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Home / Banks / OnPoint Community Credit Union

OnPoint Community Credit Union rates: up to 5.00% APY

credit union · NCUA CHARTER 62745 · www.onpointcu.com

Savings

ProductTerm / tierRateBasisRecordedHistoryChange
IRA Savings$0.00 and higher 0.15%APY2026-11-01 since 2026-11-01
Member Savings$0 - $1,000 3.50%APY2026-11-01 since 2026-11-01
Member Savings$1,000.01 and higher 0.10%APY2026-11-01 since 2026-11-01
OnPoint Loyalty Savings Account$0 - $49,999.99 0.35%APY2026-11-01 since 2026-11-01
OnPoint Loyalty Savings Account$50,000 - $99,999.99 0.35%APY2026-11-01 since 2026-11-01
OnPoint Loyalty Savings Account$100,000.00 - $249,999.99 0.35%APY2026-11-01 since 2026-11-01
OnPoint Loyalty Savings Account$250,000.00+ 0.35%APY2026-11-01 since 2026-11-01
OnPoint Premium Savings Account$0 - $100,000 3.50%APY2026-11-01 since 2026-11-01
OnPoint Premium Savings Account$100,000.01 and higher 2.00%APY2026-11-01 since 2026-11-01
OnPoint Savers Account$5.00 - $500 5.00%APY2026-11-01 since 2026-11-01
OnPoint Savers Account$500.01 and higher 0.10%APY2026-11-01 since 2026-11-01
Secondary Savings$0.00 and higher 0.10%APY2026-11-01 since 2026-11-01

CDs

ProductTerm / tierRateBasisRecordedHistoryChange
Certificate of Deposit3 months · from $1,000 · fixed 1.50%APY2026-11-01 since 2026-11-01
Certificate of Deposit3 months · with OnPoint Rewards · from $1,000 · bonus 1.75%APY2026-11-01 since 2026-11-01
IRA Certificate of Deposit3 months · from $1,000 · fixed 1.55%APY2026-11-01 since 2026-11-01
IRA Certificate of Deposit3 months · with OnPoint Rewards · from $1,000 · bonus 1.80%APY2026-11-01 since 2026-11-01
Certificate of Deposit6 months · from $1,000 · fixed 1.75%APY2026-11-01 since 2026-11-01
Certificate of Deposit6 months · with OnPoint Rewards · from $1,000 · bonus 2.01%APY2026-11-01 since 2026-11-01
IRA Certificate of Deposit6 months · from $1,000 · fixed 1.80%APY2026-11-01 since 2026-11-01
IRA Certificate of Deposit6 months · with OnPoint Rewards · from $1,000 · bonus 2.06%APY2026-11-01 since 2026-11-01
Certificate of Deposit12 months · from $1,000 · fixed 2.25%APY2026-11-01 since 2026-11-01
Certificate of Deposit12 months · with OnPoint Rewards · from $1,000 · bonus 2.51%APY2026-11-01 since 2026-11-01
IRA Certificate of Deposit12 months · from $1,000 · fixed 2.30%APY2026-11-01 since 2026-11-01
IRA Certificate of Deposit12 months · with OnPoint Rewards · from $1,000 · bonus 2.56%APY2026-11-01 since 2026-11-01
Certificate of Deposit18 months · from $1,000 · fixed 2.30%APY2026-11-01 since 2026-11-01
Certificate of Deposit18 months · with OnPoint Rewards · from $1,000 · bonus 2.56%APY2026-11-01 since 2026-11-01
IRA Certificate of Deposit18 months · from $1,000 · fixed 2.36%APY2026-11-01 since 2026-11-01
IRA Certificate of Deposit18 months · with OnPoint Rewards · from $1,000 · bonus 2.61%APY2026-11-01 since 2026-11-01
Certificate of Deposit24 months · from $1,000 · fixed 2.36%APY2026-11-01 since 2026-11-01
Certificate of Deposit24 months · with OnPoint Rewards · from $1,000 · bonus 2.61%APY2026-11-01 since 2026-11-01
IRA Certificate of Deposit24 months · from $1,000 · fixed 2.41%APY2026-11-01 since 2026-11-01
IRA Certificate of Deposit24 months · with OnPoint Rewards · from $1,000 · bonus 2.66%APY2026-11-01 since 2026-11-01
Certificate of Deposit36 months · from $1,000 · fixed 2.40%APY2026-11-01 since 2026-11-01
Certificate of Deposit36 months · with OnPoint Rewards · from $1,000 · bonus 2.65%APY2026-11-01 since 2026-11-01
IRA Certificate of Deposit36 months · from $1,000 · fixed 2.45%APY2026-11-01 since 2026-11-01
IRA Certificate of Deposit36 months · with OnPoint Rewards · from $1,000 · bonus 2.70%APY2026-11-01 since 2026-11-01
Certificate of Deposit48 months · from $1,000 · fixed 2.45%APY2026-11-01 since 2026-11-01
Certificate of Deposit48 months · with OnPoint Rewards · from $1,000 · bonus 2.70%APY2026-11-01 since 2026-11-01
IRA Certificate of Deposit48 months · from $1,000 · fixed 2.50%APY2026-11-01 since 2026-11-01
IRA Certificate of Deposit48 months · with OnPoint Rewards · from $1,000 · bonus 2.75%APY2026-11-01 since 2026-11-01
Certificate of Deposit60 months · from $1,000 · fixed 2.50%APY2026-11-01 since 2026-11-01
Certificate of Deposit60 months · with OnPoint Rewards · from $1,000 · bonus 2.75%APY2026-11-01 since 2026-11-01
IRA Certificate of Deposit60 months · from $1,000 · fixed 2.55%APY2026-11-01 since 2026-11-01
IRA Certificate of Deposit60 months · with OnPoint Rewards · from $1,000 · bonus 2.81%APY2026-11-01 since 2026-11-01

Money market

ProductTerm / tierRateBasisRecordedHistoryChange
FlexSmart Money Market Account$0.00 and higher 0.15%APY2026-11-01 since 2026-11-01
Money Market IRA$0.00 and higher 0.20%APY2026-11-01 since 2026-11-01

Checking

ProductTerm / tierRateBasisRecordedHistoryChange
HSA Checking$0 - $24,999.99 0.05%APY2026-11-01 since 2026-11-01
HSA Checking$25,000 and higher 0.05%APY2026-11-01 since 2026-11-01

Sources and evidence

PageLast capturedLast resultDigest
www.onpointcu.com/member-rate-sheets/certificate-of-deposit-rate-sheet2026-11-01 12:01 UTC okca51f25757cf
www.onpointcu.com/member-rate-sheets/deposit-rate-sheet/2026-11-01 12:01 UTC okfaaac64af155