ 12.00% fixed APR with program limits
- Apply online with instant decision where offered; not a commitment to lend
Eligibility & requirements
Membership and credit qualification required.
Fees
Personal Line of Credit annual fee $24; see Personal Fee Schedule.
OnPoint banking with this product
Personal 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.
Personal Loans FAQs
Who offers Personal Loans at OnPoint?
Personal 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).