Business Checking and Savings
Find the Right Business Account for Your Cash Management Needs
Whether you're opening a new account or optimizing your cash management strategy, compare options designed to support your business at every stage.
KeyPoint offers competitive business checking, business savings, and business money market rates designed to help you maximize value and plan confidently. Serving the San Francisco Bay Area, Santa Barbara County and beyond.
Business Checking Account
|
Dividend Checking
|
Rate
|
Annual Percentage Yield (APY)
|
|---|---|---|
| Any balance | 0.05% | 0.05% |
Checking accounts have variable rates. All dividends are compounded and paid monthly.
Rates accurate as of 8/12/2026 and subject to change. Fees may reduce earnings.
Business Savings Account
|
Membership Savings* / Savings Account Balance
|
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. *Membership Savings Account required to establish and maintain business membership with a $10 minimum daily balance (Purchase of One Share).
Rates accurate as of 8/12/2026 and subject to change. Fees may reduce earnings.
Business Money Market Account
|
Money Market Account Balance
|
Rate
|
Annual Percentage Yield (APY)
|
|---|---|---|
| $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% |
Money Market accounts have variable rates. All dividends are compounded and paid monthly. Money Market Account balances under $1,000 will earn the regular savings rate.
Rates accurate as of 8/12/2026 and subject to change. Fees may reduce earnings.
Business Elite Money Market Account
|
Elite Money Market Account Balance
|
Rate
|
Annual Percentage Yield (APY)
|
|---|---|---|
| Less than $25,000 | 1.00% | 1.00% |
| $25,000 to $49,999.99 | 1.98% | 2.00% |
| $50,000 to $99,999.99 | 2.72% | 2.75% |
| $100,000 to $249,999.99 | 3.20% | 3.25% |
| $250,000 to $499,999.99 | 3.45% | 3.50% |
| $500,000 or greater | 3.45% | 3.50% |
Money Market accounts have variable rates. All dividends are compounded and paid monthly. The minimum balance to open the Elite Money Market Account is $25,000. Twenty five percent (25%) of the funds to open the account must be new to KeyPoint (not transferred from another KeyPoint account).
Rates accurate as of 8/12/2026 and subject to change. Fees may reduce earnings.
Business Certificates
|
Standard Term
|
Dividend Rate
|
Annual Percentage Yield (APY)
|
|---|---|---|
| 3 Months | 1.98% | 2.00% |
| 6 Months | 2.47% | 2.50% |
| 12 Months | 2.72% | 2.75% |
| 24 Months | 2.72% | 2.75% |
| 36 Months | 2.47% | 2.50% |
| 48 Months | 2.47% | 2.50% |
| 60 Months | 2.72% | 2.75% |
Fixed rates. Dividends compound and are paid monthly and/or at maturity. APYs accurate as of 10/13/2026 and assume principal and dividends stay on deposit for the full term. $500 minimum balance to open, maintain, and earn dividends on standard and special term certificates. Early withdrawal penalties apply.
Business Promotional Certificates
|
Special Term
|
Dividend Rate
|
Annual Percentage Yield (APY)
|
|---|---|---|
| 5 Month* | 3.69% | 3.75% |
|
Special Term
|
Dividend Rate
|
Annual Percentage Yield (APY)
|
|---|---|---|
| 12 Month Tiered** | ||
| Days 1–90: first $2,500 | 6.785% | 7.00% |
| Days 1–90: balance over $2,500 | 3.928% | 4.00% |
| Day 91 to maturity: full balance | 3.928% | 4.00% |
NEW MONEY ONLY: Special Certificates cannot be funded with money already at KeyPoint.
*Special 5-Month Certificate: penalty-free withdrawals allowed 7 or more days after opening.
**Limited to one Special 12-Month Tiered Certificate per business member, determined by business member and tax ID number.
Fixed rates. Dividends compound and are paid monthly and/or at maturity. APYs accurate as of 10/13/2026 and assume principal and dividends stay on deposit for the full term. $500 minimum balance to open, maintain, and earn dividends on standard and special term certificates. Early withdrawal penalties apply.