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  On Point Community Credit Union Interest Checking

On Point Community Credit Union Interest Checking

in Checking Accounts from On Point Community Credit Union

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On Point Community Credit Union Interest Checking

Unaffiliated

in Checking Accounts from On Point Community Credit Union

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Highlights
Monthly Fee $0 - $7
ATM Fee: Out-of-Network $0
Minimum Balance to Avoid Monthly Fee N/A
APY (Annual Percentage Yield) 0.05%

On Point Community Credit Union Interest Checking Review

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 across the USA.

Key Takeaways
  • Low APY. The maximum annual percentage yield for this account is only .05%.
  • Charges a monthly fee. This account charges a monthly service fee of up to $7, but there are ways to waive the fee.
  • No ATM fees. On Point Community Credit Union Interest Checking does not charge fees on ATM transactions.
  • Free bill pay. Pay your bills to practically anyone in the United States through On Point Community Credit Union.
  • Hard credit pull. On Point Community Credit Union may require a hard pull on your credit report to open a checking account.
On Point Community Credit Union Interest Checking Pros & Cons
Pros Cons
  • Interest bearing checking account.
  • No ATM fees.
  • Interest-yielding account.
  • Deposits are insured by the NCUA (up to $250K).
  • Access to physical branches.
  • Free debit card
  • No charge on incoming domestic or international wire transfers.
  • Low APY, with a monthly maintenance fee when the balance dips below $500.
  • Fees are not easily accessible.
  • No signup bonus.
  • Not FDIC-insured.
  • Only available in 2 states.
  • Monthly service charge.
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?

On Point Community Credit Union Interest Checking Rates & Terms
Description
APY (Annual Percentage Yield) 0.05%

On Point Community Credit Union Interest Checking offers an APY of .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 to open an account.

On Point Community Credit Union Interest Checking Account Minimums
Description Amount
Minimum Opening Deposit $50
APY Minimum Balance $500

What fees does On Point Community Credit Union Interest Checking charge?

This account charges a monthly service fee of up to $7.

On Point Community Credit Union Interest Checking Fees
Description
ATM Fee: In-Network $0
Monthly Fee $0 - $7
NSF Fee $30
Online Bill Pay Fee $0
Overdraft Item Fee $30
ATM Fee: Out-of-Network $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 fee.

What features and perks does On Point Community Credit Union Interest Checking offer?

This account includes the following features:

  • Free 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 checks in your account with a mobile app on your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.
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Contact

  • Headquarters
  •   2701 NW Vaughn Street
    Suite 800
    Portland, OR 97210
  •   Visit Site

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

Other Services by On Point Community Credit Union

Availability

  Available in 2 states
  • Oregon
  • Washington

Feature Breakdown

APY Minimum Balance $500
Minimum Opening Deposit Starting at $50
ATM Fee: In-Network $0
Online Bill Pay Fee $0
ATM Fee: Out-of-Network $0
Monthly Fee $0 - $7
NSF Fee $30
Overdraft Item Fee $30
Bank Account Features
  • Branch Access
  • Debit Card
  • Free Bill Pay
  • Interest Bearing Account
  • Mobile Banking
  • Mobile Check Deposit
  • Nationwide ATM Network
  • NCUA Member
  • No ATM Fees
APY (Annual Percentage Yield) 0.05%

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