Business Savings / Money Market & Certificates

Put your money to work generating extra revenue

Business leaders are always looking ahead. At KeyPoint, we help small shops, mid-sized firms and bigger companies prepare for their financial futures with a range of savings products. Each comes with free Mobile* and Online Banking services to help manage funds wisely.

  • Business Savings: Earn competitive interest on reserves that can be used to cover cash-flow shortfalls and unexpected expenses.
  • Business Money Market: Accounts offer an attractive combination of higher earnings and instant liquidity. Tiered-rate structure features higher yields for bigger balances.
  • Business Certificates: Secure investments feature higher yields and savings periods that can align with your long-term plans. Certificate terms range from one month to five years.

Other Features

  • Enjoy fee-free access to more than 30,000 CO-OP ATMs across the country.
  • Make deposits, withdrawals or fund transfers at over 5,000 participating credit unions in the Shared Branch Network.
  • Get personal assistance from KeyPoint's skilled team of representatives
  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.

Savings Rates - Business
Rates Effective: 11/4/2020
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 11/4/2020 and are subject to change. Fees may reduce earnings. 

Money Market Rates – Business
Rates Effective: 11/4/2020
Money Market Dividend Rate Annual Percentage Yield Range
$1,000 to $9,999.99 0.05% 0.05%
$10,000 to $24,999.99 0.10% 0.10%
$25,000 to $49,999.99 0.15% 0.15%
$50,000 or greater 0.20% 0.20%

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

Rates as of 11/4/2020 and are subject to change. Fees may reduce earnings. 

Certificate - Business
Rates Effective: 11/4/2020
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 0.60% rate 0.60% APY
36 months 0.70% rate 0.70% APY
48 months 0.80% rate 0.80% APY
60 months 1.00% rate 1.00% 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 11/4/2020; 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.

Businesses can access their accounts around-the-clock, checking balances in real-time, monitoring transactions, transferring funds in a timely manner and more.

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

*Mobile carrier rates may apply