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.
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)
OnPoint Premium 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 combine their services with OnPoint.
Annual percentage yield (APY)
4.25% 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 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 OnPoint 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)
OnPoint Premium 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 with OnPoint Rewards.
Annual percentage yield (APY)
4.25% 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 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 OnPoint 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
Type | Interest rate | Annual percentage yield1 | Minimum balance |
|---|---|---|---|
Rates Effective: 07-14-2025 * Rate and annual percentage yield also apply to Teachers Deposit Fund (TDF). 1 Annual percentage yield subject to change. | |||
Type | Interest rate 0.10% | Annual percentage yield1 0.10% | Minimum balance $5 |
Type | Interest rate 0.15% | Annual percentage yield1 0.15% | Minimum balance $0 |
Deposit amount | Interest rate | Annual percentage yield1 | Minimum balance |
|---|---|---|---|
Rates Effective: 07-14-2025 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 |
Deposit amount | Interest rate | Annual percentage yield1 | Minimum balance |
|---|---|---|---|
Rates Effective: 07-14-2025 Learn more about OnPoint Premium Savings*Annual percentage yield OnPoint Premium 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 OnPoint Premium Savings Account per member/TIN. For additional important information and disclosures, please review our OnPoint Premium Savings Terms and Conditions, E-Sign Consent, and Truth in Savings disclosure.
| |||
Deposit amount $0 - $100,000 | Interest rate 4.17% | Annual percentage yield1 4.25% | Minimum balance $0 |
Deposit amount $100,000.01 and higher | Interest rate 2.72% | Annual percentage yield1 2.75% | Minimum balance $0 |
Deposit amount | Interest rate | Annual percentage yield1 | Minimum balance |
|---|---|---|---|
Rates Effective: 07-14-2025 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: 07-14-2025 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 |
Make the most of your OnPoint savings account.
What’s your reward? Get more with OnPoint Rewards.
Save more with OnPoint Rewards, you could be eligible to receive special benefits and discounts.
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.
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.
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.)
Savings FAQs
At this time, we do not sell, cash, or negotiate Savings Bonds for our members. For more information regarding Savings Bonds, please visit the U.S. Treasury's Savings Bonds web page.
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.
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.
The OnPoint Loyalty Savings Account allows you to earn something extra on every dollar you save. This special savings account requires no minimum opening deposit! You are eligible to open an OnPoint Loyalty Savings if you have an OnPoint account with at least six transactions per calendar month or 10 years of membership at OnPoint and have an active Premium Savings account. The following transactions qualify you for OnPoint Rewards:
- Deposits
- Withdrawals
- Automatic payments Checks, and debit card transactions all count toward the six qualifying transactions. However, OnPoint-generated transactions such as interest credits will not count.
Open a savings account today.
Get started today.
Open an accountStop by an OnPoint branch.
Find a nearby location or ATMDisclosures
- Can write up to six checks per month.
