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Reach your short-term savings goals with savings accounts, money market accounts and CDs.
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Savings & Certificates

We all have long term and short term savings goals. Whether you’re thinking about a big vacation, a wedding, a milestone celebration, or a just-in-case fund, KeyPoint has a solution for you.

  • Money Market Savings Account
  • Smart Savings Account
  • High Yield Savings Account
  • Kids Savings Account (Under 18 yrs. Old)
  • Coverdell Education Savings Account*
  • Certificate, and IRA Certificate Accounts1
 

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    • Features
    • Rates

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).

Which account is right for you?

  Money Market Savings Account Smart Savings Account High Yield Savings Account Kids Savings Account
(under 18)
Coverdell Education
Savings Account*
Certificate and IRA Certificate Accounts1
ATM Access2   checkmark checkmark   checkmark   checkmark  
Dividends3 View rates View rates  View rates View rates View rates View rates
Minimum Opening Balance $1,000 $25  $25,000 $25   $25 $1,000
Minimum Daily Balance to waive the monthly fee $1,000 $25  $0 $0   $0 $1,000
Monthly service fee $10 $5  $0 $0   $0 $0

*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.

Start Saving Now!

Open a Savings/Certificate Account online, call us at (888) 255-3637, or visit a branch. Visit our Retirement Central for more information or to open a Coverdell Education Savings Account.

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of a certificate: Terms less than or equal to 12 months may have a penalty equal to 90 days of dividends on the amount withdrawn; Terms greater than 12 months may have a penalty equal to 180 days of dividends on the amount withdrawn.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 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).

Features

Free Additional Features
Mobile Banking Access your accounts using our Mobile Apps for the iPhone, iPad, and Android devices, or mobile web banking for other smartphones.
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
  • Check balances, transfer funds, pay bills online
  • Aggregate all your accounts even from other financial institutions
  • Get account alerts in real time, any time
  • 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.
Savings Rates
Rates Effective: 10/18/17
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. 
High Yield Savings Account
Rates Effective: 10/18/17
High Yield Savings BalanceDividend RateAnnual Percentage Yield (APY)
$25,000 to $49,999.990.150%0.150%
$50,000 to $99,999.990.200%0.200%
$100,000 or greater0.250%0.250%
Balances under $25,000 will earn the regular savings rate. High Yield Savings Accounts have variable rates. All dividends are compounded and paid monthly. 
Money Market Rates - Individual
Rates Effective: 10/18/17
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 $49,999.990.150%0.150%
$50,000 or greater0.200%0.200%
Balances under $1,000 will earn the regular savings rate. Money Marketing accounts have variable rates. All dividends are compounded and paid monthly.
Education Savings Account
Rates Effective: 10/18/17
TermDividend RateAnnual Percentage Yield (APY)
6 months0.550%0.551%
Educational Savings Accounts have a fixed rate and minimum $25 balance. All dividends are compounded and paid monthly and/or at maturity. 
Certificate, and IRA Certificates (Traditional and Roth)
Rates Effective: 11/14/17
Minimum Term$1,000 Minimum Balance
1 month0.2500% rate 0.2500% APY
3 months0.4000% rate 0.4005% APY
6 months0.6000% rate 0.6015% APY
12 months1.0000% rate 1.0046% APY
24 months1.3000% rate 1.3081% APY
36 months1.4000% rate 1.4096% APY
48 months1.6000% rate 1.6126% APY
60 months1.9500% rate 1.9688% 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. 

Certificate, and IRA Certificates (Traditional and Roth) Special
Rates Effective: 11/14/17
Minimum Term$1,000 Minimum Balance
12 months1.500% rate 1.510% APY
24 months1.750% rate 1.760% APY

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. All Certificates are for new money only; they are not for existing Certificates of Deposit maturing or money transferred from an existing savings, checking or money market account. Offer expires 12/31/2017, unless extended.