Business Savings / Money Markets & Certificates

	Business Savings	Business Money Market	Business Elite Money Market	Business Certificates
Account Description	For maximum liquidity and smaller balances	Liquidity and higher yields for higher balances	Get super high dividends on your cash	A wide range of terms between 1-60 months
Account Benefits	Make up to 10 electronic withdrawals per month at no cost	Tiered rates that pay more as your balance increases Check-writing privileges* Overdraft protection when linked to a Business Checking account ATM access with a Business ATM card	Higher tiered rates Check-writing privileges* Overdraft protection when linked to a Business Checking account ATM access with a Business ATM card	Savings for future business needs
Dividends	View rates	View rates	View rates	View rates
Minimum Opening Deposit	$25	$1,000	$25,000 (25% of opening deposit must be new money)	$500
Monthly Service Fee**	$5 (waived with a minimum average daily balance of $500)	$10 (waived with a minimum average daily balance of $2,500)	$0	$0

*Maximum of three checks written in a one-month period.
**$2 monthly paper statement fee

Savings accounts have variable rates. 

Rates as of 12/1/2024 and are subject to change. Fees may reduce earnings. 

0.10% bonus with direct deposit. The displayed Rate and APY do not reflect the 0.10% bonus. Failure to maintain direct deposit during the term of the Certificate will reduce the rate by 0.10%, if the bonus is applied. All Certificates are compounded and paid monthly and/or at maturity. Certificates have fixed rates. Early withdrawal penalties apply. Certificates must maintain the rate tier minimum balance through the end of the term. If the balance falls below the rate tier minimum balance, the Certificate must be closed. Applicable penalties will apply to the principal balance. The stated APY assumes principal and interest remain on deposit for the term of the certificate. Interest is compounded monthly. Members must notify the Credit Union during the certificate renewal period for the 0.10% direct deposit bonus to be applied on the renewed certificate.

Rates accurate as of 12/1/2024 and subject to change. Fees may reduce earnings. 

This promotional certificate is compounded and paid monthly and/or at maturity. Certificates have fixed rates. Early withdrawal penalties apply. Certificates must maintain the rate tier minimum balance through the end of the term. If the balance falls below the rate tier minimum balance, the Certificate must be closed. Applicable penalties will apply to the principal balance. The stated APY assumes principal and interest remain on deposit for the term of the certificate. Interest is compounded monthly. Must have a KeyPoint Checking Account to qualify. KeyPoint New money only—this certificate cannot be funded with money already in a KeyPoint account. **To join KeyPoint, you must be an eligible person in KeyPoint Credit Union’s field of membership.

Rates accurate as of 12/1/2024 and subject to change. Fees may reduce earnings. 

Balances under $1,000 will earn the regular savings rate. Money Marketing accounts have variable rates. All dividends are compounded and paid monthly. 

Rates accurate as of 12/1/2024 and subject to change. Fees may reduce earnings. 

The minimum balance to open the Elite Money Market Account is $25,000. Twenty five percent (25%) of funds needs to be new money (not transferred from another KeyPoint account). Money Market accounts have variable rates. All dividends are compounded and paid monthly. 

Rates accurate as of 12/1/2024 and subject to change. Fees may reduce earnings. 

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