Certificates of deposit

Rates Effective: 11-05-2025

1. APY = Annual Percentage Yield. APY is accurate as of November 5, 2025. Membership is required and subject to approval; not everyone will qualify. Limit one Member Savings account per person.
2. All interest is compounded and credited monthly.
3. Qualification Requirements Per Monthly Cycle: To qualify for OnPoint Rewards, you must meet the following criteria: Ten (10) year relationship with OnPoint. Six (6) qualified transactions in the same checking account during the qualification period. These transactions can include deposits, withdrawals, automatic payments, checks, and debit card transactions. OnPoint generated transactions such as fees or interest credits do not count. Qualification is processed on the 15th and the last day of each month for the preceding 30 days of activity.
4. The APY is based on an assumption interest will remain on deposit until maturity. A withdrawal of interest will reduce earnings.
5. You may make additional deposits only for a term of 3, 6, 12, or 24 months. Subsequent deposits are excluded on promotional offerings unless otherwise stated.
6. We may impose an early withdrawal penalty if you withdraw any of the principal of your Certificate of Deposit account before the maturity date. For more information, please refer to the Membership & Account Agreement.