Green Accent Dot
man with guitar sharing swing with child

Savings Accounts

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.

icon_fingerOnPhone.svg Icon

Digital Banking

Stay connected to your accounts anywhere, anytime with convenient online and mobile access.

icon_people_with_arrow.svg Icon

Transfer Funds

Quickly transfer funds between your OnPoint accounts in just a few simple steps.

icon_bars.svg Icon

Set Budgets

Easy-to-use online tools make setting budgets, and tracking progress, simpler.

icon_moneySlot.svg Icon

Direct Deposit

Save more by automatically depositing a portion of your paycheck into your savings account.

close_quote_large I've been with these guys since 1980. close_quote_large

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.

Compare Savings Accounts

  • Best for:

    Best for:

  • Minimum Opening Deposit

    Minimum Opening Deposit

  • Accessibility1

    Accessibility1

  • Direct Deposit

    Direct Deposit

  • Overdraft Protection

    Overdraft Protection

  • Interest Rate

    Interest Rate

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

  • Accessibility1

    Available anytime through an OnPoint ATM card or transfers between accounts in Digital Banking.

  • Direct Deposit

  • Overdraft Protection

  • Interest Rate

    0.05%

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

  • Accessibility1

    Available anytime through an OnPoint ATM card or transfers between accounts in Digital Banking.

  • Direct Deposit

    x icon

  • Overdraft Protection

  • Interest Rate

    1.00% 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

  • Accessibility1

    Available anytime through Visa debit card, optional checks2 or transfers to your checking account.

  • Direct Deposit

  • Overdraft Protection

  • Interest Rate

    0.05% and up. 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: 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.

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

Bundle Rewards Savings
Bundle Rewards Savings

Deposit Amount

Interest Rate

Annual Percentage Yield1

Rates Effective: 05-27-2019

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

1.00%

Annual Percentage Yield1

1.00%

Deposit Amount

$50,000 - $99,999.99

Interest Rate

1.14%

Annual Percentage Yield1

1.15%

Deposit Amount

$100,000 - $249,999.99

Interest Rate

1.29%

Annual Percentage Yield1

1.30%

Deposit Amount

$250,000 and higher

Interest Rate

1.49%

Annual Percentage Yield1

1.50%

FlexSmart Money Market
FlexSmart Money Market

Deposit Amount

Interest Rate

Annual Percentage Yield1

Rates Effective: 05-27-2019

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

0.10%

Annual Percentage Yield1

0.10%

Deposit Amount

$50,000-$99,999.99

Interest Rate

0.15%

Annual Percentage Yield1

0.15%

Deposit Amount

$100,000+

Interest Rate

0.20%

Annual Percentage Yield1

0.20%


What will my savings be worth?

Answer this and other questions with our helpful savings calculators.

Savings FAQs



Open a savings account today.

Stop by an OnPoint branch.

Find your nearest location

Open an account online.

Get started today

Give 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.

You are leaving OnPoint Community Credit Union.

The website you are about to visit is the responsibility of the party providing the site. Any transactions you enter into through this third-party site are solely between you and that vendor, merchant or other party. OnPoint’s Privacy Policy does not apply to this third-party site, and for further information you should consult the privacy disclosures of this site.

Cancel Accept