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
|
Minimum Term
|
Annual Percentage Yield (APY)
|
|---|---|
| 3 months | 1.98% rate 2.00% APY |
| 6 months | 2.47% rate 2.50% APY |
| 12 months | 2.72% rate 2.75% APY |
| 24 months | 2.72% rate 2.75% APY |
| 36 months | 2.47% rate 2.50% APY |
| 48 months | 2.47% rate 2.50% APY |
| 60 months | 2.72% rate 2.75% 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. 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 8/12/2026 and subject to change. Fees may reduce earnings.
Business Promotional Certificates
|
Minimum Term
|
$500 Minimum Balance
Annual Percentage Yield (APY) |
|---|---|
| 5 months* | 3.69% rate 3.75% APY |
| 12 months | 3.93% rate 4.00% 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 will be closed. Applicable penalties will apply to the principal balance. *You may make penalty-free withdrawals 7 or more days after account opening. The stated APY assumes principal and interest remain on deposit for the term of the certificate. 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 8/12/2026 and subject to change. Fees may reduce earnings.