OnPoint Community Credit Union Launches Free Financial Literacy Curriculum To Help Oregon Educators Build Students’ Money Skills (Photo) - 10/26/26

Classroom-ready lessons help students build real-world money skills as Oregon high schools prepare for new personal finance graduation requirement

PORTLAND, Ore. — OnPoint Community Credit Union launched a free, classroom-ready financial literacy curriculum today to help Oregon educators teach students practical money skills. The new resource comes as financial education takes on a larger role in Oregon high schools under the Personal Financial Education requirement established by Senate Bill 3 (SB3).

Access to dedicated financial education remains limited, however. Only 14% of Oregon students are guaranteed to take a standalone personal finance course before graduation, according to the 2026 State of Financial Education Report from Next Gen Personal Finance, a nonprofit focused on expanding access to personal finance education. The same report found that standalone course requirements are six times more effective at improving graduates’ financial wellness, including higher credit scores and lower delinquency rates.

“Financial decisions impact nearly every part of life, including how you save, borrow and plan for the future,” said Peter Rector, financial wellness manager at OnPoint Community Credit Union. “As Oregon educators prepare to bring personal finance into more classrooms, this curriculum gives them the tools to turn core financial concepts into clear, relevant lessons students can use now and after graduation.”

OnPoint’s curriculum is designed to make personal finance easier to teach and more relevant to students’ everyday lives. It includes free, ready-to-use lessons on budgeting, credit, taxes, wealth building and financial well-being for teachers, school districts and homeschool educators. The resources are also available to youth programs, nonprofit organizations and community groups.

What students will learn: Budgeting, banking, credit and more

The curriculum includes 12 lessons across four core areas of personal finance, each with an educator guide, student handout and presentation deck:

• Financial foundations: Helps students understand their relationship with money, set goals, create budgets and build healthy financial habits.
• Banking and financial systems: Introduces students to interest, financial institutions, banking products and the role banking plays in everyday money decisions.
• Credit and borrowing: Helps students understand how credit works, how credit scores are built and how borrowing decisions can affect future opportunities.
• Financial responsibility and wealth building: Covers taxes, saving and investing, fraud prevention, identity protection and other financial responsibilities students may face as adults.

OnPoint developed the curriculum using Oregon Personal Financial Education standards and requirements established through SB3. Spanish-language materials are expected to be available in 2027.

Building on OnPoint’s education roots

Founded by 16 schoolteachers in 1932, OnPoint continues to build on its education roots by helping people across the communities it serves build financial confidence. The new curriculum carries that legacy forward with lessons designed to help students make informed money decisions and prepare for life after graduation.

OnPoint also offers additional financial education resources and programming, including interactive learning tools through Enrich, financial wellness support from GreenPath and financial education sessions for schools and community organizations by request. For more information, visit https://www.onpointcu.com/financial-education/.

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About OnPoint Community Credit Union

OnPoint Community Credit Union is the largest credit union headquartered in Oregon, serving more than 671,000 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 33 Oregon counties (Baker, Benton, Clackamas, Clatsop, Columbia, Coos, Crook, Curry, Deschutes, Douglas, Gilliam, Hood River, Jackson, Jefferson, Josephine, Klamath, Lane, Lincoln, Linn, Malheur, Marion, Morrow, Multnomah, Polk, Sherman, Tillamook, Umatilla, Union, Wallowa, 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.

Federally insured by NCUA. Equal Housing Opportunity.

Disclosures

The educational resources provided on this page are intended for informational and educational purposes only and should not be considered financial, legal, tax, investment or professional advice.

Curriculum materials are available free of charge and may be used by educators, schools, homeschool programs, nonprofit organizations and community groups for educational purposes.

While this curriculum was developed using Oregon Personal Financial Education standards and concepts associated with Senate Bill 3, use of these materials alone does not guarantee compliance with any local, state, district, accreditation or graduation requirements. Educators and school administrators are responsible for determining how these resources fit within their instructional programs and standards requirements.

Lesson durations are approximate and may vary based on instructional approach, classroom size, student engagement and supplemental activities.

Links to third-party educational resources, tools and partners are provided as a convenience. OnPoint Community Credit Union is not responsible for the content, availability or privacy practices of external websites.

Classroom presentation availability may vary based on volunteer availability, school location, scheduling and program capacity. Submission of a request does not guarantee classroom placement or presentation scheduling.

OnPoint Community Credit Union Helps Small Businesses In Oregon And SW Washington Defend Against The Latest Cyber Scams (Photo) - 10/15/26

AI-assisted impersonation, sophisticated payment fraud and new forms of phishing are raising the stakes for small businesses

PORTLAND, Ore. — Cyber threats are becoming harder for small businesses to detect as criminals use artificial intelligence, stolen credentials, and increasingly sophisticated impersonation tactics. Half of small and midsize businesses reported a cybersecurity incident in the past year, according to the National Cybersecurity Alliance’s 2026 Small Business Cybersecurity Awareness & Practices Survey.

OnPoint Community Credit Union is highlighting emerging cyber scams during Cybersecurity Awareness Month and sharing practical steps small businesses can take to protect their money, data, and operations.

“Automation and AI help cybercriminals make scams faster, more convincing and harder to recognize,” said Emma Stocker, director of information security, OnPoint Community Credit Union. “Small businesses can reduce their risk by verifying financial transactions, restricting access to critical accounts and making cybersecurity part of everyday operations.”

The cyber threats businesses should know

Cybercriminals are using new tools and tactics to make scams more convincing and harder to detect. Here are four threats OnPoint advises small business owners to watch for:

• AI-powered executive and vendor impersonation. AI is making scams more polished and convincing, including fake emails, invoices and message threads. In August 2026, Microsoft detected more than one million fraudulent emails over three days, many designed to trick accounts payable teams into authorizing fraudulent ACH payments.
• Business email compromise and payment redirection. Criminals may impersonate or compromise an executive, employee, or vendor to request payments or changes to payment instructions. The FBI reported that companies lost more than $3 billion in 2025 via email scams, a 10% increase from the previous year.
• Phishing that bypasses traditional defenses. Attackers use QR codes, malicious authorization prompts, and collaboration tools to get around security controls. Microsoft found that malicious Teams-based voice-phishing attempts increased about 80% during the first half of 2026.
• Ransomware fueled by stolen passwords and outdated systems. Many ransomware attacks happen when criminals get hold of stolen login information or take advantage of software that hasn’t been updated. Verizon found stolen credentials were involved in 38% of ransomware cases and unpatched vulnerabilities in 29%.

Protect your business against today’s scams

While cyber scams are becoming more sophisticated, OnPoint recommends seven safeguards that can help small businesses reduce their risk:

1. Verify before moving money. Never authorize a wire, ACH payment, purchase, or change in vendor banking information based solely on an email, text, phone call, or video meeting. Confirm the request using a known contact or consider requiring a second person to approve high-risk transactions.
2. Be cautious with login prompts and app permissions. Avoid clicking on links in unsolicited account notifications. Employees should also pause before letting a new app access email, files, or other company information.
3. Use stronger forms of multifactor authentication. Multifactor Authentication (MFA) remains an essential defense, but not all methods offer the same protection. The National Coordinator for Critical Infrastructure Security and Resilience (CISA) recommends businesses use phishing-resistant MFA wherever possible, particularly for email, remote-access, and administrative accounts.
4. Keep software and devices updated. Promptly install security updates, particularly for internet-facing devices such as routers, firewalls, and VPNs, to avoid leaving vulnerabilities that help attackers gain initial access.
5. Protect credentials and limit access. Use unique passwords or passphrases, a reputable password manager and MFA. Employees should have access only to the systems and information necessary for their roles.
6. Back up critical business data. Maintain secure backups, including a copy isolated from the company’s primary network, and periodically test that data can be restored.
7. Train employees regularly. Cyber threats evolve quickly, so cybersecurity training should be refreshed on a regular basis. It should cover suspicious emails, fraudulent texts and calls, QR codes, fake cloud-sharing invitations, executive impersonation and unusual requests for payments or account access.

Cybersecurity is not only an IT issue — it is a key part of protecting a company’s finances, customers and ability to operate. OnPoint will never initiate a request for sensitive information such as passwords, secure access codes, verification codes, PINs or card security codes by phone, email or text.

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About OnPoint Community Credit Union

OnPoint Community Credit Union is the largest credit union headquartered in Oregon, serving more than 671,000 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 33 Oregon counties (Baker, Benton, Clackamas, Clatsop, Columbia, Coos, Crook, Curry, Deschutes, Douglas, Gilliam, Hood River, Jackson, Jefferson, Josephine, Klamath, Lane, Lincoln, Linn, Malheur, Marion, Morrow, Multnomah, Polk, Sherman, Tillamook, Umatilla, Union, Wallowa, 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. More information is available at onpointcu.com.

Federally insured by NCUA. Equal Housing Opportunity.



OnPoint Community Credit Union Opens Second Lake Oswego Branch In Heart Of Downtown (Photo) - 10/09/26

New location expands access to personalized, in-person banking and builds on OnPoint’s longtime presence in Lake Oswego

PORTLAND, Ore. — OnPoint Community Credit Union will open its second Lake Oswego branch on October 16 at 101 A Avenue in the heart of downtown, expanding its longtime presence in the community with a new location serving residents, businesses and visitors in the city’s growing downtown core. OnPoint will donate $5,000 to Hunger Fighters Oregon and host a community grand opening on October 24 to celebrate the new branch.

The opening comes as Lake Oswego continues to invest in its future, with new housing, commercial development and other improvements planned throughout downtown and surrounding areas. While population growth is projected to remain steady, continued development is expected to bring new residents, businesses and visitors to the community in the years ahead.

“As Lake Oswego continues to invest in its downtown and plan for the future, we’re excited to deepen our own investment in the community,” said Rob Stuart, president and chief executive officer, OnPoint Community Credit Union. “Our Kruse Meadows branch has served Lake Oswego for years, and this new downtown location will make it even easier for members and local businesses to access personalized financial services close to where they live and work.”

The Lake Oswego 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 educational resources through its partnership with GreenPath Financial Wellness.

Community invited to grand opening celebration

The Lake Oswego community is invited to join OnPoint's grand opening on October 24 from 9 a.m. to 1 p.m. Guests can meet the branch team, explore the new space and learn more about OnPoint's products, services and community partnerships.

Local leadership and community connection

Colette Young will lead the new branch as branch manager. Young joined OnPoint in 2002 and has held a variety of roles across the credit union, most recently serving as branch manager at OnPoint’s Kruse Meadows branch.

“I’m excited to continue serving the Lake Oswego community and welcome members to our new downtown branch,” Young said. “Having another location gives us an opportunity to build even stronger relationships with the people and businesses who call Lake Oswego home and make it easier for members to get personalized support when and where they need it.”

Young lives in Southwest Portland with her husband, Ryan, and their two Rhodesian Ridgebacks. Outside the credit union, she serves on the board of trustees at Randal Children’s Hospital. A lifelong Oregonian, Young enjoys exploring the outdoors through hiking, fishing and camping.

OnPoint's $5,000 donation to Hunger Fighters Oregon reflects its ongoing commitment to strengthening the communities it serves. The food pantry provides food and essential household items at no cost to those in need, with no proof of income or residency barriers.

“Support from partners like OnPoint helps us continue our work to ensure that people in need in our community can access high-quality, basic and supplemental food and essential hygiene items,” said Simone Coker-Kamna, executive director, Hunger Fighters Oregon. “We’re grateful for OnPoint’s investment in our work and excited to welcome its new downtown branch to Lake Oswego.”

Expanding OnPoint’s presence in Lake Oswego

The new downtown location builds on OnPoint’s longstanding presence in Lake Oswego. The credit union will continue to serve members at its Kruse Meadows branch while providing another convenient option for personalized, in-person financial services closer to the city’s downtown businesses, residents and visitors.

Click here to view the full list of OnPoint's 61 branches, as well as 70,000 surcharge-free ATMs nationwide.

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About OnPoint Community Credit Union

OnPoint Community Credit Union is the largest credit union headquartered in Oregon, serving more than 671,000 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 33 Oregon counties (Baker, Benton, Clackamas, Clatsop, Columbia, Coos, Crook, Curry, Deschutes, Douglas, Gilliam, Hood River, Jackson, Jefferson, Josephine, Klamath, Lane, Lincoln, Linn, Malheur, Marion, Morrow, Multnomah, Polk, Sherman, Tillamook, Umatilla, Union, Wallowa, 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.

Federally insured by NCUA. Equal Housing Opportunity.