Savings and Certificates
Be an Owner and Grow Your Savings
A Share Savings Account requires a minimum $5 balance; it gives you equal ownership in SharePoint Credit Union, a not-for-profit, financial cooperative. You benefit with highly competitive products and services, personal and unique solutions, and the tools and resources needed to help you reach your goals. The Savings account is a great way to help you start building wealth; the more you save, the more your Savings account rewards you.
Open an account
Secondary Savings Accounts
Easily reach your goals when you set up a secondary savings account to save for anything: a down payment on a home, a new car, the holidays, emergencies, wedding, a bike, a car, or the vacation you’ve been dreaming of. You can open up to seven secondary savings accounts and name each of them for your specific saving goal. Great for adults, kids and couples, secondary savings accounts are an easy way to budget and reach your goals!
Easily save for anything with an eSavings Account, featuring:
- Earn 3.00% APY up to $10,000 for 2 years^
- Automatically save with direct deposit with as little as $50/month^
- Save for a wedding, vacation, home, car, or emergencies
- Free ATM card with nationwide ATM network
- No penalties for withdrawals
| Type | Dividend Rate | APY* | Term |
|---|---|---|---|
| Primary Savings: $5.00 and Above | 0.09% | 0.10% | n/a |
| Secondary Savings | 0.09% | 0.10% | n/a |
| eSavings^ - Introductory Rate | 2.96% | 3.00% | 24 |
| eSavings^ - Ongoing Rate | 0.09% | 0.10% | n/a |
| IRA Savings | 0.39% | 0.40% | n/a |
| Holiday Savings** | 2.23% | 2.25% | 12 |
| All Star Savings¹ | 0.09% | 0.10% | n/a |
*APY = Annual Percentage Yield. Dividends for Savings and IRAs are calculated on the average daily balance and paid quarterly. Rates are subject to change without notice. Deposit accounts are insured up to $250,000 by the National Credit Union Association (NCUA) and an additional $250,000 through Excess Share Insurance (ESI). ^APY = Annual Percentage Yield. Dividends are calculated on the average daily balance and paid quarterly. Promotional rate of 3.00% APY will be offered for two years from the account opening date. After two years, the rate will convert to the going rate on the Secondary Savings, currently 0.10% APY. Balances above $10,000 will earn the going rate on the Secondary Savings, currently 0.10% APY. $50 minimum direct deposit per month. A $2 fee will be charged for each paper statement mailed to the member; this fee can be avoided by signing up for eStatements. Must enroll in online banking. If the monthly direct deposit is not met, a fee of $3.95 will be charged. Fees may reduce earnings. Deposit accounts are insured up to $250,000 by the National Credit Union Association (NCUA) and an additional $250,000 through Excess Share Insurance (ESI). One account per member. Some restrictions may apply. Offer effective 4/1/2020 and subject to change without notice. Cannot be combined with other offers. **APY = Annual Percentage Yield. Some restrictions may apply. One Holiday Savings account per member. Maximum balance is $1,500. Must have regular deposits of at least $20 per month. Dividends are calculated on the average daily balance and paid quarterly. Subject to change without notice. SharePoint is federally insured by the NCUA. ¹All Star Savings will convert to a Primary Savings upon members eighteenth birthday. | |||
Share Certificates
SharePoint gives you more ways to build your savings with Share Certificates. Certificates are safe, high yielding and federally insured; the amount you invest and the term you choose determines your rate of return. It is an easy, safe way to make your money work harder for you to build wealth.
Call: (952) 930-0700 or (800) 752-3494
Earn Higher Yields On Your Money
Start earning more with SharePoint’s Money Market Account; you'll receive monthly dividends on your hard-earned savings while allowing you easy access to your funds along with other great benefits.
| Name | Dividend Rate | APY* |
|---|---|---|
| Money Market - Average daily balance up to $4,999.99 | 0.74% | 0.75% |
| Money Market - Average daily balance of $5,000 - $24,999.99 | 0.74% | 0.75% |
| Money Market - Average daily balance of $25,000 - $49,999.99 | 0.79% | 0.80% |
| Money Market - Average daily balance of $50,000 - $99,999.99 | 0.79% | 0.80% |
| Money Market - Average daily balance of $100,000 - $249,999.99 | 0.89% | 0.90% |
| Money Market - Average daily balance $250,000 and over | 0.99% | 1.00% |
*APY = Annual Percentage Yield. Dividends for Money Market are calculated on the average daily balance and paid monthly. Rates are subject to change without notice. Deposit accounts are insured up to $250,000 by the National Credit Union Association (NCUA) and an additional $250,000 through Excess Share Insurance (ESI). | ||
Contact Us
Highlights
Five Money Market Rate Tiers
Dividends Paid Monthly
No Maintenance Fees
Unlimited In-Person Transactions
Convenience Checks
Online Banking Access
Teller Line Connection (TLC) Access
Monthly Statements
Federally Insured by the NCUA
Additional Insurance through Excess Share Insurance (ESI) Corporation
