Savings accounts

From short-term to long-term, reaching your goals starts here.

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.

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

  • Accessibility

    Accessibility

  • Direct deposit

    Direct deposit

  • Perks or rewards

    Perks or rewards

  • Annual percentage yield (APY)

    Annual percentage yield (APY)

Regular savings

  • Best for

    Your ticket to membership with a competitive interest rate. Add more accounts to save for special goals.

  • 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)

    0.05%

Bundle rewards

  • 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 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)

    0.10% and up. 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.

High balances

  • 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

  • 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)

    0.10% 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 and rewards

  • Annual percentage yield (APY)

    0.05% 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

  • 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)

    0.10% and up. 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 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 rate info

Regular Savings and IRA Savings
Regular Savings and IRA Savings

Interest rate

Annual percentage yield1

Minimum balance

Minimum balance to earn interest

Rates Effective: 12-04-2021

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.

Regular savings*

Interest rate

0.05%

Annual percentage yield1

0.05%

Minimum balance

$5

Minimum balance to earn interest

$5

IRA savings

Interest rate

0.05%

Annual percentage yield1

0.05%

Minimum balance

$0.01

Minimum balance to earn interest

$0

OnPoint Savers Account
OnPoint Savers Account

Deposit amount

Interest rate

Annual percentage yield1

Minimum balance

Rates Effective: 12-04-2021

Parent or legal guardian must be on the membership and present to open the OnPoint savers account. Fiduciary memberships, including UTTMA and minor settlement accounts are not eligible for OnPoint savers. Limit one OnPoint savers account per member.

Account must be established for member age 17 or younger by parent or guardian with a minimum $25 deposit. When primary attains the age of 18, account will be converted to a regular saving account, earning that account’s published APY at the time.

View our Truth-In-Savings disclosure for additional information.

1 Annual percentage yield subject to change.

Deposit amount

$5.00 - $500.00

Interest rate

4.89%

Annual percentage yield1

5.00%

Minimum balance

$5.00

Deposit amount

$500.01 and higher

Interest rate

0.05%

Annual percentage yield1

0.05%

Minimum balance

Bundle Rewards Savings
Bundle Rewards Savings

Deposit amount

Interest rate

Annual percentage yield1

Rates Effective: 12-04-2021

Learn more about bundle rewards savings

Additional 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.

Deposit amount

$0 - $49,999.99

Interest rate

0.10%

Annual percentage yield1

0.10%

Deposit amount

$50,000 - $99,999.99

Interest rate

0.10%

Annual percentage yield1

0.10%

Deposit amount

$100,000 - $249,999.99

Interest rate

0.10%

Annual percentage yield1

0.10%

Deposit amount

$250,000 and higher

Interest rate

0.10%

Annual percentage yield1

0.10%

FlexSmart Money Market
FlexSmart Money Market

Deposit amount

Interest rate

Annual percentage yield1

Rates Effective: 12-04-2021

Learn more about FlexSmart money market

View our Truth-In-Savings disclosure for additional information.

1 Annual percentage yield subject to change.

Deposit amount

$0-4,999.99

Interest rate

0.05%

Annual percentage yield1

0.05%

Deposit amount

$5,000-$9,999.99

Interest rate

0.05%

Annual percentage yield1

0.05%

Deposit amount

$10,000-$49,999.99

Interest rate

0.05%

Annual percentage yield1

0.05%

Deposit amount

$50,000-$99,999.99

Interest rate

0.05%

Annual percentage yield1

0.05%

Deposit amount

$100,000+

Interest rate

0.05%

Annual percentage yield1

0.05%

Make the most of your OnPoint savings account.

What’s your bundle? Get more with Bundle Rewards.

With over 2,904 ways to save more with Bundle Rewards, you could be eligible to receive special benefits and discounts.

Qualifying is easy—learn how

Enjoy the flexibility of OnPoint Checking Account

OnPoint checking accounts offer more value with great features like no minimum balance requirements or monthly fees. It’s just another benefit of OnPoint membership.

See Account Options
Calculate how your savings can grow.
savings accounts-local Family parents and twins playing in their living room

Together, we'll help them save.

When you open your child’s membership with the OnPoint Savers Account and deposit at least $25, OnPoint will deposit an additional $55! Plus, earn a high interest rate on the first $500. (Click for details.)

Learn more about the OnPoint Savers account

Savings FAQs

Up-to-date OnPoint Savings Acccount rates can always be found on our Savings Accounts page.

You can also find Savings and other Personal Deposit Rates here.

To see Business Deposit Rates for business savings, click here!
You can access your funds anytime through transfers to your checking account in Digital Banking or with an ATM card.
OnPoint Savers is a high-yield, big impact savings account for members 17 and younger. When you open your child's membership with a minimum of $25, OnPoint will deposit an additional $55!

Continue to encourage healthy savings habits and watch their funds grow with a high-interest rate for the first $500.
Click learn more for important information, including terms and conditions.
Yes! We off the OnPoint Savers account for children. Visit your nearest branch to open a minor account today.

Minors must have a parent or legal guardian listed as joint on the account. Once the minor reaches the age of 18 they may open their own account. Account owners must meet membership qualifications.

What is OnPoint Savers?

OnPoint Savers is a high-yield, big impact savings account for members 17 and younger. When you open your child's membership with a minimum of $25, OnPoint will deposit an additional $55!

Continue to encourage healthy savings habits and watch their funds grow with a high-interest rate for the first $500.
Just $5 is needed to establish your OnPoint savings account.

Compare savings accounts to find the right one for you.

At OnPoint, our purpose is to build strong communities by supporting financial growth and well-being, one person at a time.

We want you to be a part! Opening an account only takes about 10 minutes.

Join in!

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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!

- Debbie B.

Open a savings account today.

Get started today.

Open an account

Stop by an OnPoint branch.

Find a nearby location or ATM

Disclosures

  1. Can write up to six checks per month.

Click here to read the Truth in Savings Disclosures.

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