Business Banking - Savings
Savings, Money Market
& Certificates
Plan for the longer term with KeyPoint’s variety of business savings options.
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Savings, Money Market & Certificates

Your business thrives because it adapts to a changing economy. Part of your readiness plan includes having money available to you when you need it, while earning compound interest when you don’t. KeyPoint Credit Union’s business savings accounts, money market accounts and certificates offer varying degrees of liquidity with various dividend-earning rates. 

Business owners in the Bay Area and Silicon Valley will benefit from business savings accounts and other savings options to establish emergency funds for the future. 

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    • Features
    • Rates

Which Business Savings and Business Certificate account is right for you?

  Business Savings Business Money Market Account Business Certificates of Deposit
Account Description For maximum liquidity and smaller balances. Liquidity and higher yields for higher balances.

A wide range of terms between 1-60 months.

Check Writing   check mark  

Interest Rate

View rates View rates View rates
Minimum Opening Deposit $100 $1,000 $1,000

Monthly Service Fee

Free with a minimum daily balance of $100 or a $5 monthly service fee Free with a minimum daily balance of $1,000 or a $10 monthly service fee $0
Account Benefits
  • Make up to six electronic withdrawals per month at no cost.
  • Unlimited withdrawals at any KeyPoint branch, ATM, or request a check request over the phone.
  • Tiered interest 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.
Open an Account Call us at (888) 255-3637 or visit any KeyPoint branch

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

Free Additional Features
24/7 Support Get helpful answers from real people by calling (888) 255-3637, or initiate an online Live Chat discussion with a live representative. We're here for you 24 hours a day, every day of the year.
Online Banking
  • Designate and authorize multiple account users
  • Set specific authorizations for each user
  • Pay bills
  • Check Images: View copies of cleared checks
  • e-Statements: Go Green! Get your monthly statement delivered electronically
CO-OP Free ATMs
Enjoy fee-free access to more than 30,000 CO-OP ATMs across the nation.
Shared Branch Network
Make deposits, withdrawals, and enjoy complete teller services at over 5,000 participating credit unions in the Shared Branch Network.
Rates are subject to change without notice. Your KeyPoint deposits 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: 10/24/16
Savings Account BalanceDividend RateAnnual Percentage Yield (APY)
Less than $49,999.990.050%0.050%
$50,000 or Greater0.100%0.100%
Savings accounts have variable rates. All dividends are compounded and paid monthly. 
Money Market Rates – Business
Rates Effective: 10/24/16
Money MarketDividend RateAnnual Percentage Yield (APY)
$1,000 to $9,999.990.050%0.050%
$10,000 to $24,999.990.100%0.100%
$25,000 to $49,999.990.250%0.250%
$50,000 or greater0.300%0.300%
Balances under $1,000 will earn the regular savings rate. Money Marketing accounts have variable rates. All dividends are compounded and paid monthly.
Certificate - Business
Rates Effective: 10/24/16
Minimum Term$1,000 Minimum Balance$10,000 Minimum Balance$25,000 Minimum Balance$50,000 Minimum Balance$100,000 Minimum Balance
1 month0.350% rate 0.351% APY0.350% rate 0.351% APY0.350% rate 0.351% APY0.350% rate 0.351% APY0.350% rate 0.351% APY
3 months0.450% rate 0.451% APY0.450% rate 0.451% APY0.450% rate 0.451% APY0.450% rate 0.451% APY0.450% rate 0.451% APY
6 months0.550% rate 0.551% APY0.550% rate 0.551% APY0.550% rate 0.551% APY0.550% rate 0.551% APY0.550% rate 0.551% APY
12 months0.750% rate 0.753% APY0.750% rate 0.753% APY0.750% rate 0.753% APY0.750% rate 0.753% APY0.750% rate 0.753% APY
24 months0.750% rate 0.753% APY0.750% rate 0.753% APY0.750% rate 0.753% APY0.750% rate 0.753% APY0.750% rate 0.753% APY
36 months0.950% rate 0.954% APY0.950% rate 0.954% APY0.950% rate 0.954% APY0.950% rate 0.954% APY0.950% rate 0.954% APY
48 months1.200% rate 1.207% APY1.200% rate 1.207% APY1.200% rate 1.207% APY1.200% rate 1.207% APY1.200% rate 1.207% APY
60 months1.890% rate 1.906% APY1.890% rate 1.906% APY1.890% rate 1.906% APY1.890% rate 1.906% APY1.890% rate 1.906% 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. 

ReSet Certificate Rates
Rates Effective: 3/20/17
Minimum Term$1,000 Minimum Balance$10,000 Minimum Balance$25,000 Minimum Balance$50,000 Minimum Balance$100,000 Minimum Balance
12 months0.700% rate 0.702% APY0.700% rate 0.702% APY0.700% rate 0.702% APY0.700% rate 0.702% APY0.700% rate 0.702% APY
24 months0.800% rate 0.803% APY0.800% rate 0.803% APY0.800% rate 0.803% APY0.800% rate 0.803% APY0.800% rate 0.803% 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%. 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.

After account opening, you have the option to ReSet your rate one time during the initial term of your certificate by choosing your reset rate from the effective Traditional Certificate rate of the same term. Your ReSet rate will be effective from the date you contact us and may take up to one business day to process.