KeyPoint Credit Union (CA)

Overview / Commentary
3556 La Rambla Avenue
Santa Clara, CA 95051

KeyPoint Credit Union (CA) is headquartered in San Jose and is the 39th largest credit union in the state of California. It is also the 266th largest credit union in the nation. It was established in 1979 and as of March of 2022, it had grown to 182 employees and 59,564 members at 8 locations. KeyPoint Credit Union (CA) has an A health rating.

Field of Membership Restrictions

Membership in Keypoint Credit Union is open to those who live, work, worship, or attend school in the California counties of Alameda, Contra Costa, El Dorado, Placer, Sacramento, San Mateo, Santa Barbara, or Santa Clara, and in select areas of Ventura County.
See current membership details

Reviews (6)

Best Rates And Best Services

Posted by: |

Extremely happy with customer service and rates. This CU has improved a lot

Keypoint Is Untrustworthy And Incompetent

Posted by: |

KeyPoint is an untrustworthy and incompetent banking partner. Their website is an example of how a company designs its website so that customers can not contact KeyPoint. KeyPoint looks for any pretext to create additional fees for auto loans, insurance coverage, and force customers to call back and forth between different departments. It's a deliberate attempt to complicate and confuse the process of customers getting resolutions to problems which KeyPoint creates. Stay away from KeyPoint!

Very Disappointed After 23 Years..

Posted by: |

I never liked this bank and reduced using the bank account less and less.. Now I know why.. customer support sucks.. They make everything very difficult.. I tried to open an account for my son online but it's impossible..

Used To Be Good, TERRIBLE Now

Posted by: |

So, this is the third time in a year that suddenly, my debit card stops working. I look at my account - not overdrawn, plenty of money.
There is a suspicious $1.00 charge - oh, great, it's happened again.
For some reason, this $1.00 charge, which is suspicious, completely locks my card without so much as an email, phone call, text alert, nothing.
So I call support (It's after 5 PM) - they can do nothing until tomorrow. The people in the branch have to physically turn back on my card. So how do I get home? How do I shop or do anything until tomorrow at 10 AM?
Here's an idea: BLOCK ALL $1.00 CHARGES ON MY ACCOUNT. FOREVER. I will never use my card for one dollar. Ever. And if I do, then I would deserve to be screwed.

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.

Smaller Is Not Always Better

No 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.


Health Grade Components

NCUA #65299
Year Chartered1979
Primary Regulator
Profit Margin
Return on Assets - YTD0.7%
Return on Equity - YTD9.01%
Annual Interest Income$11.4MM
Assets and Liabilities
AssetsQ1 2022vs Q1 2021$1.68B$1.63B
LoansQ1 2022vs Q1 2021$1.19B$1.05B
DepositsQ1 2022vs Q1 2021$1.41B$1.31B
Equity CapitalQ1 2022vs Q1 2021$128.4MM$138.3MM
Loan Loss AllowanceQ1 2022vs Q1 2021$4.9MM$2.9MM
Unbacked Noncurrent LoansQ1 2022vs Q1 2021$719.00K$838.00K
Real Estate OwnedQ1 2022vs Q1 2021$0$2.5MM
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Always verify rates and promotions with the bank or credit union. We are not KeyPoint Credit Union (CA); we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

KeyPoint Credit Union (CA) Savings Account Rates

0.50%*-$2kQuickStart Savings - New Money
OTHER TIERS: 0.10% $5k+ | 0.25% $2k - $5k
0.25%--Health Savings Account
0.20%*$50k*-High Yield Savings Account
OTHER TIERS: 0.10% Up to $25k | 0.15% $25k - $50k
0.15%*$50k*-Contributory IRA Flex Savings
OTHER TIERS: 0.10% $100 - $50k
0.10%*$50k*-Savings Account
OTHER TIERS: 0.05% Up to $50k
0.10%*$50k*-Business Savings Account
OTHER TIERS: 0.05% Up to $50k

KeyPoint Credit Union (CA) Money Market Rates

0.30%*$50k*-Contributory IRA Flex Money Market
OTHER TIERS: 0.20% $10k - $25k | 0.25% $25k - $50k
0.20%*$50k*-Money Market
OTHER TIERS: 0.05% $1k - $10k | 0.10% $10k - $25k | 0.15% $25k - $50k
0.20%*$50k*-Business Money Market
OTHER TIERS: 0.05% $1k - $10k | 0.10% $10k - $25k | 0.15% $25k - $50k
0.20%$5k-Premier Money Market - New Money

KeyPoint Credit Union (CA) Checking Account Rates

0.05%--Dividend Checking

KeyPoint Credit Union (CA) CD Rates

1.20%$1k-60 Month Share Certificate
1.20%$1k-Business 60 Month Share Certificate
1.00%$1k-48 Month Share Certificate
1.00%$1k-Business 48 Month Share Certificate
0.95%$1k-36 Month Share Certificate
0.95%$1k-Business 36 Month Share Certificate
0.80%$1k-24 Month Share Certificate
0.80%$1k-Business 24 Month Share Certificate
0.70%$1k-12 Month Share Certificate
0.70%$1k-Business 12 Month Share Certificate
0.50%$1k-6 Month Share Certificate
0.50%$1k-Business 6 Month Share Certificate
0.30%$1k-3 Month Share Certificate
0.30%$1k-Business 3 Month Share Certificate
0.25%$1k-1 Month Share Certificate
0.25%$1k-Business 1 Month Share Certificate

KeyPoint Credit Union (CA) IRA Rates

1.20%$1k-60 Month IRA Certificate
1.00%$1k-48 Month IRA Certificate
0.95%$1k-36 Month IRA Certificate
0.80%$1k-24 Month IRA Certificate
0.70%$1k-12 Month IRA Certificate
0.50%$1k-6 Month IRA Certificate
0.30%$1k-3 Month IRA Certificate
0.25%$1k-1 Month IRA Certificate
0.25%$25-6 Month Educational Savings Account

KeyPoint Credit Union (CA) Locations
Branch Office3556 La Rambla AveSanta Clara, CA 95051-0734
Branch Office573 E CALAVERAS BLVDMilpitas, CA 95035
Branch Office1055 E Brokaw Rd Suite 10San Jose, CA 95131
Branch Office7062 Market Place DrGoleta, CA 93117-5902
Branch Office10815 N Wolfe Rd Ste 100 Ste CCupertino, CA 95014-0611
Branch Office7901 Amador Valley BlvdDublin, CA 94568
Corporate Office2150 Trade Zone BlvdSan Jose, CA 95131-1730
Branch Office7030 Santa Teresa Blvd Ste 10San Jose, CA 95139-1322

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