Last Updated: 01/21/2026
On Point Community Credit Union Interest Checking
Unaffiliated
Last Updated: 01/21/2026
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Highlights
Welcome Offer
N/A(Verified 09/28/2022)
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.05%(Verified 06/21/2024)
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Monthly Service Fee
$0 - $7(Verified 01/21/2026)
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On Point Community Credit Union Interest Checking Review
The On Point Community Credit Union Interest Checking is offered by On Point Community Credit Union, a credit union founded in 1932 and based in Portland, OR. On Point Community Credit Union Interest Checking is available in 2 states.
Key Takeaways
- Low annual percentage yield (APY). The maximum annual percentage yield for this account is only 0.05% .
- Charges a monthly fee. This account charges a monthly fee of up to $7.
- No ATM fees. On Point Community Credit Union Interest Checking does not charge fees on ATM transactions .
- Bill pay. Pay your bills to practically anyone in the United States when you enroll in On Point Community Credit Union mobile or online banking.
On Point Community Credit Union Interest Checking Pros & Cons
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On Point Community Credit Union Interest Checking FAQ
Are checking accounts from On Point Community Credit Union federally insured?
No, your On Point Community Credit Union checking accounts are not insured by a federal insurance agency. This means that if On Point Community Credit Union were to fall into financial difficulties, your deposits are not covered by a government-backed insurance fund like the FDIC or NCUSIF.
What APY does On Point Community Credit Union Interest Checking offer?
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| APY (Annual Percentage Yield) | 0.05% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
On Point Community Credit Union Interest Checking offers an APY of 0.05% (APY stands for annual percentage yield, rates may change). However, to earn interest, account holders must keep an average beginning day balance of $500.
What are the account minimums for On Point Community Credit Union Interest Checking?
On Point Community Credit Union Interest Checking requires a minimum initial deposit of $50.
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| Minimum Balance to Earn APY | $500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | Starting at $50 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does On Point Community Credit Union Interest Checking charge?
This account charges a monthly maintenance fee each statement cycle of up to $7.
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| Monthly Service Fee | $0 - $7 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does On Point Community Credit Union Interest Checking charge overdraft fees?
Yes, On Point Community Credit Union Interest Checking charges a $30 fee for every overdraft.What features and perks does On Point Community Credit Union Interest Checking offer?
This account includes the following features:
- Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - On Point Community Credit Union Interest Checking allows you to manage your money online or with a mobile app. This includes depositing checks1 in your account with a mobile app on your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
What is the customer support email for On Point Community Credit Union Interest Checking?
The customer support email for On Point Community Credit Union Interest Checking is info@onpointcu.com.
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Message from On Point Community Credit Union Interest Checking
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:30PM
Tuesday
9:00AM - 5:30PM
Wednesday
9:00AM - 5:30PM
Thursday
9:00AM - 5:30PM
Friday
9:00AM - 6:00PM
Saturday
9:00AM - 1:00PM