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KeyPoint Credit Union (CA)


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/14/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/14/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/14/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/14/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/14/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/14/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.kpcu.com
888-255-3637
3556 La Rambla Avenue
Santa Clara, CA 95051

KeyPoint Credit Union (CA) is headquartered in San Jose and is the 41st largest credit union in the state of California. It is also the 297th largest credit union in the nation. It was established in 1979 and as of March of 2025, it had grown to 181 employees and 54,032 members at 8 locations. KeyPoint Credit Union (CA)'s money market rates are 5X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in KeyPoint Credit Union is open to all California residents through the Financial Fitness Association. 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. Employees of the following companies (and reside in a state listed) are also eligible to join: Apple, Inc. (AZ, CA, OR, TX), Intel Corporation (AZ, CA, OR, TX), Cisco Systems, Inc. (CA, TX), Adobe, Inc. (CA, OR), Synopsys, Inc. (CA, OR, TX), eBay Inc. (CA, TX), Juniper Networks (CA, TX), or Samsung Research America (CA).
See current membership details

Reviews (6)

Personalized Service

Posted by: |

It's not often the teller knows your name, how about a manager stopping to help you work through your concerns. KeyPoint continues to provide top notch service which is why I stay loyal. You can't beat the personalization and the neighborhood feel.

1

Excellent Company

Posted by: |

Awesome CU! KeyPoint truly cares for its members' financial wellbeing. The customer service is fantastic - branch staff are very friendly and helpful. I trust KeyPoint for my banking needs and very happy with the quality of services. I highly recommend!

1

New Vehicle Auto Loan

Posted by: |

When you get an auto loan, you also automatically get a bank account that you never agree to. And I don't when you try and link an external account so that way you can pay it has to be a transfer. It can't be an automatic payment and so it will make you late on your payment. If you don't do it multiple days before If I'd have known this beforehand I would have not got an auto loan with this company. They suck and would not recommend them as a auto loan company

1

Full Service Community Credit Union - Keypoint

Posted by: |

My neighbor that works for a technology company told me to consider KeyPoint for my small business. I was surprised to learn that they offered business loans and services. I visited one of the branches and was put in touch with the Business Banking Manager. The business banker really made me feel like he wanted the business, and the deposit rates are competitive. I ended up opening a business checking account and have not been disappointed. :-)

1

Very Modern Credit Union

Posted by: |

KeyPoint provides products for all stages of life. Kids' accounts, credit programs for newbies, firs time home buyers. Highly recommend you take a look at everything this CU has to offer. Much better service than big banks.

1

Shut Down My Accounts Due To A Business Decision

Posted by: |

KeyPoint seems to be manipulating this website by submitting several vague 5-star reviews within a 1-day period.

So I'm leaving an honest review of KeyPoint's so-called "Risk Management" department, which will happily shut down all of your KeyPoint accounts.

Avoid this credit union unless you want to be scrambling to find another bank on short notice. Also, KeyPoint's interest rates are not competitive with brokered CD's or money market funds.

4


Health
B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #65299
Year Chartered1979
Employees181
Primary Regulator
Profit Margin
Return on Assets - YTD0.59%
Return on Equity - YTD7.87%
Annual Interest Income$16.9MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$1.61B$1.69B
LoansQ1 2025vs Q1 2024$1.25B$1.28B
DepositsQ1 2025vs Q1 2024$1.39B$1.35B
Equity CapitalQ1 2025vs Q1 2024$120.4MM$112.7MM
Loan Loss AllowanceQ1 2025vs Q1 2024$8.3MM$13MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$3.2MM$4.1MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/14/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/14/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/14/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/14/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/14/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/14/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$0$2kQuickStart Savings - New Money
OTHER TIERS: 0.10% → $5k+ | 0.25% → $2k - $5k
0.25%$0-Health Savings Account
0.10%*$50k*-Savings Account
OTHER TIERS: 0.05% → $0 - $50k
0.10%*$50k*-Business Savings Account
OTHER TIERS: 0.05% → $0 - $50k
0.10%*$50k*-Kids Savings
OTHER TIERS: 0.05% → $0 - $50k

KeyPoint Credit Union (CA) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.50%*$250k*-Business Elite Money Market - New Money
OTHER TIERS: 1.00% → $0 - $25k | 2.00% → $25k - $50k | 2.75% → $50k - $100k | 3.25% → $100k - $250k
2.27%*$500k*-Performance Money Market- 25% New Money
OTHER TIERS: 0.50% → $0 - $25k | 0.75% → $25k - $50k | 1.26% → $50k - $100k | 1.76% → $100k - $250k | 2.02% → $250k - $500k
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

KeyPoint Credit Union (CA) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$0-Dividend Checking

KeyPoint Credit Union (CA) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.15%$500-12 Month Share Certificate Special
4.15%$500-Business 12 Month Share Certificate Special
3.65%$500-5 Month Share Certificate Special
3.65%$500-Business 5 Month Share Certificate Special
3.04%$500-12 Month Share Certificate
3.04%$500-24 Month Share Certificate
3.04%$500-60 Month Share Certificate
3.04%$500-Business 12 Month Share Certificate
3.04%$500-Business 24 Month Share Certificate
3.04%$500-Business 60 Month Share Certificate
2.78%$500-6 Month Share Certificate
2.78%$500-36 Month Share Certificate
2.78%$500-48 Month Share Certificate
2.78%$500-Business 6 Month Share Certificate
2.78%$500-Business 36 Month Share Certificate
2.78%$500-Business 48 Month Share Certificate
2.02%$500-Business 3 Month Share Certificate

KeyPoint Credit Union (CA) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.15%$500-12 Month IRA Certificate Special
3.65%$500-5 Month IRA Certificate Special
3.04%$500-12 Month IRA Certificate
3.04%$500-24 Month IRA Certificate
3.04%$500-60 Month IRA Certificate
2.78%$500-6 Month IRA Certificate
2.78%$500-36 Month IRA Certificate
2.78%$500-48 Month IRA Certificate
2.02%$500-3 Month IRA Certificate
0.25%$500-6 Month Educational Savings Account
0.15%*$50k*-Contributory IRA Flex Savings
OTHER TIERS: 0.10% → $100 - $50k
Locations


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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