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Business Savings

Save for your future business needs.

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.

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Account Access

Enjoy total control and anytime access to your business’ savings with Digital Banking.

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Money Management

Track your funds and set financial goals with convenient tools to help your business save more where it counts.

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Transfer Funds

Easily transfer funds between your business accounts at OnPoint, accounts elsewhere or with a wire transfer.

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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

    x icon

  • Competitive Interest Rate

  • Interest Paid Monthly

  • Available Overdraft Protection1

  • Unlimited Withdrawals

Business Bundle 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 Business Bundle 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

    x icon
    ($10 waived if $1000 daily balance is met)

  • Perks and rewards

    x icon

  • 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

    x icon

  • Competitive Interest Rate

  • Interest Paid Monthly

  • Available Overdraft Protection1

    x icon

  • Unlimited Withdrawals

    x icon

Rates

Business Savings
Business Savings

Deposit Amount

Annual Percentage Yield (APY)1

Rates Effective: 04-23-2021

Learn more about Business Savings

1 Annual Percentage Yield subject to change.

Deposit Amount

$0 - $2,499.99

Annual Percentage Yield (APY)1

0.05%

Deposit Amount

$2,500 - $9,999.99

Annual Percentage Yield (APY)1

0.05%

Deposit Amount

$10,000 - $24,999.99

Annual Percentage Yield (APY)1

0.05%

Deposit Amount

$25,000 - $49,999.99

Annual Percentage Yield (APY)1

0.05%

Deposit Amount

$50,000 - $99,999.99

Annual Percentage Yield (APY)1

0.05%

Deposit Amount

$100,000+

Annual Percentage Yield (APY)1

0.05%

Business Bundle Rewards Savings
Business Bundle Rewards Savings

Deposit Amount

Interest Rate

Annual Percentage Yield (APY)1

Rates Effective: 04-23-2021

Learn more about Business Bundle Rewards

Additional products and services are required to qualify for the Business Bundle 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

0.15%

Annual Percentage Yield (APY)1

0.15%

Deposit Amount

$50,000 - $99,999.99

Interest Rate

0.15%

Annual Percentage Yield (APY)1

0.15%

Deposit Amount

$100,000 - $249,999.99

Interest Rate

0.20%

Annual Percentage Yield (APY)1

0.20%

Deposit Amount

$250,000 and higher

Interest Rate

0.20%

Annual Percentage Yield (APY)1

0.20%

Business Money Market
Business Money Market

Deposit Amount

Annual Percentage Yield (APY)1

Rates Effective: 04-23-2021

Learn more about Business Money Market

1 Annual Percentage Yield subject to change.

Deposit Amount

$0 - $4,999.99

Annual Percentage Yield (APY)1

0.05%

Deposit Amount

$5,000 - $9,999.99

Annual Percentage Yield (APY)1

0.05%

Deposit Amount

$10,000 - $24,999.99

Annual Percentage Yield (APY)1

0.05%

Deposit Amount

$25,000 - $49,999.99

Annual Percentage Yield (APY)1

0.05%

Deposit Amount

$50,000 - $99,999.99

Annual Percentage Yield (APY)1

0.05%

Deposit Amount

$100,000 - $249,999

Annual Percentage Yield (APY)1

0.05%

Deposit Amount

$250,000+

Annual Percentage Yield (APY)1

0.05%

Business Certificates of Deposit
Business Certificates of Deposit

CD Term

Amount

Interest Rate

Annual Percentage Yield1

Interest Rate with Bundle Rewards2

APY with Bundle Rewards2

Rates Effective: 04-23-2021

Learn more about Business Certificates of Deposit

1 Annual Percentage Yield subject to change.

2 Additional products and services are required to qualify for the Bundle 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

0.15%

Annual Percentage Yield1

0.15%

Interest Rate with Bundle Rewards2

0.40%

APY with Bundle Rewards2

0.40%

CD Term

6 months3

Amount

Interest Rate

Annual Percentage Yield1

Interest Rate with Bundle Rewards2

APY with Bundle Rewards2

CD Term

12 months3

Amount

$1,000+

Interest Rate

0.15%4

Annual Percentage Yield1

0.15%

Interest Rate with Bundle Rewards2

0.40%

APY with Bundle Rewards2

0.40%

CD Term

18 months3

Amount

$1,000+

Interest Rate

0.25%4

Annual Percentage Yield1

0.25%

Interest Rate with Bundle Rewards2

0.50%

APY with Bundle Rewards2

0.50%

CD Term

24 months3

Amount

$1,000+

Interest Rate

0.25%4

Annual Percentage Yield1

0.25%

Interest Rate with Bundle Rewards2

0.50%

APY with Bundle Rewards2

0.50%

CD Term

36 months

Amount

$1,000+

Interest Rate

0.30%

Annual Percentage Yield1

0.30%

Interest Rate with Bundle Rewards2

0.55%

APY with Bundle Rewards2

0.55%

CD Term

48 months

Amount

$1,000+

Interest Rate

0.30%

Annual Percentage Yield1

0.30%

Interest Rate with Bundle Rewards2

0.55%

APY with Bundle Rewards2

0.55%

CD Term

60 months

Amount

$1,000+

Interest Rate

0.40%

Annual Percentage Yield1

0.40%

Interest Rate with Bundle Rewards2

0.65%

APY with Bundle Rewards2

0.65%
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Save More with Business Bundle Rewards

Business Bundle 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 Digital Banking and two additional services to qualify.

Learn more and start bundling

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.

Learn More About Merchant Services
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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. Please choose a link below:
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.

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.

Learn more about our Group Banking benefits
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Open your business savings account today.

Stop by an OnPoint branch.

Find a nearby location or ATM

Not a member yet?

Get started today

Give us a call.

Disclosures

1 Subject to transaction limits and funds availability.

Note: Email should not be used to share important or sensitive information.

The security and privacy of your information is important to us. When communicating with us via email please do not send any information that is considered confidential or sensitive in nature. If you need to communicate any personal information (account numbers, social security number, etc.) please feel free to call the number listed in my profile or contact OnPoint Member Services at 503.228.7077 or 800.527.3932.

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