Business Savings / Money Market & Certificates

Make your cash work as hard as you do with our federally-insured business savings solutions. Choose the account that meets your savings objectives and time horizon:

  • Business Savings - Ideal for smaller balances and maximum liquidity
  • Business Money Market - Offers liquidity and higher yields for higher balances
  • Business Certificate - Earns more with terms from 1 month to 5 years
  Business Savings Business Money Market Account Business Certificates
Account Description For maximum liquidity and smaller balances. Liquidity and higher yields for higher balances. A wide range of terms between 1-60 months.
Dividends View rates View rates View rates
Minimum Opening Deposit $100 $1,000 $1,000
Check Writing    
Monthly Service Fee Free with a minimum average daily balance of $100 or a $5 monthly service fee Free with a minimum average daily balance of $2,500 or a $10 monthly service fee $0
Account Benefits
  • Make up to six electronic withdrawals per month at no cost.
  • Unlimited withdrawals at any branch, ATM, or request a check request over the phone.
  • Tiered rates that pay more as your balance increases.
  • Check-writing privileges*.
  • Overdraft protection when this account is linked to a business checking account.
  • ATM access with a Business ATM card.
Savings for future business needs.

* Maximum of three checks written in a one-month period.

Get personal assistance from our skilled team of representatives. Call (888) 255-3637 or initiate an online Live Chat discussion.

  • Designate and authorize multiple account users
  • Set specific authorizations for each user
  • Pay bills
  • See copies of your cleared checks
  • Get your monthly statement delivered electronically with e-Statements

Enjoy fee-free access to more than 30,000 CO-OP ATMs across the country.

Make deposits or withdrawals, and take advantage of the complete range of teller services at over 5,000 participating credit unions in the Shared Branch Network.

Savings Rates - Business
Rates Effective: 10/31/19
Savings Account Balance Dividend Rate Annual Percentage Yield (APY)
Less than $49,999.99 0.05% 0.05%
$50,000 or greater 0.10% 0.10%

Savings accounts have variable rates. 

Rates as of 10/31/19 and are subject to change. Fees may reduce earnings. 

Money Market Rates – Business
Rates Effective: 6/1/20
Money Market Dividend Rate Annual Percentage Yield Range
$1,000 to $9,999.99 0.10% 0.10%
$10,000 to $24,999.99 0.15% 0.15%
$25,000 to $49,999.99 0.20% 0.20%
$50,000 or greater 0.25% 0.25%

Balances under $1,000 will earn the regular savings rate. Money Marketing accounts have variable rates. 

Rates as of 6/1/20 and are subject to change. Fees may reduce earnings. 

Certificate - Business
Rates Effective: 6/1/20
Minimum Term $1,000 Minimum Balance
1 month 0.25% rate 0.25% APY
3 months 0.30% rate 0.30% APY
6 months 0.35% rate 0.35% APY
12 months 0.50% rate 0.50% APY
24 months 0.75% rate 0.75% APY
36 months 0.85% rate 0.85% APY
48 months 1.00% rate 1.00% APY
60 months 1.15% rate 1.15% APY

Certificate dividend rate increases by 0.10% if owner maintains direct deposit to a KeyPoint business checking or business savings account for the entire certificate term. Quoted rates do not reflect direct deposit rate bonus. Quoted rates are available as of 6/1/2020; subject to change without notice. Certificate accounts have a fixed rate for their entire term unless a direct deposit rate bonus applies, in which case failure to maintain direct deposit during the entire term will reduce the dividend rate by 0.10%. Early withdrawal penalties apply.