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Onpoint Community Credit Union Credit Card
About: OnPoint Community Credit Union is the largest credit union in Oregon. However, its size does not deter its commitment to providing quality, personalized service and education to its members and community. It offers a variety of banking options and provides credit union team members with the guidance and education they need to make the best financial decisions. OnPoint Community CU’s educational efforts are not limited to chapters and members, but also include public school students, prisoners and recently ex-offenders.
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In March 2020, the novel coronavirus pneumonia (COVID-19) epidemic plunged the U.S. social economy into uncertainty. Many people were already in financial trouble, and the pandemic has only made the situation worse as financial institutions temporarily closed their doors. Amid the global health crisis, many consumers are unable to talk to anyone at their banks or credit unions or easily access their accounts and financial information.
OnPoint Community CU recently completed its largest expansion in its history, opening 20 new Fred Meyer stores in Oregon and southwest Washington. The credit union manages $8.8 billion in assets and has more than 450,000 members. Each branch is free to serve the needs of the community they call home.
“We are a decentralized credit environment,” said Torey McVeigh, senior vice president and chief retail officer at OnPoint Community CU. “Our branches are on the front lines of lending decisions.
This means that branches have autonomy over what they do for their members. From financial services to educational resources and philanthropic support, each OnPoint Community CU affiliate is committed to providing personalized customer service.
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This is part of the credit union’s institutional mission to help members live more financially and socially sustainable lives.
OnPoint Community CU prides itself on its service and flexibility and offers members the opportunity to bank the way they want. It also aims to ensure members understand their options and how best to take advantage of them.
“Members tell us they want more choices in how they interact with us,” McVeigh said. “We want to meet our members where they are and provide our members with opportunities to interact with us in person, on the phone or digitally – whatever works for them – rather than putting them in a box Give the orders. Let them know how we want them to join us and interact with us.
Options for members include scheduling an appointment with a staff member, eliminating wait time in the lobby, and opening an account digitally without entering a branch. For those who prefer to do their banking in person but want to avoid crowds for health reasons, OnPoint Community CU also offers curbside service.
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“We’re here to provide services because we want to help keep people safe,” McVeigh said. “We’re going to do whatever we can for our members.”
Another way to protect OnPoint Community CU members is through remote retrieval of transactions. Although this is not a new service, its usage has increased since the early 2020s.
“We showed our members how easy it was to deposit money at an ATM or on their phone, and they switched to the technology,” McVeigh said.
OnPoint Community CU is also focusing on members struggling during the COVID-19 pandemic. Credit unions allow them to skip payments, waive minimum payments on some loans, offer some loans at zero interest and waive fees for early withdrawals from term deposits.
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“We quickly assembled our team and looked at how we could leverage existing products and services to help members through this time of need,” McVeigh said.
Additionally, OnPoint Community CU offers free consultations with financial advisors. At a time when all of these strategies are more important than ever, members can get advice and guidance on credit, budgeting and starting an emergency savings fund.
“Our financial advisors are not bound by appointments to talk,” McVeigh said. “This is a supplemental advisory and we are pleased to serve our community as a credit union.”
OnPoint Community CU is also partnering with Enrich to offer digital interactive education courses. Members who do not have time to sit with a tutor can study independently at their own convenience. The program provides education on budgeting, retirement planning, credit management and other important financial topics.
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“Our education managers are actively involved and we have a tool on our website that members and non-members can access,” McVeigh said. “We are in the early stages of Enrich and we continue to see opportunities to build it further and add more programs to the system to help our community achieve financial success.”
OnPoint Community CU provides financial education not only online and at its branches. It also actively provides financial literacy resources to public school students to help them prepare for a healthy financial future.
“In 2019, we are proud to engage 3,500 students through personal finance education and equip them with the skills to achieve their own financial wellness,” said McVay.
This success is the result of OnPoint Community CU’s partnership with the Oregon School Activities Association to advance student progress. It also enables the credit union to provide age-appropriate instruction and educational materials to young learners. Members of the administrative team will also work on an individual basis to renew teaching certificates once it is safe to return to the classroom.
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Meanwhile, OnPoint Community CU provides schools and teachers with rich content. This allows teachers to easily access resources when teaching finance courses.
“Many school districts are finding themselves in need of online financial education content, and Enrich is designed for that,” McVeigh said. “It provides a great curriculum for educators teaching personal finance.”
“We also work with people who are incarcerated or just out of prison and need financial education,” McVeigh said. “It’s beneficial and important to the community.”
People with criminal records often face challenges in finding gainful employment and making a living. As a result, they have a huge, often unmet, need for guidance in managing money and credit. OnPoint Community CU’s efforts help them prevent financial deprivation and put them on a path to financial success despite their past experiences.
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OnPoint Community CU is expanding its reach in Oregon communities. Twenty new Fred Meyer stores will open in the brand’s largest store expansion history. This is a financing niche that OnPoint Community CU wants to fill.
“We are entering new markets and communities that we have never been in before,” McVeigh said. “Every time something like this happens, there’s an opportunity to help invest in that community. We’re so excited to be able to make a real difference in every community.”
By expanding its reach, OnPoint is also expanding its commitment to the financial well-being of its community, reaching far beyond services and education.
“In 2020 alone, we donated more than $1.65 million to directly address financial challenges and growing community needs across the region,” McVeigh said. “We support 318 nonprofit organizations in Oregon and Southwest Washington, Focus on diversity, equity, inclusion, education, youth services and community development.”
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OnPoint Community CU promotes volunteerism by providing paid time off that employees can use to volunteer with charitable organizations. If their job is academic, paid time off is also unlimited. By empowering employees to make a positive impact, OnPoint Community CU ensures more people have access to financial education and helpful products and services that provide them with a path to financial stability and success.
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