OnPoint Community Credit Union Shares Practical Steps To Reset Finances In January As Holiday Debt Lingers Into New Year (Photo) - 01/06/26

From No-Buy January to subscription audits, credit union offers realistic ways to cut spending and pay down balances

PORTLAND, Ore. – Americans racked up an average of $1,223 in holiday debt this year, according to LendingTree’s Holiday Debt Survey released on December 22. The survey also found 41% of Americans are still paying off holiday debt from 2024.

“January is an ideal time to take a clear-eyed look at your spending and build a plan that’s sustainable,” says Amber Kelly, Oregon City branch manager at OnPoint Community Credit Union. “Small changes — like reducing impulse buys and trimming recurring expenses — can free up cash quickly and help people make measurable progress on debt.”

To help people in Oregon and southwest Washington start 2026 on stronger financial footing, OnPoint recommends these practical post-holiday reset strategies:

• Try a “No-Buy January” reset. Instead of vague belt-tightening, commit to 30 days without non-essentials. This trend gained traction online in 2025 as a quick way to reset habits and free up cash for debt payoff.
• Do a digital detox. Unfollow shopping accounts on social media and avoid online shopping platforms and email promo lists. Research shows reducing exposure to ads can significantly lower impulse spending.
• Scrub your subscriptions. January is a great month to cancel or pause unused subscriptions (streaming, apps, meal kits). One popular challenge is to tally up all auto-renewals, then redirect those monthly savings toward debt repayment.
• Leverage consolidation tools — with a plan. Consider balance transfer credit cards or personal loans to lower interest rates — paired with a clear payoff timeline and monthly payment target to avoid extending the debt. Consumers who want additional guidance can also consider building a simple debt-payoff roadmap (listing balances, interest rates, and minimum payments) and setting up automatic payments to avoid missed due dates and late fees.
• Explore relief options through your bank or credit union. Many financial institutions offer short-term tools to help members manage post-holiday strain, such as payment deferrals, hardship programs, or financial counseling. OnPoint’s Winter Skip Pay program allows eligible members to skip a qualifying loan payment in January, and members can also access personalized financial counseling through the credit union’s GreenPath Financial Wellness partnership.

The start of a new year offers an opportunity to reassess financial habits and create a plan that supports long-term stability. By identifying opportunities to cut costs, using available tools responsibly, and partnering with a credit union that prioritizes member well-being, consumers can take practical steps toward paying down debt. Learn more about financial resources and support available through OnPoint.

About OnPoint Community Credit Union

OnPoint Community Credit Union is the largest credit union in Oregon, serving more than 633,000 members and with assets of $9.53 billion. Founded in 1932, OnPoint Community Credit Union’s membership is available to anyone who lives or works in one of 28 Oregon counties (Benton, Clackamas, Clatsop, Columbia, Coos, Crook, Curry, Deschutes, Douglas, Gilliam, Hood River, Jackson, Jefferson, Josephine, Klamath, Lane, Lincoln, Linn, Marion, Morrow, Multnomah, Polk, Sherman, Tillamook, Wasco, Washington, Wheeler and Yamhill) and four Washington counties (Cowlitz, Clark, Lewis and Skamania). OnPoint Community Credit Union is federally insured by the National Credit Union Administration (NCUA). More information is available at OnPointCU.com.

New Year, New Growth: OnPoint Community Credit Union Expands To Ridgefield In Southwest Washington (Photo) - 01/05/26

Ridgefield location marks the eighth OnPoint branch in Clark County

PORTLAND, Ore. — OnPoint Community Credit Union announced today it will open its eighth branch in Clark County — its 59^th branch overall. The latest location will be in the Union Ridge Town Center at 420 N. 56th Place, Ste. 102 and is slated to open its doors on January 12. To celebrate, OnPoint will donate $5,000 to Neighbors Helping Neighbors Ridgefield and host a community grand opening event on February 21.

“Ridgefield is growing quickly with new businesses and development, and many of our members call it home,” said Rob Stuart, president and CEO, OnPoint Community Credit Union. “We want everyone in the community to feel welcome and have access to our services. As the region grows, we’re proud to grow alongside it and support financial well-being — one person at a time.”

Local Leadership, Local Connection

Long time Ridgefield resident and area vice president/branch manager Kristen Gillis will lead the new branch. Gillis has been with OnPoint since 2011 and most recently managed the Mill Plain Branch.

“I’ve spent nearly my whole life in Ridgefield, and I’m excited to bring OnPoint’s financial services and community support to my hometown,” Gillis said. “We look forward to building long-lasting relationships with new members, nonprofits, and small businesses.”

OnPoint’s donation to Neighbors Helping Neighbors Ridgefield is an example of building community-focused relationships. The nonprofit works to alleviate hunger by providing food, clothing, and household staples to needy residents of Ridgefield, La Center, Felida, and Salmon Creek.

"We’ve worked to give essential items to our neighbors in need for over 40 years, but getting support from local organizations like OnPoint is always critical,” said Judy Chipman, board treasurer, Neighbors Helping Neighbors Ridgefield. “We’re very grateful to OnPoint for this gift and for their commitment to partnering with organizations working to make our community stronger.”

The donation will help purchase food, maintain its building, and assist in starting a Saturday program to give working families access to the food bank. 

OnPoint will also team up with its members to make additional donations to two local nonprofits: Ridgefield Public Schools Foundation and Friends of the Ridgefield Wildlife Refuge. Each new member who opens a personal or business checking account at the Ridgefield branch between January 12 and April 12 can choose which of the two nonprofits receive a $50 donation from OnPoint.

Grand Opening Celebration

The Ridgefield community is invited to join OnPoint’s grand opening celebration on Saturday, February 21, from 9:00 a.m. to 1:00 p.m. Guests can meet the branch team and explore the new space.

The Ridgefield Branch will provide a comprehensive suite of financial services, including:

• Full member account support
• New membership enrollment
• Personal and commercial loans
• Home and equity lending
• Financial planning
• ATM services
• Notarization

OnPoint also offers free, one-on-one financial counseling, debt management support, and education resources through its partnership with GreenPath Financial Wellness.

Ridgefield will be the first of OnPoint’s new branches on tap for 2026. Last year, the credit union announced an expansion of its Washington charter, allowing it to offer membership to people who live, work, worship, and/or attend school in Cowlitz and Lewis counties. The expansion builds on OnPoint’s current southwest Washington service area of Clark and Skamania counties.

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About OnPoint Community Credit Union

OnPoint Community Credit Union is the largest credit union in Oregon, serving more than 633,000 members and with assets of $9.53 billion. Founded in 1932, OnPoint Community Credit Union’s membership is available to anyone who lives or works in one of 28 Oregon counties (Benton, Clackamas, Clatsop, Columbia, Coos, Crook, Curry, Deschutes, Douglas, Gilliam, Hood River, Jackson, Jefferson, Josephine, Klamath, Lane, Lincoln, Linn, Marion, Morrow, Multnomah, Polk, Sherman, Tillamook, Wasco, Washington, Wheeler and Yamhill) and four Washington counties (Cowlitz, Clark, Lewis and Skamania). OnPoint Community Credit Union is federally insured by the National Credit Union Administration (NCUA). More information is available at OnPointCU.com.

OnPoint Community Credit Union And Its Employees Support Four United Way Chapters To The Tune Of $66,000 Dollars (Photo) - 12/22/25

The annual donation will help fund programs supporting the health and education of children and vulnerable families across Oregon and southwest Washington      

PORTLAND, Ore. — OnPoint Community Credit Union and its employees donated $66,253 this year to four United Way chapters serving Oregon and southwest Washington. This contribution marks OnPoint’s 19^th annual employee-led fundraising campaign, benefiting United Way in communities the credit union serves. Employees raised $51,253 through creative fundraisers, which OnPoint matched with an additional $15,000 corporate donation.

“Partnerships like this reflect the power of what we can accomplish for our communities together,” said Rob Stuart, president and chief executive officer, OnPoint Community Credit Union. “Our team is proud to support United Way’s efforts to expand education, health and family support programs throughout Oregon and southwest Washington.”

The campaign invited OnPoint’s more than 1,200 employees to make voluntary individual contributions to United Way through fundraisers such as prize drawings, vacation raffles, and Candy Grams. The donation will help fund health and education programs that provide kids and families with equitable opportunities to build a good quality of life. Examples include:

• United Way of the Columbia-Willamette’s Early Learning Hubs and other educational initiatives, connect parents and caregivers to free or low-cost preschool for their children, plus access to parenting workshops and classes.
• United Way of Linn, Benton and Lincoln Counties’ Linn Can, promotes the safety and well-being of Linn County’s children by raising public awareness about the effects of abuse and neglect.
• United Way of Central Oregon’s KIDS Center, provides no-cost evaluations, family support and therapy to victims of child abuse.
• United Way of the Mid-Willamette Valley’s Enrichment Academy, is a before- and after-school program designed to increase student achievement, improve student and family engagement, reduce hunger, and increase wellness.

“We appreciate OnPoint’s continued commitment to our communities,” said Kelly O’Lague, president and CEO of United Way of the Columbia-Willamette. “Their support helps us provide reliable services that make a meaningful difference for families across the region.”

The United Way donation follows another impactful year for OnPoint’s annual giving program, donating more than $4 million to 357 nonprofits in Oregon and southwest Washington in 2025. Learn more about OnPoint’s work to address the most critical needs in the communities it serves.

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 About Onpoint Community Credit Union

OnPoint Community Credit Union is the largest credit union headquartered in Oregon, serving more than 631,000 members throughout Oregon and southwest Washington. Founded in 1932, OnPoint Community Credit Union’s membership is available to anyone who lives or works in one of 28 Oregon counties (Benton, Clackamas, Clatsop, Columbia, Coos, Crook, Curry, Deschutes, Douglas, Gilliam, Hood River, Jackson, Jefferson, Josephine, Klamath, Lane, Lincoln, Linn, Marion, Morrow, Multnomah, Polk, Sherman, Tillamook, Wasco, Washington, Wheeler and Yamhill) and who lives, works, worships, or attends school in one of four Washington counties (Clark, Cowlitz, Lewis, and Skamania), and their immediate family members. OnPoint Community Credit Union is federally insured by the National Credit Union Administration (NCUA). More information is available at onpointcu.com.

About United Way of the Columbia-Willamette
For over 100 years, United Way of the Columbia-Willamette has helped meet the needs of vulnerable families in our region. As part of the United Way Worldwide network, the largest privately funded non-profit in the world, United Way of the Columbia-Willamette is uniquely positioned to connect and support the people, non-profits, businesses and government agencies working hard to address poverty in our region. United Way brings people together to build strong, equitable communities where everyone can thrive. As one of the world's largest privately funded charities, it serves 95% of U.S. communities and 37 countries and territories -- making life better for 48 million people every year. Through United Way, communities tackle tough challenges and work with private, public, and non-profit partners to boost education, economic mobility, and health resources. United Way is the mission of choice for 1.5 million volunteers, 6.8 million donors, and 45,000 corporate partners in more than 1,100 communities worldwide.

Oregon & Southwest Washington Nonprofits Receive More Than $4 Million From OnPoint Community Credit Union In 2025 (Photo) - 12/18/25

Donations mark another record-breaking year of giving for OnPoint, which supported more than 350 nonprofits in 2025

PORTLAND, Ore. — Oregon’s largest credit union donated an unprecedented amount to 350+ nonprofits across Oregon and southwest Washington. This year’s giving totaled more than $4 million, and focused on food and shelter, youth services, financial education, and environmental stewardship.

“The holiday season reminds us of what communities can accomplish when we come together,” said Rob Stuart, president and CEO of OnPoint Community Credit Union. “These nonprofits are feeding families, helping people stay housed and giving children a safe place to sleep. We are honored to advance their missions.”

The support comes at a critical time, as one in eight people in the region is experiencing food insecurity, according to Feeding America. $110,000 of OnPoint's total 2025 donations were earmarked specifically for food and shelter support services via an annual employee giving campaign.

OnPoint’s Employee Giving Campaign

Every year, OnPoint employees receive $50 each to allocate to the food or shelter nonprofit of their choice. The campaign, now in its ninth year, resulted in just over 1,270 OnPoint employees contributing a combined $53,085 to 225 nonprofits. Eight of those organizations received an additional $60,000 match from OnPoint to further advance their critical missions. The funds will be divided equally among the following groups:

• Centro Cultural: Provides culturally-specific free food to approximately 500-600 families and individuals weekly in Cornelius, Oregon.
• Path Home: With more unsheltered families in Oregon than any state in the nation, Path Home empowers families and children to get back into housing and stay there long-term.
• Marion Polk Food Share: Distributes nutritious food for individuals and families to more than 100 local partners, including food pantries and meal sites. It also delivers Meals on Wheels and operates an urban farm.
• Looking Glass Community Services: Provides comprehensive services to teens in crisis, including emergency shelter for homeless youth.
• J Bar J Youth Services: Provides shelter, transitional living, family mediation, and counseling for homeless youth.
• Council on Aging of Central Oregon: Provides meals for adults ages 60 and older through Meals on Wheels and Community Dining in Central Oregon.
• FISH of Vancouver: Provides emergency food boxes to those in need through its food pantry.
• YWCA of Clark County: Dedicated to empowering women, preventing violence and eliminating racism and other forms of oppression. It is the only Emergency Domestic Violence Shelter in Clark County.              

“At Marion Polk Food Share, $1 donated provides 3 meals in our community, which means that the employees of OnPoint Community Credit Union have provided more than 22,000 meals for the people in Marion and Polk counties this holiday season,” said Rick Gaupo, president & CEO, Marion Polk Food Share. “All we can say is thank you, thank you, thank you, thank you, thank you for shortening the distance between families and the nutritious food they need to thrive."  

To learn more about OnPoint’s charitable giving, visit onpointcu.com/community-giving.

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About OnPoint Community Credit Union

OnPoint Community Credit Union is the largest credit union headquartered in Oregon, with assets of over $9.5 billion and serving more than 631,000 members throughout Oregon and southwest Washington. Founded in 1932, OnPoint Community Credit Union’s membership is available to anyone who lives or works in one of 28 Oregon counties (Benton, Clackamas, Clatsop, Columbia, Coos, Crook, Curry, Deschutes, Douglas, Gilliam, Hood River, Jackson, Jefferson, Josephine, Klamath, Lane, Lincoln, Linn, Marion, Morrow, Multnomah, Polk, Sherman, Tillamook, Wasco, Washington, Wheeler and Yamhill) and who lives, works, worships, or attends school in one of four Washington counties (Clark, Cowlitz, Lewis, and Skamania), and their immediate family members. OnPoint Community Credit Union is federally insured by the National Credit Union Administration (NCUA). More information is available at onpointcu.com.

University Of Oregon Senior Awarded $4,000 Scholarship From OnPoint Community Credit Union (Photo) - 12/15/25

Scholarship supports Lundquist College of Business students who pursue careers in commercial banking

EUGENE, Ore. — A senior accounting major at the University of Oregon’s Lundquist College of Business has been named the recipient of the OnPoint Community Credit Union Scholarship. The $4,000 award will support the senior during the 2025–2026 academic year as they pursue a career in commercial banking. While choosing to remain anonymous, the student shares how the scholarship will help.

“OnPoint’s generosity has made a significant difference in my academic journey, and I am truly honored to receive this scholarship. The support helps ease some of the financial burden; it also motivates me to continue striving for excellence in the field of accounting. I am inspired by OnPoint’s commitment to supporting students like me and hope to one day pay that generosity forward,” said the recent scholarship winner.
 

First-of-its-kind scholarship at the University of Oregon

OnPoint Community Credit Union created the first dedicated commercial banking scholarship at the Lundquist College of Business in 2024. It awards $4,000 annually to an undergraduate student who demonstrates an interest in a banking career.

“At OnPoint, we believe investing in education is one of the most powerful ways we can strengthen our communities,” said Bob Harding, senior vice president and chief commercial officer, OnPoint Community Credit Union. “Supporting students helps ensure the commercial banking industry continues to thrive with talented, passionate professionals who are ready to make a positive impact.”

Fueling commercial banking education

The OnPoint scholarship aligns with the school’s growing interest in commercial banking. Enrollment in the university’s commercial banking courses has experienced significant growth since 2020, offering students training in financial skills such as risk analysis, loan structuring and ethics, along with providing networking opportunities with industry executives.

2026-27 Applications Are Open

The scholarship application for the 2026–2027 school year will open on December 15 and close on February 16, 2026. The Lundquist College of Business oversees the application and selection process, which includes a personal statement, resume, and committee review. Recipients are selected based on financial need and the student’s interest in pursuing a career in banking.

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About OnPoint Community Credit Union

OnPoint Community Credit Union is the largest credit union in Oregon, serving over 631,000 members and with assets of $9.56 billion. Founded in 1932, OnPoint Community Credit Union’s membership is available to anyone who lives or works in one of 28 Oregon counties (Benton, Clackamas, Clatsop, Columbia, Coos, Crook, Curry, Deschutes, Douglas, Gilliam, Hood River, Jackson, Jefferson, Josephine, Klamath, Lane, Lincoln, Linn, Marion, Morrow, Multnomah, Polk, Sherman, Tillamook, Wasco, Washington, Wheeler and Yamhill) and four Washington counties (Clark, Cowlitz, Lewis and Skamania) and their immediate family members. OnPoint Community Credit Union is federally insured by the National Credit Union Administration (NCUA). More information is available at onpointcu.com.

OnPoint Community Credit Union Named Oregon's Most Admired Financial Services Company In 2025 (Photo) - 12/11/25

Portland Business Journal ranks Oregon's largest credit union first among banks and wealth management firms for the third year in a row

PORTLAND, Ore. — The Portland Business Journal has named OnPoint Community Credit Union Oregon's “Most Admired Company” in the Financial Services category — for the third year running. This recognition marks OnPoint’s 18th consecutive year as one of the state’s most admired credit unions, banks or wealth management firms. OnPoint was also ranked seventh in the Across All Industries category among the state’s top employers, nonprofits, and iconic brands. 

“This honor belongs to our members, community partners, and employees,” said Rob Stuart, president/CEO, OnPoint Community Credit Union. “Their commitment to strengthening our communities is what drives us every day. We are grateful to the Portland Business Journal for this recognition and for celebrating the organizations building a stronger Oregon and southwest Washington.”

The Portland Business Journal surveys nearly 2,500 chief executive officers (CEOs) across Oregon and southwest Washington to identify organizations they admire in 10 industry categories. It also includes three they admire overall for innovation, brand strength, community involvement, quality of management, and quality of products and services.

Growing access to financial services across the region

OnPoint strengthened its presence across Oregon and southwest Washington in 2025 through new branches, an extended field of membership, and planned investments in its headquarters.

This year, OnPoint expanded its field of membership in southwest Washington to include Cowlitz and Lewis counties, adding to its service area in Clark and Skamania counties. The credit union will continue to grow in the region with new branches planned for Battle Ground and Ridgefield in 2026 to serve more households and businesses in one of the area’s fastest-growing corridors.

In Oregon, OnPoint opened its 58th location in Hillsboro at Reed’s Crossing Town Center. The credit union also announced plans to expand its Montgomery Park headquarters and open a new downtown Portland branch in 2026, enhancing service for members and supporting its expanding commercial, nonprofit, and small business banking teams.

Investing in students, educators, and schools

In 2025, OnPoint advanced its support for students, educators and schools across Oregon and southwest Washington through signature programs, longstanding partnerships, and new initiatives that promote college-to-career readiness.

A new partnership with the Portland State University School of Business will bring OnPoint into student-focused events throughout the 2025–26 academic year, including guest speakers in business courses and free professional headshots for students. The credit union’s education-related athletics partnerships continued as well, including Portland State University Athletics and the Oregon Athletics Touchdown for Teachers programs.

OnPoint supported local students through the 2025 KGW School Supply Drive, marking its 18th year participating in the campaign. This year’s drive collected more than $1 million worth of supplies for over 40,000 students, aided by an OnPoint match contribution of $20,000. The credit union also provided $193,000 in awards and scholarships to educators and students through the OnPoint Prize for Excellence in Education and its partnership with the Oregon School Activities Association (OSAA).

Historic year of giving supports local nonprofits and community needs

OnPoint donations are expected to exceed $4 million this year, supporting more than 350 nonprofits across Oregon and southwest Washington. This year’s giving focused on food and shelter, youth services, financial education, environmental stewardship and diversity, equity and inclusion.

The credit union’s annual Giving Tuesday employee giving program gave $50 to each of its nearly 1,300 employees to direct to nonprofits addressing food and shelter insecurity in its service region, resulting in over $53,000 directed to 225 nonprofits to help meet critical needs for families across Oregon and southwest Washington. More information about OnPoint’s giving program is available at onpointcu.com/community-giving.

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About OnPoint Community Credit Union

OnPoint Community Credit Union is the largest credit union headquartered in Oregon, serving more than 631,000 members throughout Oregon and southwest Washington. Founded in 1932, OnPoint Community Credit Union’s membership is available to anyone who lives or works in one of 28 Oregon counties (Benton, Clackamas, Clatsop, Columbia, Coos, Crook, Curry, Deschutes, Douglas, Gilliam, Hood River, Jackson, Jefferson, Josephine, Klamath, Lane, Lincoln, Linn, Marion, Morrow, Multnomah, Polk, Sherman, Tillamook, Wasco, Washington, Wheeler and Yamhill) and who lives, works, worships, or attends school in one of four Washington counties (Clark, Cowlitz, Lewis, and Skamania), and their immediate family members. OnPoint Community Credit Union is federally insured by the National Credit Union Administration (NCUA). More information is available at onpointcu.com.