Business Savings and 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 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 Certificates
Account Description For maximum liquidity and smaller balances. A wide range of terms between 1-60 months.
Dividends View rates View rates
Minimum Opening Deposit $25 $1,000
Monthly Service Fee Free with a minimum average daily balance of $500 or a $5 monthly service fee $0
Account Benefits Make up to ten electronic withdrawals per month at no cost. Savings for future business needs.


Savings Rates - Business
Rates Effective: 8/5/2022
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 8/5/2022 and are subject to change. Fees may reduce earnings. 

Certificate - Business
Rates Effective: 11/14/2022
Minimum Term $1,000 Minimum Balance
1 month 0.25% rate 0.25% APY
3 months 0.30% rate 0.30% APY
6 months 1.50% rate 1.51% APY
12 months 2.50% rate 2.52% APY
24 months 2.50% rate 2.52% APY
36 months 2.25% rate 2.27% APY
48 months 2.25% rate 2.27% APY
60 months 2.50% rate 2.52% 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 11/14/2022; 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