Business Savings / Money Markets & 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 dividends 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 Elite Money Market: With the Business Elite Money Market account, your business can get super high dividends on your cash. Minimum opening deposit is $25,000.
  • 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 Elite Money Market Account 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.
Dividends View rates View rates View rates View rates
Minimum Opening Deposit $25 $1,000 $25,000
(25% of the opening deposit must be new money)
$1,000
Monthly Service Fee Free with a minimum average daily balance of $500 or a $5 monthly service fee Free with a minimum average daily balance of $2,500 or a $10 monthly service fee $0 $0
Account Benefits

Make up to ten electronic withdrawals per month at no cost.

  • 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.
  • Higher tiered rates
  • Check-writing privileges*.
  • Overdraft protection when this account is linked to a business Checking account.
  • ATM access with Business ATM card.
Savings for future business needs.

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

Savings Rates - Business
Rates Effective: 2/12/2024
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 2/12/2024 and are subject to change. Fees may reduce earnings. 

Certificate - Business
Rates Effective: 2/12/2024
Minimum Term $1,000 Minimum Balance
1 month 0.75% rate 0.75% APY
3 months 2.00% rate 2.02% APY
6 months 2.75% rate 2.78% APY
12 months 3.00% rate 3.04% APY
24 months 3.00% rate 3.04% APY
36 months 2.75% rate 2.78% APY
48 months 2.75% rate 2.78% APY
60 months 3.00% rate 3.04% APY

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 2/12/2024 and subject to change. Fees may reduce earnings. 

Promotional Certificate
Rates Effective: 2/12/2024
Minimum Term $1,000 Minimum Balance
7 months 4.65% rate 4.75% APY
12 months 4.84% rate 4.95% APY

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 2/12/2024 and subject to change. Fees may reduce earnings. 

Money Market Rates – Business
Rates Effective: 2/12/2024
Money Market Account Balance 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. All dividends are compounded and paid monthly. 

Rates accurate as of 2/12/2024 and subject to change. Fees may reduce earnings. 

Business Elite Money Market
Rates Effective: 2/12/2024
Elite Money Market Account Balance Rate Annual Percentage Yield Range
$0 to $24,999.99 1.25% 1.26%
$25,000 to $49,999.99 2.00% 2.02%
$50,000 to $99,999.99 3.00% 3.04%
$100,000 to $249,999.99 4.00% 4.07%
$250,000 to $499,999.99 4.10% 4.18%
$500,000 or greater 4.20% 4.28%

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 2/12/2024 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

*Mobile carrier rates may apply