Estate planning at OnPoint Community CU
How to protect 14 OnPoint Community CU accounts — manage beneficiaries in-branch, fund a trust in-branch, and file death claims
Phone1-503-228-7077
Toll-Free1-800-527-3932
Mailing Address
OnPoint Community Credit Union, P.O. Box 3750, Portland, OR 97208
WebsiteLearn more→
Phone1-503-228-7077
Toll-Free1-800-527-3932
Mailing Address
OnPoint Community Credit Union, P.O. Box 3750, Portland, OR 97208
WebsiteLearn more→
Member Services (Death Claims)
Phone1-503-228-7077
Toll-Free1-800-527-3932
Mailing Address
OnPoint Community Credit Union, P.O. Box 3750, Portland, OR 97208
WebsiteNotify online→
Verified Apr 2026
How your OnPoint Community CU accounts transfer at death depends on how each one is set up. As a membership-based credit union, OnPoint Community CU serves 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). Membership requires living or working in an eligible county, or being a family member of an eligible person. With 14 account types, the transfer rules vary—getting the right designations in place now prevents delays and court involvement later.
Beneficiary changes at OnPoint Community CU can be made in branch and by mail. Accounts can also be retitled into a trust to keep them out of probate entirely.
There are two sides to estate planning at OnPoint Community CU: setting things up while you're alive, and the process survivors follow after a death.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 14 account types at OnPoint Community CU.
View details →When someone dies
Death claim process
3-step process, 6 required documents, and contact information for survivors.
View details →Because OnPoint Community CU serves a limited number of states, procedures for trust funding and beneficiary changes may differ depending on your location. Verify availability before starting.
Frequently asked questions
No. The POD designation does not apply to Individual Retirement Accounts (IRA) or Health Savings Accounts (HSA). These accounts are governed by a separate beneficiary designation process under the IRA or HSA agreement. Contact OnPoint to ensure your IRA beneficiary designations are current.
Membership is open to anyone who lives or works in one of the 28 eligible Oregon counties or four eligible Washington counties (Clark, Cowlitz, Lewis, and Skamania). Family members of eligible individuals can also join. You must be a legal U.S. resident and at least 18 years old to open an individual account, though youth memberships are available through OnPoint branches.
OnPoint Checking requires a $50 minimum to open and includes check writing, external transfers, and full banking features. Access Checking requires only $20 to open, charges no overdraft fees (transactions are declined when funds are insufficient), and is Bank On certified for members new to banking or with prior account challenges. Access Checking accounts must remain open for 12 months before converting to another checking product. Both accounts have no monthly service fees.
Financial planning and investment services are available through Raymond James Financial Services, Inc., a separate entity from OnPoint Community Credit Union. Services include retirement planning, education funding, estate planning guidance, and investment management. Schedule an appointment through onpointcu.com or contact an OnPoint branch.
Yes. OnPoint deposit accounts are insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per insured credit union. IRA accounts receive separate $250,000 coverage. Investment and insurance products offered through Raymond James are not NCUA insured and involve investment risk.
Sources
Data sourced from OnPoint Community CU primary sources (15 pages reviewed). How we research.
Phone1-503-228-7077
Toll-Free1-800-527-3932
Mailing Address
OnPoint Community Credit Union, P.O. Box 3750, Portland, OR 97208
WebsiteLearn more→
Phone1-503-228-7077
Toll-Free1-800-527-3932
Mailing Address
OnPoint Community Credit Union, P.O. Box 3750, Portland, OR 97208
WebsiteLearn more→
Member Services (Death Claims)
Phone1-503-228-7077
Toll-Free1-800-527-3932
Mailing Address
OnPoint Community Credit Union, P.O. Box 3750, Portland, OR 97208
WebsiteNotify online→
Verified Apr 2026
Estate planning articles
Learn how to protect your OnPoint Community CU accounts and other assets with trusts, beneficiary designations, and estate planning documents.
