Savings Accounts
Convenient tools make saving for your future a whole lot simpler.
Whether you’re saving for short- or long-term goals, an OnPoint savings account is a great place to start.
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.
Direct Deposit
Save more by automatically depositing a portion of your paycheck into your savings account.
I've been with these guys since 1980.
- Debbie B.I’ve been with these guys since 1980 and have been very happy. They’ve financed all of our trucks and cars, as well as a second mortgage on our house. I highly recommend OnPoint!
Compare Savings Accounts
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Best for:
Best for:
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Minimum Opening Deposit
Minimum Opening Deposit
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Accessibility1
Accessibility1
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Direct Deposit
Direct Deposit
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Overdraft Protection
Overdraft Protection
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Interest Rate
Interest Rate
Regular Savings
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Best for:
Your ticket to membership with a competitive interest rate. Add more accounts to save for special goals.
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Minimum Opening Deposit
$5
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Accessibility1
Available anytime through an OnPoint ATM card or transfers between accounts in Digital Banking.
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Direct Deposit
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Overdraft Protection
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Interest Rate
0.05%
Bundle Rewards Savings
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Best for:
Earning something extra on every dollar you save. This special savings account is available if you have multiple services.
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Minimum Opening Deposit
N/A
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Accessibility1
Available anytime through an OnPoint ATM card or transfers between accounts in Digital Banking.
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Direct Deposit
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Overdraft Protection
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Interest Rate
1.00% and up. See below for full rates info.
FlexSmartSM Money Market
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Best for:
Combining a higher rate of interest with easy accessibility for emergency savings, short-term goals or planning for future bill payments.
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Minimum Opening Deposit
N/A
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Accessibility1
Available anytime through Visa debit card, optional checks2 or transfers to your checking account.
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Direct Deposit
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Overdraft Protection
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Interest Rate
0.05% and up. See below for full rates info.
Additional Rate Info
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Interest Rate |
Annual Percentage Yield1 |
Minimum Balance |
Minimum Balance to Earn Interest |
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|---|---|---|---|---|
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Rates Effective: 05-27-2019 View our Truth-In-Savings disclosure for additional information. * Rate and Annual Percentage Yield also apply to Teachers Deposit Fund (TDF). 1 Annual Percentage Yield subject to change. |
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Interest Rate 0.05% |
Annual Percentage Yield1 0.05% |
Minimum Balance $5 |
Minimum Balance to Earn Interest $5 |
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Interest Rate 0.05% |
Annual Percentage Yield1 0.05% |
Minimum Balance $0.01 |
Minimum Balance to Earn Interest $0 |
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Deposit Amount |
Interest Rate |
Annual Percentage Yield1 |
|---|---|---|
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Rates Effective: 05-27-2019 Learn more about Bundle Rewards SavingsAdditional products and services are required to qualify for the Bundle Rewards Savings. Please see an OnPoint representative for more information or click here. View our Truth-In-Savings disclosure for additional information. 1 Annual Percentage Yield subject to change. |
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Deposit Amount $0 - $49,999.99 |
Interest Rate 1.00% |
Annual Percentage Yield1 1.00% |
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Deposit Amount $50,000 - $99,999.99 |
Interest Rate 1.14% |
Annual Percentage Yield1 1.15% |
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Deposit Amount $100,000 - $249,999.99 |
Interest Rate 1.29% |
Annual Percentage Yield1 1.30% |
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Deposit Amount $250,000 and higher |
Interest Rate 1.49% |
Annual Percentage Yield1 1.50% |
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Deposit Amount |
Interest Rate |
Annual Percentage Yield1 |
|---|---|---|
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Rates Effective: 05-27-2019 Learn more about FlexSmart Money MarketView our Truth-In-Savings disclosure for additional information. 1 Annual Percentage Yield subject to change. |
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Deposit Amount $0-4,999.99 |
Interest Rate 0.05% |
Annual Percentage Yield1 0.05% |
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Deposit Amount $5,000-$9,999.99 |
Interest Rate 0.05% |
Annual Percentage Yield1 0.05% |
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Deposit Amount $10,000-$49,999.99 |
Interest Rate 0.10% |
Annual Percentage Yield1 0.10% |
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Deposit Amount $50,000-$99,999.99 |
Interest Rate 0.15% |
Annual Percentage Yield1 0.15% |
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Deposit Amount $100,000+ |
Interest Rate 0.20% |
Annual Percentage Yield1 0.20% |
What will my savings be worth?
Savings FAQs
Open a savings account today.
Stop by an OnPoint branch.
Find your nearest locationOpen an account online.
Get started todayGive us a call.
Disclosures
1 Subject to Regulation D limitations. Ask us for details.
2 Can write up to six checks per month per Federal Regulations.
Click here to read the Truth in Savings Disclosures.