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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)

    0.10% for amounts up to $100,000. 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.

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)

Premium bundle rewards savings

  • Best for

    Get the most out of your savings with our high yields savings account.

  • 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

    Save more with our highest interest rate for members who bundle their services with OnPoint.

  • Annual percentage yield (APY)

    5.25% for amounts up to $100,000. See below for full rates info.

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)

    0.35% 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)

Premium bundle rewards savings

  • Best for

    Get the most out of your savings with our high yields savings account.

  • 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

    Save more with our highest interest rate for members who bundle their services with OnPoint.

  • Annual percentage yield (APY)

    5.25%  for amounts up to $100,000. See below for full rates info.

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)

    0.35% 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

Rates Effective: 03-19-2024

* Rate and annual percentage yield also apply to Teachers Deposit Fund (TDF).

1 Annual percentage yield subject to change.

Regular savings*

Interest rate

0.10%

Annual percentage yield1

0.10%

Minimum balance

$5

IRA savings

Interest rate

0.15%

Annual percentage yield1

0.15%

Minimum balance

$0

OnPoint Savers® Account
OnPoint Savers® Account

Deposit amount

Interest rate

Annual percentage yield1

Minimum balance

Rates Effective: 03-19-2024

Rates subject to change. Stated APY is for balances up to $500; balances of $500.01 and higher earn posted Regular 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 Regular 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 standard APY on the remaining balance above $500.

1 Annual percentage yield subject to change.

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

Premium Bundle Rewards Savings
Premium Bundle Rewards Savings

Deposit amount

Interest rate

Annual percentage yield1

Minimum balance

Rates Effective: 03-19-2024

Learn more about premium bundle rewards savings
  1. Premium Bundle Rewards Savings account rates are variable, may change after the account is opened, and are subject to change.

Premium Bundle Rewards Savings is a sweep account, which means that we may sweep balances up to the Maximum Program Deposit Amount ($250,000.00) to NCUA or FDIC insured deposit accounts held at participating Receiving Financial Institutions. The Maximum Program Deposit Amount and Receiving Financial Institutions may be changed at any time. One Premium Bundle Rewards Savings Account per member/TIN.

For additional important information and disclosures, please review our Premium Bundle Rewards Savings Terms and Conditions, E-Sign Consent, and Truth in Savings disclosure.

Additional products and services are required to qualify for the Premium Bundle Rewards Savings Account. Please click here for more information about Bundle Rewards.

Deposit amount

$0 - $100,000

Interest rate

5.13%

Annual percentage yield1

5.25%

Minimum balance

$0

Deposit amount

$100,000.01 and higher

Interest rate

3.69%

Annual percentage yield1

3.75%

Minimum balance

$0

Bundle Rewards Savings
Bundle Rewards Savings

Deposit amount

Interest rate

Annual percentage yield1

Minimum balance

Rates Effective: 03-19-2024

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.

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

FlexSmart Money Market
FlexSmart Money Market

Deposit amount

Interest rate

Annual percentage yield1

Minimum balance

Rates Effective: 03-19-2024

Learn more about FlexSmart money market

1 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

Make the most of your OnPoint savings account.

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

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.

Insured by NCUA.

The safety of your hard-earned money is our number one priority. That means that your funds are safe and insured up to at least $250,000 by the National Credit Union Administration through the National Credit Union Share Insurance Fund, a US government agency. You can find out more about share insurance at mycreditunion.gov/share-insurance.

Father helping daughter sliding down the slide in a playground
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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.
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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 offer 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 membership, which is also the minimum opening deposit for your primary savings account.

Compare additional savings accounts to find the right ones 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!

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.

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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