Credit union savings accounts
Saving for the future you want starts today.
Walking into your new home for the first time. Feeling the sand between your toes. Helping your child settle into their dorm freshman year. Whatever your life goals, we can help you achieve them. Find more peace of mind with an OnPoint Savings Account.
Digital banking
Stay connected to your accounts anywhere, anytime with convenient online and mobile access.
Transfer funds
Quickly transfer funds between your OnPoint accounts in just a few simple steps.
Set budgets
Easy-to-use online tools make setting budgets, and tracking progress, simpler.
Overdraft protection
Access your funds with peace of mind using overdraft protection from any OnPoint savings account.
Compare savings accounts.
Small balances
Best for
Best for
Minimum opening deposit
Minimum opening deposit
Interest rate
Interest rate
Accessibility
Accessibility
Direct deposit
Direct deposit
Perks or rewards
Perks or rewards
Annual percentage yield (APY)
Annual percentage yield (APY)
Regular savings account
Best for
Your ticket to membership with a competitive interest rate. Add more accounts to save for special goals.
Minimum opening deposit
$5
Interest rate
Accessibility
Available anytime through an OnPoint ATM card or transfers between accounts in Digital Banking.
Direct deposit
Perks or rewards
Annual percentage yield (APY)
0.10%
Bundle rewards savings account
Best for
Earning something extra on every dollar you save. This special savings account is available if you have multiple services.
Minimum opening deposit
N/A
Interest rate
Accessibility
Available anytime through an OnPoint ATM card or transfers between accounts in Digital Banking.
Direct deposit
Perks or rewards
If you have multiple OnPoint services, you earn higher deposit rates, loan discounts, and lower closing costs. Learn more about Bundle Rewards.
Annual percentage yield (APY)
0.35% and up. See below for full rates info.
OnPoint Savers® account1
Best for
Children ages 17 and under looking to make the most of their savings. (Guardian must be on the membership and present to open account.)
Minimum opening deposit
$25
Interest rate
Accessibility
Available anytime through an OnPoint ATM card or transfers between accounts in Digital Banking.
Direct deposit
Perks or rewards
Better interest rates for new and existing OnPoint youth members, and we deposit an additional $55 when you open a new membership for a child or teen.
Annual percentage yield (APY)
5.00% on balances $5 - $500. See below for full rates info.
High balances
Best for
Best for
Minimum opening deposit
Minimum opening deposit
Interest rates
Interest rates
Accessibility
Accessibility
Direct deposit
Direct deposit
Perks and rewards
Perks and rewards
Annual percentage yield (APY)
Annual percentage yield (APY)
Bundle rewards savings account
Best for
Earning something extra on every dollar you save. This special savings account is available if you have multiple services.
Minimum opening deposit
N/A
Interest rates
Accessibility
Available anytime through an OnPoint ATM card or transfers between accounts in Digital Banking.
Direct deposit
Perks and rewards
If you have multiple OnPoint services, you earn higher deposit rates, loan discounts, and lower closing costs. Learn more about Bundle Rewards.
Annual percentage yield (APY)
0.35% and up. See below for full rates info.
FlexSmartSM money market
Best for
Combining a higher rate of interest with easy accessibility for emergency savings, short-term goals or planning for future bill payments.
Minimum opening deposit
N/A
Interest rates
Accessibility
Available anytime through Visa debit card, optional checks2 or transfers to your checking account.
Direct deposit
Perks and rewards
Annual percentage yield (APY)
0.15% and up. See below for full rates info.
Perks & rewards
Best for
Best for
Minimum opening deposit
Minimum opening deposit
Accessibility
Accessibility
Direct deposit
Direct deposit
Perks and rewards
Perks and rewards
Annual percentage yield (APY)
Annual percentage yield (APY)
Bundle rewards savings account
Best for
Earning something extra on every dollar you save. This special savings account is available if you have multiple services.
Minimum opening deposit
N/A
Accessibility
Available anytime through an OnPoint ATM card or transfers between accounts in Digital Banking.
Direct deposit
Perks and rewards
If you have multiple OnPoint services, you earn higher deposit rates, loan discounts, and lower closing costs. Learn more about Bundle Rewards.
Annual percentage yield (APY)
0.35% and up. See below for full rates info.
OnPoint savers account1
Best for
Children ages 17 and under looking to make the most of their savings. (Guardian must be on the membership and present to open account.)
Minimum opening deposit
$25
Accessibility
Available anytime through an OnPoint ATM card or transfers between accounts in Digital Banking.
Direct deposit
Perks and rewards
Better interest rates for new and existing OnPoint youth members, and we deposit an additional $55 when you open a new membership for a child or teen.
Annual percentage yield (APY)
5.00% on balances $5 - $500. See below for full rates info.
Additional savings account rate info
Type | Interest rate | Annual percentage yield1 | Minimum balance |
|---|---|---|---|
Rates Effective: 06-26-2025 * Rate and annual percentage yield also apply to Teachers Deposit Fund (TDF). 1 Annual percentage yield subject to change. | |||
Type | Interest rate 0.10% | Annual percentage yield1 0.10% | Minimum balance $5 |
Type | Interest rate 0.15% | Annual percentage yield1 0.15% | Minimum balance $0 |
Deposit amount | Interest rate | Annual percentage yield1 | Minimum balance |
|---|---|---|---|
Rates Effective: 06-26-2025 Rates subject to change. Stated APY is for balances up to $500; balances of $500.01 and higher earn posted Regular Savings Account rate. Account must be established for members age 17 or younger by parent or guardian with a minimum $25 deposit. Parent or legal guardian must be on the membership and present to open the OnPoint Savers® Account. When primary member attains the age of 18, accounts will be converted to Regular Savings Account, earning that account’s published rate at that time. Fiduciary memberships, including UTTMA and Minor Settlement Accounts are not eligible for OnPoint Savers®. One OnPoint Savers® Account per member/TIN. One $55 bonus per tax ID for new members only. Bonus will be included on a 1099-INT for tax purposes. Cannot be combined with other offers for opening a new membership, such as new branch promotions or Refer a Friend. The full account balance APY is calculated by combining the 5.00% APY earnings on the first $500 with the standard APY on the remaining balance above $500. 1 Annual percentage yield subject to change. | |||
Deposit amount $5 - $500 | Interest rate 4.89% | Annual percentage yield1 5.00% | Minimum balance $5 |
Deposit amount $500.01 and higher | Interest rate 0.10% | Annual percentage yield1 0.10% | Minimum balance |
Deposit amount | Interest rate | Annual percentage yield1 | Minimum balance |
|---|---|---|---|
Rates Effective: 06-26-2025 Learn more about OnPoint Loyalty SavingsAdditional products and services are required to qualify for the OnPoint Loyalty Savings. Please see an OnPoint representative for more information or click here. 1 Annual percentage yield subject to change. | |||
Deposit amount $0 - $49,999.99 | Interest rate 0.35% | Annual percentage yield1 0.35% | Minimum balance $0 |
Deposit amount $50,000 - $99,999.99 | Interest rate 0.35% | Annual percentage yield1 0.35% | Minimum balance $0 |
Deposit amount $100,000 - $249,999.99 | Interest rate 0.35% | Annual percentage yield1 0.35% | Minimum balance $0 |
Deposit amount $250,000 and higher | Interest rate 0.35% | Annual percentage yield1 0.35% | Minimum balance $0 |
Deposit amount | Interest rate | Annual percentage yield1 | Minimum balance |
|---|---|---|---|
Rates Effective: 06-26-2025 Learn more about FlexSmart money market1 Annual percentage yield subject to change. | |||
Deposit amount $0-4,999.99 | Interest rate 0.15% | Annual percentage yield1 0.15% | Minimum balance $0 |
Deposit amount $5,000-$9,999.99 | Interest rate 0.15% | Annual percentage yield1 0.15% | Minimum balance $0 |
Deposit amount $10,000-$49,999.99 | Interest rate 0.15% | Annual percentage yield1 0.15% | Minimum balance $0 |
Deposit amount $50,000-$99,999.99 | Interest rate 0.15% | Annual percentage yield1 0.15% | Minimum balance $0 |
Deposit amount $100,000 | Interest rate 0.15% | Annual percentage yield1 0.15% | Minimum balance $0 |
Open a savings account today.
Disclosures
- OnPoint Savers® Account rate of 5.00% APY is accurate as of December 1, 2021 and subject to change. Stated APY is for balances up to $500; balances of $500.01 and higher earn posted Regular Savings Account rate. Account must be established for members age 17 or younger by parent or guardian with a minimum $25 deposit. Parent or legal guardian must be on the membership and present to open the OnPoint Savers® Account. When primary member attains the age of 18, accounts will be converted to Regular Savings Account, earning that account’s published rate at that time. Fiduciary memberships, including UTTMA and Minor Settlement Accounts are not eligible for OnPoint Savers®. One OnPoint Savers® Account per member/TIN. One $55 bonus per tax ID for new members only. Bonus will be included on a 1099-INT for tax purposes. Cannot be combined with other offers for opening a new membership, such as new branch promotions or Refer a Friend. The full account balance APY is calculated by combining the 5.00% APY earnings on the first $500 with the standard APY on the remaining balance above $500.
- Can write up to six checks per month.
Click here to read the Truth in Savings Disclosures.
