Business savings
Starting out or building up, it’s our business to make yours easier.
Get more access and control of your business’ savings with the convenient features of your OnPoint Business Savings account. By providing tailored business banking to help you meet your business objectives, we make saving for the short- and long-term a lot simpler.
Account access
Enjoy total control and anytime access to your business’ savings with Digital Banking.
Money management
Track your funds and set financial goals with convenient tools to help your business save more where it counts.
Transfer funds
Easily transfer funds between your business accounts at OnPoint, accounts elsewhere or with a wire transfer.
Make payments
Utilize your business’ savings with easy one-time or recurring payments, generate automatic payments or make simple, secure payments with wire transfers.
Compare savings accounts
Best for:
Best for:
Minimum opening deposit
Minimum opening deposit
No monthly service fee
No monthly service fee
Perks and rewards
Perks and rewards
Competitive interest rate
Competitive interest rate
Interest paid monthly
Interest paid monthly
Available overdraft protection1
Available overdraft protection1
Unlimited withdrawals
Unlimited withdrawals
Business savings
Best for:
Starting your business banking relationship and planning for your future with a simple, secure account.
Minimum opening deposit
$5
No monthly service fee
Perks and rewards
Competitive interest rate
Interest paid monthly
Available overdraft protection1
Unlimited withdrawals
OnPoint Business Rewards savings
Best for:
Grow your business with extra earnings. This special business savings account is available if you have multiple business services.
Minimum opening deposit
N/A
No monthly service fee
Perks and rewards
With multiple OnPoint services, you can earn higher deposit rates, loan discounts, and additional perks. Learn more about OnPoint Business Rewards.
Competitive interest rate
Interest paid monthly
Available overdraft protection1
Unlimited withdrawals
Business money market
Best for:
Setting aside funds to help you reach specific business goals faster.
Minimum opening deposit
$1,000
No monthly service fee
($10 waived if $1000 daily balance is met)Perks and rewards
Competitive interest rate
Interest paid monthly
Available overdraft protection1
Unlimited withdrawals
Certificates of deposit
Best for:
Setting aside surplus funds with the security of a fixed rate and terms.
Minimum opening deposit
$1,000
No monthly service fee
Perks and rewards
Competitive interest rate
Interest paid monthly
Available overdraft protection1
Unlimited withdrawals
Rates
Deposit amount | Annual percentage yield (APY)1 |
|---|---|
Rates Effective: 07-05-2025 Learn more about business savings1 Annual percentage yield subject to change. | |
Deposit amount $0 - $2,499.99 | Annual percentage yield (APY)1 0.10% |
Deposit amount $2,500 - $9,999.99 | Annual percentage yield (APY)1 0.10% |
Deposit amount $10,000 - $24,999.99 | Annual percentage yield (APY)1 0.10% |
Deposit amount $25,000 - $49,999.99 | Annual percentage yield (APY)1 0.10% |
Deposit amount $50,000 - $99,999.99 | Annual percentage yield (APY)1 0.10% |
Deposit amount $100,000+ | Annual percentage yield (APY)1 0.10% |
Deposit amount | Interest rate | Annual percentage yield (APY)1 | Minimum balance |
|---|---|---|---|
Rates Effective: 07-05-2025 Learn more about OnPoint Business RewardsAdditional products and services are required to qualify for the OnPoint Business Rewards 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 yield (APY)1 0.35% | Minimum balance $0 |
Deposit amount $50,000 - $99,999.99 | Interest rate 0.35% | Annual percentage yield (APY)1 0.35% | Minimum balance $0 |
Deposit amount $100,000 - $249,999.99 | Interest rate 0.35% | Annual percentage yield (APY)1 0.35% | Minimum balance $0 |
Deposit amount $250,000 and higher | Interest rate 0.35% | Annual percentage yield (APY)1 0.35% | Minimum balance $0 |
Deposit amount | Annual percentage yield (APY)1 |
|---|---|
Rates Effective: 07-05-2025 Learn more about business money market1 Annual percentage yield subject to change. | |
Deposit amount $0 - $4,999.99 | Annual percentage yield (APY)1 0.15% |
Deposit amount $5,000 - $9,999.99 | Annual percentage yield (APY)1 0.15% |
Deposit amount $10,000 - $24,999.99 | Annual percentage yield (APY)1 0.15% |
Deposit amount $25,000 - $49,999.99 | Annual percentage yield (APY)1 0.15% |
Deposit amount $50,000 - $99,999.99 | Annual percentage yield (APY)1 0.15% |
Deposit amount $100,000 - $249,999 | Annual percentage yield (APY)1 0.15% |
Deposit amount $250,000+ | Annual percentage yield (APY)1 0.15% |
CD term | Amount | Interest rate | Annual percentage yield1 | Interest rate with OnPoint Rewards2 | APY with OnPoint Rewards2 |
|---|---|---|---|---|---|
Rates Effective: 07-05-2025 Learn more about business certificates of deposit1 Annual percentage yield subject to change. 2 Additional products and services are required to qualify for the OnPoint Rewards rate. Please see an OnPoint representative for more information or click here. 3 Subsequent deposits of $100 minimum each are allowed on certificates of deposit with terms of 3, 6, 12, 18, or 24 months. All deposits exclude promotional offerings unless otherwise stated. 4 Booster rate certificate of deposit. You may elect to adjust your rate, based on the rate currently offered for this account, once during the original term of the certificate of deposit. Booster rate feature excludes promotional rate offers. | |||||
CD term 3 months3 | Amount $1,000 | Interest rate 1.49% | Annual percentage yield1 1.50% | Interest rate with OnPoint Rewards2 1.74% | APY with OnPoint Rewards2 1.75% |
CD term 6 months3 | Amount $1,000 | Interest rate 1.74% | Annual percentage yield1 1.75% | Interest rate with OnPoint Rewards2 1.99% | APY with OnPoint Rewards2 2.01% |
CD term 12 months3 | Amount $1,000 | Interest rate 2.23% | Annual percentage yield1 2.25% | Interest rate with OnPoint Rewards2 2.48% | APY with OnPoint Rewards2 2.51% |
CD term 18 months3 | Amount $1,000 | Interest rate 2.28% | Annual percentage yield1 2.30% | Interest rate with OnPoint Rewards2 2.53% | APY with OnPoint Rewards2 2.56% |
CD term 24 months3 | Amount $1,000 | Interest rate 2.33% | Annual percentage yield1 2.36 % | Interest rate with OnPoint Rewards2 2.58% | APY with OnPoint Rewards2 2.61% |
CD term 36 months | Amount $1,000 | Interest rate 2.37% | Annual percentage yield1 2.40% | Interest rate with OnPoint Rewards2 2.62% | APY with OnPoint Rewards2 2.65% |
CD term 48 months | Amount $1,000 | Interest rate 2.42% | Annual percentage yield1 2.45% | Interest rate with OnPoint Rewards2 2.67% | APY with OnPoint Rewards2 2.70% |
CD term 60 months | Amount $1,000+ | Interest rate 2.47% | Annual percentage yield1 2.50% | Interest rate with OnPoint Rewards2 2.72% | APY with OnPoint Rewards2 2.75% |
Do even more for your business.
Save with OnPoint Business Rewards
OnPoint Business Rewards provides added discounts and bonuses designed to help cut costs and streamline your business needs. All you need is a Business Savings and Checking Account with six transactions per calendar month or 10 years of being a member at OnPoint.
Keep your business running smoothly
OnPoint Merchant Services can help you expand payment channels, manage secure transactions, and offer more ways for your customers to buy.
Share the benefits of OnPoint membership
Give your employees the opportunity to take advantage of special offers and benefits like loan savings, rate discounts and no minimum balance requirements with OnPoint Group Banking.
Business Savings FAQs
Yes, OnPoint currently offers IOLTAs for qualifying business members. For more information and to open an IOLTA, visit your nearest branch today.
To learn more about IOLTA, please visit iolta.org.
Required documents differ based on your business entity type and the state in which your business resides. For a complete list of required business documents to open a business membership, please review our business account checklists.
Yes, you can link your Business Checking account to your Business Credit Card as an overdraft protection source.
OnPoint Business Members who use analyzed products receive a Business Analysis statement as a supplement to their periodic statement. The Business Analysis statement provides details about services used and transactions that took place on analyzed product within the analysis period.
Open your business savings account today.
Stop by an OnPoint branch.
Find a nearby location or ATMNot a member yet?
Get started todayGive us a call.
Disclosures
1 Subject to transaction limits and funds availability.
