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Onpoint Credit Union Interest Rates
In one word. OnPoint Community Credit Union is Oregon’s largest credit union. However, its size does not diminish its commitment to providing quality, personal service and training to members and communities. It offers many banking options, and the credit union team provides members with the guidance and education they need to make the best financial decisions. And OnPoint Community CU’s educational outreach extends beyond member-owned businesses to public school students, inmates and recently incarcerated individuals.
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In March 2020, the COVID-19 pandemic threw the American public and economy into uncertainty. Many people were already struggling with their finances, and the pandemic made things worse when financial institutions temporarily closed their doors. During the global health crisis, many consumers couldn’t talk to anyone at a bank or credit union or easily access their accounts and finances.
OnPoint Community CU recently completed its largest expansion to date with the opening of 20 new Fred Meyer locations in Oregon and Southwest Washington. The credit union manages $8.8 billion in assets for more than 450,000 members. And each of those branches retains the freedom to respond to the needs of the communities they call home.
“We have a different lending environment,” said Torey McVeigh, vice president and director of sales for OnPoint Community CU. “Our branches are the best in making credit decisions.”
This means that affiliates have the autonomy to do what is best for their members. From financial services to educational resources to philanthropic support, every OnPoint Community CU branch is empowered to provide personalized customer service.
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It’s all part of the credit union’s mission to help members live financially and socially stable lives.
OnPoint Community CU prides itself on its service and flexibility, offering members the ability to bank the way they want. The aim is also to ensure that members understand their options and how best to use them.
“Members have told us they want more choice in how they interact with us,” McVeigh said. “We want to meet members where they are and give our members the opportunity to connect with us in person, by phone or digitally, whatever works for them, rather than putting them in a box and telling them how we want them to work.” communicate with each other. with us and communicate with us.
Options for members include arranging appointments with staff, eliminating waiting times in lounges and opening accounts digitally without a branch. OnPoint Community CU also offers walk-in service for those who want to shop in person but want to avoid the crowds.
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“We’re here to provide assistance because we want to help keep people safe,” McVeigh said. “We do our best for our members.”
Another way to keep OnPoint Community CU members safe is remote capture. Although the promise is not new, it has grown since the beginning of 2020.
“We showed members how easy it is to deposit money at ATMs or over the phone, and they’re benefiting from the technology,” McVeigh said.
OnPoint Community CU also pays special attention to members who are fighting the COVID-19 pandemic. The credit union allowed them to skip payments, waive minimum payment limits on some loans, offered 0% interest loans and canceled CDs for early withdrawal.
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“We quickly assembled a team and thought about what we could do with our current products and services to help members in this need,” McVeigh said.
In addition, OnPoint Community CU offers free consultations with its financial advisors. Members can get advice and guidance on managing their debt, budgeting and starting emergency savings at a time when all of these strategies are more important than ever.
“There’s no problem making an appointment to talk to our financial advisor,” McVeigh said. “This is a free consultation that we are happy to offer as a credit union in our community.”
OnPoint Community CU also partnered with Enrich to offer digital, interactive courses. Members who do not have time to sit with an instructor can study independently. This program provides education on budgeting, retirement planning, debt management and other important financial topics.
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“Our education manager is very involved in this, and we have a tool on our website that members and non-members can use,” McVeigh said. “We are early adopters of Enrich and continue to look for opportunities to grow this even further and add more programs to the program to help our community achieve financial success.”
OnPoint Community CU doesn’t just offer financial education online and in its branches. It also works in public schools, providing students with financial literacy resources and preparing them for a healthy financial future.
“In 2019, we rewarded 3,500 students with personalized financial education and equipped them with the skills to achieve their own financial well-being, and we’re proud of that,” McVeigh said.
This success is due to OnPoint Community CU’s partnership with the Oregon Schools Activities Association to continue engaging with students. It also enables the credit union to provide age-appropriate learning and teaching materials to younger students. Leadership team members even seek to certify teachers to renew their efforts once they are safely back in the classroom.
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At the same time, OnPoint Community CU offers versatile content for schools and teachers. It puts resources in the hands of professors when they teach finance courses.
“Many school districts are finding they need e-literacy resources, and Enrich is already built for that,” McVeigh said. “It has an excellent curriculum for teachers who teach finance.”
“We’ve worked with people who have been incarcerated or recently released from prison and need financial education,” McVeigh said. “It’s rewarding and important to the community.”
People with criminal records often have difficulty finding gainful employment and earning a living. As a result, they have a significant, often unmet, need for guidance in managing their money and creditworthiness. OnPoint Community CU’s efforts help prevent financial disenfranchisement and put them on the path to financial success regardless of background.
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OnPoint Community CU’s mission is to expand its presence in Oregon communities. The largest location expansion in the brand’s history will open 20 new locations in Fred Meyer stores. This is the funding gap that OnPoint Community CU wanted to fill.
“We’re entering new markets and communities we’ve never been in before,” McVeigh said. “Whenever that happens, we have an opportunity to help invest in that area and community. We’re excited to make a real difference in each of these communities.”
By expanding its service area, OnPoint also expands its commitment to the economic well-being of the community beyond services and education.
“In 2020 alone, we have donated more than $1.65 million to address the region’s major economic challenges and growing community needs,” McVeigh said. “We have supported 318 nonprofit organizations in Oregon and Southwest Washington with a focus on diversity, equity, inclusion, education, youth services and community development.”
Onpoint Community Credit Union Online Banking Service Agreement
OnPoint Community CU promotes volunteerism by offering paid time off that employees can use to volunteer with community charities. Paid leave is unlimited if their job is to teach. By encouraging employees to make a positive impact, OnPoint Community CU ensures that more people have access to financial education and useful products and services, providing them with a path to financial stability and success.
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