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 281st largest credit union in the nation. It was established in 1979 and as of December of 2023, it had grown to 180 employees and 53,272 members at 8 locations. KeyPoint Credit Union (CA)'s CD rates are 6X 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
Personalized Service
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.
Excellent Company
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!
Shut Down My Accounts Due To A Business Decision
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.
Full Service Community Credit Union - Keypoint
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. :-)
Data as of Q4 2023
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 65299 |
| Year Chartered | 1979 |
| Employees | 180 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.33% |
| Return on Equity - YTD | 5.03% |
| Annual Interest Income | $66.5MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2023vs Q4 2022 | $1.68B$1.81B |
| Loans | Q4 2023vs Q4 2022 | $1.3B$1.4B |
| Deposits | Q4 2023vs Q4 2022 | $1.32B$1.32B |
| Equity Capital | Q4 2023vs Q4 2022 | $109.4MM$117MM |
| Loan Loss Allowance | Q4 2023vs Q4 2022 | $15.2MM$6.7MM |
| Unbacked Noncurrent Loans | Q4 2023vs Q4 2022 | $3.9MM$5.7MM |
| Real Estate Owned | Q4 2023vs Q4 2022 | $0$0 |