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Business Rates

Deposits | Credit Cards | Loans


Business Interest Checking Promotion¹Rates Effective: September 1, 2009
	Deposit Amount	Annual Percentage Yield (APY
Business Interest Checking Promotion	$0 - $999.99	1.05%
	$1,000 - $4,999.99	1.05%
	$5,000+	1.05%
¹APR=Annual Percentage Yield. Intoductory rate is available on new Business Interest Checking accounts only. Accounts must be opened between 9/1/09 and 9/30/10. Rate will remain effective for six months from the start of the account after which the rate will revert to the respective, standard Business Interest Checking rate. The introductory rate is available only to qualified business members of OnPoint and not other financial institutions. OnPoint reserves the right to limit any deposits or accounts of any member. All other standard Business Interest Checking account features and requirements apply.

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Business Checking RatesRates Effective: June 1, 2009
	Deposit Amount	Annual Percentage Yield (APY)
Business Checking	-	-
Business Interest Checking	$0 - $999.99	0.10%
	$1000 - $4999.99	0.10%
	$5,000+	0.15%


Business Savings RatesRates Effective: September 1, 2010
	Deposit Amount	Annual Percentage Yield (APY)
Business Savings	$0 - $2,499.99	0.10%
	$2,500 - $9,999.99	0.10%
	$10,000 - $24,999.99	0.20%
	$25,000 - $49,999.99	0.30%
	$50,000 - $99,999.99	0.40%
	$100,000+	0.50%
Business Money Market	$0 - $4,999.99	0.00%
	$5,000 - $9,999.99	0.10%
	$10,000 - $24,999.99	0.35%
	$25,000 - $49,999.99	0.45%
	$50,000 - $99,999.99	0.55%
	$100,000 - $249,999	0.75%
	$250,000+	0.85%
Business Certificates of Deposit	See Business Certificates of Deposit Rate Sheet	See Business Certificates of Deposit Rate Sheet


Business Credit Card Rates and Fees08-25-2009
Platinum Visa with Rewards
Annual Percentage Rate (APR) for purchases	8-17.9%
Other APRs	Default APR: 17.9% See explanation below.¹
Other Card Terms
Variable rate information	The APR will be based on an index plus a margin of 4% to 8% with a minimum APR of 8%. The index value plus the margin will equal the APR. ²
Grace period for repayment of purchase balance	25 days
Method of computing the balance for purchases	Average daily balance method (including new purchases)
Annual fees	$25 (per card)
Late payment fee:	$30 for balances > $1,000 $20 for balances $100-$1,000 $10 for balances < $100
Over-the-credit-limit fee:	$30
Foreign transaction fee:	Up to 1% of the U.S. dollar amount of the foreign transaction
Minimum payment:	5% of outstanding balance or $100, whichever is greater
¹APR may increase if you are in default of any provision of the OnPoint Business Credit Card Agreement or if you have more than one late payment in any 12-month period. We reserve the right to change the account terms, including APRs, at anytime for any reason. The above rates and fees are current as of April 1, 2009. ²Subject to adjustment the 21st day of each month based on Prime Rate published in the Wall Street Journal the 10th day of the month (or on the next business day if the 10th falls on a weekend). Prime rate has been 3.25% since 1/12/09.


Business Auto LoansRates Effective: April 21, 2010
	Maximum Repayment Period	Annual Percentage Rate (fixed) with Automatic Payment¹	Annual Percentage Rate (fixed) with Regular Payment	Maximum Amount Financed
Cars, Trucks, Vans - New (2009 & 2010)²	36 months	4.99%	5.49%	100%
	48 months	4.99%	5.49%	100%
	60 months	4.99%	5.49%	100%
	72 months	4.99%	5.49%	100%
Cars, Trucks, Vans - Used (2001 - 2008)²	36 months	5.49%	5.99%	100%
	48 months	5.49%	5.99%	100%
	60 months	5.49%	5.99%	100%

¹Automatic payments are deducted from your OnPoint checking or savings account. Rate increase if Automatic Payment not used. ²Vehicles meeting EPA SmartWay Elite standards receive a 0.50% discount off APR. Discount does not apply to existing OnPoint auto loans or promotional pricing.

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Business Line of Credit¹Rates Effective: September 1, 2009
		Annual Percentage Rate with Automatic Payment	Annual Percentage Rate with Regular Payment	Limit
Business Line of Credit	Variable Rate	11.25%	12.25%	$10,000
¹With automatic payment, rate is variable at Prime + 8.0%, but not less than 10.0%. Without automatic payment, regular rate is Prime + 9.0%, but not less than 11.0%. Subject to adjustment the 21st day of each month based on Prime Rate published in the Wall Street Journal the 10th day of the month (or on the next business day if the 10th falls on a weekend). Prime Rate has been 3.25% since 1/12/09. Minimum payment is 2% of outstanding balance or $25.00, whichever is greater. Annual fee of $50.

Rates are variable and subject to change daily.
Fees and withdrawals could reduce the earnings on accounts.
A penalty may be imposed for early withdrawal.
For more information please refer to the Business Account Information Sheet.

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