Savings & Certificates

Whatever your goals are, we can help you start saving for them with our federally-insured accounts. It's easy to keep your savings on-track with automatic monthly transfers, and manage your money 24/7 with our free Online & Mobile Banking*.

  • Smart Savings: No monthly fees when you maintain a minimum daily balance of $25.
  • High-Yield Savings: Earn more and pay no monthly fee, plus there’s no minimum daily balance required.
  • Money Market Savings: Our highest yielding savings has no fee with a minimum daily balance of $1,000.
  • Premier Money Market: Your money earns more with this high-rate account.
  • QuickStart Savings: Earn 3.25% annual percentage yield on your first $2,000 with this account.
  • IRA Certificate Accounts1: A fixed-rate IRA with terms ranging from 1 to 60 months, and a minimum opening deposit of just $1,000.
  • Coverdell Education Savings Account**: Tax-free, fixed-rate asset growth for education costs from kindergarten through college. Eligible individuals can contribute up to $2,000 per year per child up to age 18.
  Money Market Savings Account Premier Money Market Savings Account QuickStart Savings Account Smart Savings Account High Yield Savings Account Kids Savings Account
(under 18)
Coverdell Education 
Savings Account**
Certificate Account1 IRA Certificate Account1
  Open Open Open Open Open Open Open Open Open
ATM Access2
 

 

 

 

 
   

Dividends3

View rates View rates View rates View rates View rates View rates View rates View rates View rates
Minimum Opening Balance $1,000 $10,000
(must be new money)
None
(first $5K must be new money)
$25 $25,000 $25 $25 $1,000 $1,000
Minimum Average Daily Balance to waive the monthly fee

$1,000

$0 $0 $25 $0 $0 $0 $1,000 $1,000
Monthly service fee $10 $0 $0 $0 $0 $0 $0 $0 $0

Savings & Certificate Account Disclosures
1 A penalty may be imposed for withdrawals before the maturity of a certificate: Terms less than or equal to 12 months may have a penalty equal to 90 days of dividends on the amount withdrawn; Terms greater than 12 months may have a penalty equal to 180 days of dividends on the amount withdrawn.
2 Must be age 12 or older for an ATM card.
3 Rates are subject to change without notice. All dividends are compounded and paid monthly except Certificate Accounts which are compounded and paid monthly and/or at maturity. Share Accounts have a variable rate and Certificate Accounts have a fixed rate.

Your KeyPoint savings are federally insured to at least $250,000 (Individual Retirement Accounts up to an additional $250,000) through the National Credit Union Administration (NCUA).

Savings Rates
Rates Effective: 10/31/19
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. All dividends are compounded and paid monthly. 

Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. For more information, see the Truth in Savings Disclosure.

Rates accurate as of 10/31/2019 and subject to change. Fees may reduce earnings. 

QuickStart Savings
Rates Effective: 10/31/19
QuickStart Savings Balance Dividend Rate Annual Percentage Yield Range
Up to $2,000 3.20% 3.25%
$2,001 to $5,000 1.49% 3.25% - 2.20%
$5,001 to $10,000 0.75% 2.20% - 1.48%
$10,001 to $50,000 0.40% 1.48% - 0.61%
More than $50,000 0.35% 0.61% - 0.35%

No minimum balance required. First $5,000 deposited must be savings not currently at KeyPoint. To qualify for these rates, must have active checking account. Active Checking is defined as a checking account having at least three transactions (deposits, withdrawals, debit card transactions) per month. Posting of earnings do not apply. One account per member. To determine the blended APY for custom dollar amounts, please use the QuickStart Calculator.

Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. For more information, see the Truth in Savings Disclosure.

Rates accurate as of 10/31/2019 and subject to change. Fees may reduce earnings. 

High Yield Savings Account
Rates Effective: 10/31/19
High Yield Savings Balance Dividend Rate Annual Percentage Yield Range
Less than $25,000 0.20% 0.20%
$25,000 to $49,999.99 0.25% 0.25%
$50,000 to $99,999.99 0.30% 0.30%
$100,000 or greater 0.35% 0.35%

High Yield Savings Accounts have variable rates. All dividends are compounded and paid monthly.

Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. For more information, see the Truth in Savings Disclosure.

Rates accurate as of 10/31/2019 and subject to change. Fees may reduce earnings. 

Money Market Rates - Individual
Rates Effective: 10/31/19
Money Market Dividend Rate Annual Percentage Yield Range
$1,000 to $9,999.99 0.20% 0.20%
$10,000 to $24,999.99 0.25% 0.25%
$25,000 to $49,999.99 0.30% 0.30%
$50,000 or greater 0.35% 0.35%

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

Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. For more information, see the Truth in Savings Disclosure.

Rates accurate as of 10/31/2019 and subject to change. Fees may reduce earnings. 

Premier Money Market Rates - Individual
Rates Effective: 10/31/19
Premier Money Market Dividend Rate Annual Percentage Yield Range
$5,000 or greater 1.00% 1.00%

The minimum balance to open the Premier Money Market Account is $10,000. Funds to open the Premier Money Market Account must be new to KeyPoint (not transferred from another KeyPoint account). Balances under $5,000 will earn the regular savings rate. Premier Money Marketing accounts have variable rates. All dividends are compounded and paid monthly. 

Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. For more information, see the Truth in Savings Disclosure.

Rates accurate as of 10/31/2019 and subject to change. Fees may reduce earnings. 

Education Savings Account
Rates Effective: 10/31/19
Term Dividend Rate Annual Percentage Yield (APY)
6 months 0.55% 0.55%

Educational Savings Accounts have a fixed rate and minimum $25 balance. All dividends are compounded and paid monthly and/or at maturity. 

Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. For more information, see the Truth in Savings Disclosure.

Rates accurate as of 10/31/2019 and subject to change. Fees may reduce earnings. 

Certificate, and IRA Certificates (Traditional and Roth)
Rates Effective: 10/31/19
Minimum Term $1,000 Minimum Balance
1 month 0.25% rate 0.25% APY
3 months 0.40% rate 0.40% APY
6 months 0.65% rate 0.65% APY
12 months 1.15% rate 1.15% APY
24 months 1.45% rate 1.45% APY
36 months 1.55% rate 1.56% APY
48 months 1.70% rate 1.71% APY
60 months 2.47% rate 2.50% APY

0.10% bonus with direct deposit. Failure to maintain direct deposit during the term of the Certificate will reduce the rate by 0.10%. Certificate accounts have a fixed rate. All dividends are compounded and paid monthly and/or at maturity. A penalty may be imposed for withdrawals before the maturity of a certificate: Terms less than or equal to 12 months may have a penalty equal to 90 days of dividends on the amount withdrawn; Terms greater than 12 months may have a penalty equal to 180 days of dividends on the amount withdrawn. 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. 

Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. For more information, see the Truth in Savings Disclosure.

Rates accurate as of 10/31/2019 and subject to change. Fees may reduce earnings. 

 

*Mobile carrier rates may apply.

**A Coverdell Education Savings Account (ESA), formerly known as an Education IRA, provides tax-free, fixed-rate asset growth for education costs from kindergarten on up. Eligible individuals may contribute up to $2,000 per year on behalf of a child up to age 18. There are income guidelines to establish a Coverdell plan, and you should consult a tax advisor for your specific situation.

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