OnPoint Community Credit Union
Quick Summary
- HSA savings account
The Verdict
OnPoint Community Credit Union provides essential HSA features with a monthly fee of $2.08 and basic savings functionality, earning a 0/5.0 rating from HSA Orbit.
At OnPoint, we strive to deliver smart financial solutions and a higher standard of service.
Our mission is to promote the financial well-being of our members by being the preferred provider of consumer and business products and services and to ensure the safety and soundness of our credit union.
Key Features
Banking & Access
Includes debit card and online banking.
Investment Options
This provider focuses on cash savings without investment options.
Security & Insurance
Deposits are FDIC/NCUA insured for your protection.
Account Details
No minimum balance to open. no account opening fees.
Fee Analysis
| Fee Type | This Provider | Industry Average | Verdict |
|---|---|---|---|
| Monthly Maintenance* | $2.08 | $0.69 | ABOVE AVG |
| Account Opening | $0.00 | $1.88 | EXCELLENT |
| Account Closing | $0.00 | $1.95 | EXCELLENT |
* Account Opening Fee
Industry averages calculated from 853 providers in the HSA Orbit database.
Investment Options
Savings-Only Account
OnPoint Community Credit Union currently offers a savings-focused HSA without investment options. Your funds earn interest in a cash account.
Interest Rates
Standard Rates
| Balance Range | APY |
|---|---|
| $0 - $25,000 | 0.05% |
| $25,000+ | 0.05% |
Last updated: 12-30-2025
Contact Information
Address
517 SW Harvey Milk St. Portland, OR 97204 Customer Service Mailing Address OnPoint Community Credit Union P.O. Box 3750 Portland, Oregon 97208
Customer Service
800-527-3932
517 SW Harvey Milk St. Portland, OR 97204 Customer Service Mailing Address OnPoint Community Credit Union P.O. Box 3750 Portland, Oregon 97208
At a Glance
Pros & Cons
The Good
- •No account opening or closing fees
- •FDIC/NCUA insured deposits
The Bad
- •Monthly fee of $2.08
- •No investment options available
User Sentiment
Based on community feedback
Sentiment data coming soon
Compare with Related Providers
Premier Bank
We see ourselves as more than bankers; we’re your partners, friends and neighbors. We want to talk about your day and your dreams, not just numbers. You inspire us to find solutions that are best for you and your business so that we can see you succeed. After all, we’re Powered by People.
Read Review →State Bank & Trust Co
State Bank & Trust Co. is a local, full-service bank, serving Nevada and Eastern Story County communities from one convenient location. Our goal is to simplify your banking and life by providing you with a level of personal service you don't often find today. As a local, community bank, we have worked for over 75 years to give our clients the most dependable and secure banking experience possible. Discover for yourself the advantages of a truly local banking relationship with State Bank & Trust Co. Call us or stop in to discuss how we can become your new bank, today!
Read Review →Hibernia Bank
Initially founded to provide residential mortgage loans to homeowners, over the years Hibernia has grown to become a full service bank offering a broad range of financial services to meet the needs of our customers in the New Orleans Metropolitan Area. In addition to our special brand of friendly personal service, we are known for competitive rates on loans and deposits, and for our careful attention to every detail in managing your accounts.
Read Review →Latest HSA Strategies
View all articles
Ineligible HSA Contribution? How to Fix It and Avoid Penalties
Made an ineligible HSA contribution? Learn how to fix excess contributions, avoid the 6% penalty, and handle Form 8889 before the tax deadline.
Why Does Tax Software Say My HSA Contribution Is Taxable?
Your tax software shows HSA contributions as taxable income? Learn why it happens, how to fix it in TurboTax and FreeTaxUSA, and avoid penalties.