KeyPoint Credit Union (CA) is headquartered in Santa Clara and is the 40th largest credit union in the state of California. It is also the 235th largest credit union in the nation. It was established in 1979 and as of December of 2018, it had grown to 179 employees and 60,069 members at 8 locations. KeyPoint Credit Union (CA)'s money market rates are 4X the national average, and it 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 Santa Clara, Alameda, El Dorado, Placer, San Mateo, Sacramento, Santa Barbara, or Contra Costa Counties and in select areas of Ventura County in California.
See current membership details
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Best Rates And Best Services
Extremely happy with customer service and rates. This CU has improved a lot
Very Disappointed After 23 Years..
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
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.
Data as of Q4 2018
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 65299 |
| Year Chartered | 1979 |
| Employees | 179 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.62% |
| Return on Equity - YTD | 7.92% |
| Annual Interest Income | $48.7MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2018vs Q4 2017 | $1.29B$1.20B |
| Loans | Q4 2018vs Q4 2017 | $1.05B$993.8MM |
| Deposits | Q4 2018vs Q4 2017 | $1.03B$956.4MM |
| Equity Capital | Q4 2018vs Q4 2017 | $101.3MM$94.4MM |
| Loan Loss Allowance | Q4 2018vs Q4 2017 | $3.8MM$3.7MM |
| Unbacked Noncurrent Loans | Q4 2018vs Q4 2017 | $4.3MM$2.8MM |
| Real Estate Owned | Q4 2018vs Q4 2017 | $0$0 |
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
KeyPoint Credit Union (CA) Money Market Rates
KeyPoint Credit Union (CA) Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.05% | - | - | Dividend Checking |
KeyPoint Credit Union (CA) CD Rates
KeyPoint Credit Union (CA) IRA Rates
| KeyPoint Credit Union (CA) Locations | ||
|---|---|---|
| Branch Office | 573 E CALAVERAS BLVD | Milpitas, CA 95035 |
| Branch Office | 1055 E Brokaw Rd | San Jose, CA 95131 |
| Branch Office | 7062 Market Place Dr | Goleta, CA 93117-5902 |
| Branch Office | 10815 N Wolfe Rd Ste 100 Ste C | Cupertino, CA 95014-0611 |
| Branch Office | 7901 Amador Valley Blvd | Dublin, CA 94568 |
| Branch Office | 2805 Bowers Ave | Santa Clara, CA 95051 |
| Branch Office | 132 E El Camino Real | Sunnyvale, CA 94087-1936 |
| Branch Office | 3980 RIVERMARK PLZ | Santa Clara, CA 95054 |