Average User Rating:|
2805 Bowers Avenue Santa Clara, CA 95051 (888) 844-3279 www.keypointcu.com  |
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Keypoint CU (CA) is headquartered in Santa Clara and is the 44th largest credit union in the state of California. It is also the 269th largest credit union in the nation. It was established in 1979 and as of December of 2012, it had grown to 155 employees and 39,803 members. Keypoint CU (CA)'s savings rates are 4X the national average, and it boasts a 5-star health rating.
See Rates for: Checking | Savings | Money Market | CD | IRA
Keypoint CU (CA) Checking Account Rates
Keypoint CU (CA) Savings Account Rates
Keypoint CU (CA) Money Market Rates
Keypoint CU (CA) CD Rates
| Apy | Min | Max | Product | |
| 1.65% | $1k | - | 60-71 Month Share Certificate | |
| 1.65% | $1k | - | Business 60-71 Month Share Certificate | |
| 1.65% | $1k | - | 72-84 Month Share Certificate | |
| 1.65% | $1k | - | Business 72-84 Month Share Certificate | |
| 0.95% | $1k | - | 48-59 Month Share Certificate | |
| 0.95% | $1k | - | Business 48-59 Month Share Certificate | |
| 0.70% | $1k | - | 36-47 Month Share Certificate | |
| 0.70% | $1k | - | Business 36-47 Month Share Certificate | |
| 0.40% | $1k | - | 24-35 Month Share Certificate | |
| 0.40% | $1k | - | Business 24-35 Month Share Certificate | |
| 0.35% | $1k | - | 12-17 Month Share Certificate | |
| 0.35% | $1k | - | 18-23 Month Share Certificate | |
| 0.35% | $1k | - | Business 12-17 Month Share Certificate | |
| 0.35% | $1k | - | Business 18-23 Month Share Certificate | |
| 0.30% | $1k | - | 6 - 8 Month Share Certificate | |
| 0.30% | $1k | - | 9-11 Month Share Certificate | |
| 0.30% | $1k | - | Business 6 - 8 Month Share Certificate | |
| 0.30% | $1k | - | Business 9-11 Month Share Certificate | |
| 0.20% | $1k | - | 3 - 5 Month Share Certificate | |
| 0.20% | $1k | - | Business 3 - 5 Month Share Certificate | |
| 0.10% | $1k | - | 1 - 2 Month Share Certificate | |
| 0.10% | $1k | - | Business 1 - 2 Month Share Certificate |
Keypoint CU (CA) IRA Rates
| Apy | Min | Max | Product | |
| 1.65% | $1k | - | 60-71 Month IRA Certificate | |
| 1.65% | $1k | - | 60-71 Month Roth IRA Certificate | |
| 1.65% | $1k | - | 72-84 Month IRA Certificate | |
| 1.65% | $1k | - | 72-84 Month Roth IRA Certificate | |
| 0.95% | $1k | - | 48-59 Month IRA Certificate | |
| 0.95% | $1k | - | 48-59 Month Roth IRA Certificate | |
| 0.70% | $1k | - | 36-47 Month IRA Certificate | |
| 0.70% | $1k | - | 36-47 Month Roth IRA Certificate | |
| 0.40% | $1k | - | 24-35 Month IRA Certificate | |
| 0.40% | $1k | - | 24-35 Month Roth IRA Certificate | |
| 0.35% | $25 | - | 12 Month Educational Savings Account | |
| 0.35% | $1k | - | 12-17 Month IRA Certificate | |
| 0.35% | $1k | - | 18-23 Month IRA Certificate | |
| 0.35% | $1k | - | 12-17 Month Roth IRA Certificate | |
| 0.35% | $1k | - | 18-23 Month Roth IRA Certificate | |
| 0.30% | $1k | - | 6 - 8 Month IRA Certificate | |
| 0.30% | $1k | - | 9-11 Month IRA Certificate | |
| 0.30% | $25 | - | 6 Month Educational Savings Account | |
| 0.30% | $1k | - | 6 - 8 Month Roth IRA Certificate | |
| 0.30% | $1k | - | 9-11 Month Roth IRA Certificate | |
| 0.20% | $1k | - | 3 - 5 Month IRA Certificate | |
| 0.20% | $1k | - | 3 - 5 Month Roth IRA Certificate | |
| 0.10% | $1k | - | 1 - 2 Month IRA Certificate | |
| 0.10% | $1k | - | 1 - 2 Month Roth IRA Certificate |
Rates updated: 5/18/2013
Data for Q4 2012
Institution Statistics
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Institution Health
Overall Score:
5 out of 5 
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Smaller Is Not Always Better
- KeypointCreditUnion - Friday, May 13, 2011 - 3:39 PMNo local branches, poor customer service when my account was compromised from id theft. Held on to my funds while they 'investigated' the theft, when clearly I could not be in Europe and in the USA at the same time. Free checks, no fees seem great overall, but honestly, most banks of larger stature offer many of the same benifits, with real customer serive and better laid out webbanking than Keypoint. Go ahead, take a chance. You'll be sorry you did.
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* All banks listed are a Member FDIC.
Continuously Frustrating Lack Of Any Form Of Customer Service
The rate is the only good thing about Keypoint CU. After that it almost seems as if this CU is trying to purposefully make every transaction as difficult as possible.
Applying for an account requires visiting one of its few branches (for me - driving 2 hours RT and $16 in gas) or using paper mail for every transaction. Application forms were sent to me and took 6 days to arrive. The forms are poorly designed and have type that is 1/16th inch and difficult to read. One error on a form required me to get another, which, after much prompting, I got them to send to me by email. I thought this was progress, that I had helped them leave the pony express age and move into the electronic age. But, no, the forms can not be filled out electronically and emailed back because they are protected and can only be printed (not saved) once data is typed into them. So, I printed the forms, manually filled them out, and then scanned them into files that I sent back to Keypoint. They, in turn, will convert the files back into paper. In total, electronic - paper - electroinc - paper. Hard to believe that no one at that CU is struck by the gross inefficiency of such a process.
There are no instructions on how to pay the CU membership/application fee, or about what ID is needed to start an account, and no final check list of what needs to be returned to complete the applicaton and funding process. Online chat help can only answer basic questions, aside from that, they will refer you to a phone number.
So, it's kind of like waiting in a long line at a discount grocery warehouse in order to save a few dollars. Every customer has to decide what their time and aggravation is worth.