OnPoint Premium Savings
Save for the future you want, with the access you need.
Get the most out of your savings with an OnPoint Premium Savings account.
High annual percentage yield
Earn 4.75% APY (annual percentage yield) on the first $100,000 (subject to change), plus earn 3.25% APY on your remaining balance.
Simple signup
Your existing OnPoint Loyalty Savings account will automatically upgrade to the Premium account after you review and accept the account terms.
Easy access to funds
Like all OnPoint savings accounts, you can quickly transfer money between your OnPoint accounts in Digital Banking and withdraw funds.
Earn up to 4.75% APY* with OnPoint Premium Savings
Earn 4.75% annual percentage yield on your first $100,000, then 3.25% APY on your remaining balance. Click below for details and complete terms and conditions.
Qualifying for OnPoint Premium Savings is easy!
All you need is an OnPoint checking account with at least six transactions per calendar month or 10 years of membership1 with OnPoint.
What types of transactions qualify for OnPoint Premium Savings?
Qualifying transactions include:
- 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.
Speak with an OnPoint Representative
We'll help answer your questions before switching to the new account.
Complete rate information
Deposit amount | Interest rate | Annual percentage yield1 | Minimum balance |
|---|---|---|---|
Rates Effective: 10-09-2024 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. Six qualifying transactions in an OnPoint checking account are required to qualify for the OnPoint Premium Savings account. Please click here for more information about OnPoint Rewards.
| |||
Deposit amount $0 - $100,000 | Interest rate 4.65% | Annual percentage yield1 4.75% | Minimum balance $0 |
Deposit amount $100,000.01 and higher | Interest rate 3.20% | Annual percentage yield1 3.25% | Minimum balance $0 |
Receiving financial institutions | Allocation |
|---|---|
Receiving financial institutions Citizens Bank, NA | Allocation 25% |
Receiving financial institutions City National Bank | Allocation 25% |
Receiving financial institutions Morgan Stanley Bank | Allocation 25% |
Receiving financial institutions Morgan Stanley Private Bank | Allocation 25% |
Get started today
Disclosures
*Annual percentage yieldOnPoint 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.
Six qualifying transactions in an OnPoint checking account are required to qualify for the OnPoint Premium Savings account. Please click here for more information about OnPoint Rewards.
- 10-year membership eligibility is recognized on the first day of the month following the member’s 10-year anniversary
