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|
|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|
||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 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||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.
|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.