OnPoint Savings

Savings Details
	Regular	Market Rate	FlexSmartSM Money Market Account	CDs	Annual Withdrawal CD
Minimum Opening Deposit	$5	$0.01	$10,000	$1,000	$5,000
Rate	Above market; variable	Tiered above-market rates that increase at $2,500,10,000, $25,000 50,000, and $100,000	Tiered above-market rates that increase at $5,000, 10,000, and $25,000	Higher fixed rates, tiered at $1,000 and $50,000	Tiered at $50,000 and $100,000
Terms	N/A	N/A	N/A	Three months to 60 months	60 months
Accessibility	Available anytime	Available anytime	Available anytime through Visa® debit card, up to six checks per month1	Available anytime subject to early withdrawal penalties	Up to 20% of original deposit can be withdrawn without penalty
			in-person transactions or transfers to your checking account2
1Can write only up to three checks per month per Federal Regulations. 2Subject to Regulation D limitations. Ask us for details.

Click here to read the Truth in Savings Disclosures.
Click here to read the Annual Withdrawal Certificate of Deposit Truth-in-Savings Disclosure.

All our savings accounts come with the following free services:

ATM Card
Lets you get cash from any OnPoint, Co-op or MoneyPass ATM.

Telephone Teller
Access account information by phone anywhere in the world, 24 hours a day.

Direct Deposit
Set up automatic transfers from your checking account, or direct deposit a portion of your paycheck to build your savings account.

Online Banking
Check account balances, transfer funds, pay bills and more online anytime, anywhere.

Teller access
We never charge a fee for seeing a teller.

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Regular Savings Rate1Rates Effective: January 1, 2009
Interest Rate	Annual Percentage Yield	Minimum Balance	Minimum Balance to Earn Interest
0.10%	0.10%	$5	$5
1Rate and Annual Percentage Yield also apply to Teachers Deposit Fund (TDF).

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Market Rate Savings (Tiered Rate)Rates Effective: September 1, 2009
Deposit Amount	Interest Rate	Annual Percentage Yield1	Minimum Balance	Minimum Balance to Earn Interest
$0-$2,499.99	0.10%	0.10%	$0.01	$0
$2,500-$9,999.99	0.10%	0.10%	$0.01	$0
$10,000-$24,999.99	0.20%	0.20%	$0.01	$0
$25,000-$49,999.99	0.30%	0.30%	$0.01	$0
$50,000-$99,999.99	0.40%	0.40%	$0.01	$0
$100,000 and higher	0.50%	0.50%	$0.01	$0
1Annual Percentage Yield subject to change.

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IRA SavingsRates Effective: June 1, 2010
Interest Rate	Annual Percentage Yield	Minimum Balance	Minimum Balance to Earn Interest
0.50%	0.50%	$0.01	$0

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FlexSmartSM Money Market Account (Tiered Rate)1Rates Effective: September 1, 2010
Deposit Amount	Interest Rate	Annual Percentage Yield2	Minimum Balance	Monthly Service Fee if Below Minimum Balance
$0-4,999.99	0.00%	0.00%	$1,000	$10
$5,000-$9,999.99	0.10%	0.10%	$1,000	$10
$10,000-$24,999.99	0.35%	0.35%	$1,000	$10
$25,000-$49,999.99	0.45%	0.45%	$1,000	$10
$50,000-$99,999.99	0.55%	0.55%	$1,000	$10
$100,000+	0.75%	0.75%	$1,000	$10
1$10,000 minimum deposit to open. 2Annual Percentage Yield subject to change.

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Standard Rate Certificates of DepositRates Effective: September 1, 2010
	$1,000 - $49,999.99		$50,000 and higher
Term	Interest Rate	Annual Percentage Yield1	Interest Rate	Annual Percentage Yield1
3 mos.2	0.40%	0.40%	0.40%	0.40%
6 mos.2	0.50%	0.50%	0.50%	0.50%
12 mos.2	0.80%	0.80%3	0.80%	0.80%3
18 mos.2	1.00%	1.00%3	1.00%	1.00%3
24 mos.2	1.20%	1.20%3	1.20%	1.20%3
36 mos.	1.69%	1.70%	1.69%	1.70%
48 mos.	1.99%	2.00%	1.99%	2.00%
1Annual Percentage Yield subject to change. 2Subsequent deposits of ($100 minimum each) are allowed on Certificates of Deposit with terms of 3, 6, 12, 18, or 24 months. For minors 17 years of age or younger opening a 3, 6, 12, 18, or 24 month Certificate of Deposit, the minimum balance requirement is $100.00 and subsequent deposits ($100 minimum each) are allowed. All deposits exclude promotional offerings unless otherwise stated. 3Booster Rate Certificate of Deposit. You may elect to adjust your rate, based on the rate currently offered for this account, once during the original term of the Certificate of Deposit. Booster rate feature excludes promotional rate offers.

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Standard Rate Annual Withdrawal Certificates of DepositRates Effective: September 1, 2010
	$5,000 - $49,999.99		$50,000 - $99,999.99		$100,000 and higher
Term	Interest Rate	Annual Percentage Yield1	Interest Rate	Annual Percentage Yield1	Interest Rate	Annual Percentage Yield1
60 mos.	2.38%	2.40%	2.38%	2.40%	2.38%	2.40%
1Annual Percentage Yield subject to change.

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Standard Rate Traditional & Roth IRA Certificates of DepositRates Effective: September 1, 2010
	$1,000 - $49,999.99		$50,000 and higher		$100,000 and higher
Term1	Interest Rate	Annual Percentage Yield2	Interest Rate	Annual Percentage Yield2	Interest Rate	Annual Percentage Yield2
3 mos.	0.40%	0.40%	0.40%	0.40%	-	-
6 mos.	0.50%	0.50%	0.50%	0.50%	-	-
12 mos.3	0.80%	0.80%	0.80%	0.80%	-	-
18 mos.3	1.00%	1.00%	1.00%	1.00%	-	-
24 mos.3	1.20%	1.20%	1.20%	1.20%	-	-
36 mos.	1.69%	1.70%	1.69%	1.70%	-	-
48 mos.	1.99%	2.00%	1.99%	2.00%	-	-
60 mos.	2.38%	2.40%	2.38%	2.40%	2.38%	2.40%
1Subsequent deposits can be made on Traditional and Roth IRA Certificates of Deposit. 2Annual Percentage Yield subject to change. 3Booster Rate Certificate of Deposit. You may elect to adjust your rate, based on the rate currently offered for this account, once during the original term of the Certificate of Deposit. Booster rate feature excludes promotional rate offers.