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.
Member Savings
OnPoint Savers®
OnPoint Premium Savings
OnPoint Loyalty Savings
FlexSmartSM Money Market
Best for
Your ticket to membership with a premium interest rate. Add more accounts to save for special goals.
Earn more for the first $1,000 you save.
Children ages 17 and under looking to make the most of their savings. (Guardian must be on the membership and present to open account.)
Get the most out of your savings with our high-yield savings account, available when you qualify for OnPoint Rewards.
Earning something extra on every dollar you save. This special savings account is available if you qualify for OnPoint Rewards.
Combining a higher rate of interest with easy accessibility for emergency savings, short-term goals, or planning for future bill payments.
Minimum opening deposit
$5
$25
N/A
N/A
N/A
Accessibility
Available anytime through an OnPoint ATM card or transfers between accounts in Digital Banking.
Available anytime through an OnPoint ATM card or transfers between accounts in Digital Banking.
Available anytime through an OnPoint ATM card or transfers between accounts in Digital Banking.
Available anytime through an OnPoint ATM card or transfers between accounts in Digital Banking.
Available anytime through Visa debit card, optional checks1 or transfers to your checking account.
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.
Save more with our highest interest rate with OnPoint Rewards.
When you qualify for OnPoint Rewards, you earn higher deposit rates, loan discounts, and lower closing costs. Learn more about OnPoint Rewards.
Annual percentage yield (APY)
3.50% for amounts up to $1,000.
0.10% for amounts $1,000.01 and higher. See below for full rates info.
5.00% on balances $5 - $500. See below for full rates info.
3.50% for amounts up to $100,000. See below for full rates info.
0.35% and up. See below for full rates info.
0.15% and up. See below for full rates info.
Best for
Best for
Minimum opening deposit
Minimum opening deposit
Accessibility
Accessibility
Direct deposit
Direct deposit
Perks or rewards
Perks or rewards
Annual percentage yield (APY)
Annual percentage yield (APY)
Member Savings
Best for
Your ticket to membership with a premium interest rate. Add more accounts to save for special goals.
Earn more for the first $1,000 you save.
Minimum opening deposit
$5
Accessibility
Available anytime through an OnPoint ATM card or transfers between accounts in Digital Banking.
Direct deposit
Perks or rewards
Annual percentage yield (APY)
3.50% for amounts up to $1,000.
0.10% for amounts $1,000.01 and higher. See below for full rates info.
OnPoint Savers®
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 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.
OnPoint Premium Savings
Best for
Get the most out of your savings with our high-yield savings account, available when you qualify for OnPoint Rewards.
Minimum opening deposit
N/A
Accessibility
Available anytime through an OnPoint ATM card or transfers between accounts in Digital Banking.
Direct deposit
Perks or rewards
Save more with our highest interest rate with OnPoint Rewards.
Annual percentage yield (APY)
3.50% for amounts up to $100,000. See below for full rates info.
OnPoint Loyalty Savings
Best for
Earning something extra on every dollar you save. This special savings account is available if you qualify for OnPoint Rewards.
Minimum opening deposit
N/A
Accessibility
Available anytime through an OnPoint ATM card or transfers between accounts in Digital Banking.
Direct deposit
Perks or rewards
When you qualify for OnPoint Rewards, you earn higher deposit rates, loan discounts, and lower closing costs. Learn more about OnPoint 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
Accessibility
Available anytime through Visa debit card, optional checks1 or transfers to your checking account.
Direct deposit
Perks or rewards
Annual percentage yield (APY)
0.15% and up. See below for full rates info.
Additional savings account rate info
Type | Balance | Interest rate | Annual percentage yield1 | Minimum balance | Monthly service fee if below minimum balance |
|---|---|---|---|---|---|
Rates Effective: 05-30-2026 1 Annual percentage yield subject to change. | |||||
Type | Balance $0 - $1,000 | Interest rate 3.45% | Annual percentage yield1 3.50% | Minimum balance $5 | Monthly service fee if below minimum balance No monthly fee |
Type | Balance $1,000.01 and higher | Interest rate 0.10% | Annual percentage yield1 0.10% | Minimum balance | Monthly service fee if below minimum balance No monthly fee |
Type Secondary Savings | Balance $0.00 and higher | Interest rate 0.10% | Annual percentage yield1 0.10% | Minimum balance $0 | Monthly service fee if below minimum balance No monthly fee |
Type | Balance $0.00 and higher | Interest rate 0.15% | Annual percentage yield1 0.15% | Minimum balance $0 | Monthly service fee if below minimum balance No monthly fee |
Deposit amount | Interest rate | Annual percentage yield1 | Minimum balance |
|---|---|---|---|
Rates Effective: 05-30-2026 1 Annual percentage yield subject to change. Rates subject to change. Stated APY is for balances up to $500; balances of $500.01 and higher earn posted lower Member 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 Member 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 lower APY on the remaining balance above $500.01. | |||
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: 05-30-2026 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: 05-30-2026 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
APY = Annual Percentage Yield. APY is accurate as of [INSERT DATE]. Rates are variable and may change after the account is opened. Terms and conditions apply. Fees could reduce the earnings on the account. Membership is required and subject to approval. Limit one Member Savings account per person.
Compounding and Crediting. Interest will be compounded and credited as set forth on the Deposit Rate Sheet.
Fees and Balance Requirements. A minimum deposit is required to open this account. Fees could reduce earnings. Please review the OnPoint Deposit Rate Sheet, Fee Schedule and Membership & Account Agreement for details on minimum balance requirements and applicable fees.
Limit one OnPoint Savers account per person, may not be older than 17 years old. A parent or guardian is required. Minimum opening deposit is $25.00. One $55 OnPoint deposit per tax ID for new OnPoint Saver members only. Deposit 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.
Click here to read the Truth in Savings Disclosures.
