Onpoint Community

NCUA-insured · charter 62745

Savings, money market, checking and CDs, with every rate from Onpoint Community’s own pages and every rank against the accounts we track.

Checked Nov 1, 2026Updated Nov 1, 2026

Every account we track

Accounts and rates

A year on $10,000, after fees

OnPoint Savers AccountSavings account · $25 to open5.00%$0Not stated

OnPoint Premium SavingsSavings account3.50%$0Not stated

Onpoint Community Member SavingsSavings account · $5 to open3.50%$0None

OnPoint Loyalty SavingsSavings account · no minimum to open0.35%$0Not stated

Onpoint Community Money Market IRAMoney market account0.20%−$100Not stated

Onpoint Community IRA SavingsSavings account0.15%$15Not stated

Onpoint Community FlexSmart Money MarketMoney market account0.15%−$105Not stated

Onpoint Community Savings AccountsSavings accountNot stated—Not stated

Against 1043 checking accounts

OnPoint Access CheckingChecking account · $20 to openNot stated#447None

OnPoint Checking AccountChecking account · $50 to openNot stated—None

$1,000 to open

3 months1.50%—

6 months1.75%—

1 year2.25%—

18 months2.30%—

2 years2.36%—

3 years2.40%—

4 years2.45%—

5 years · Onpoint Community’s best2.50%—

A dash: a term we don’t rank. All Onpoint Community CDs

Against the market

Where each ranked account sits on our list for its kind. Further right is higher on the list.

Savings and money market accounts rank by a year on $10,000; checking by a year for an everyday customer; CDs by a year on $10,000 at each term.