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Keypoint CU (CA)

Popular Accounts at this Credit Union

1.97%5-year CD60 Month Share Certificate
1.06%1-year CD12 Month Share Certificate
0.10%SavingsSavings Account

Overview / Commentary
2805 Bowers Ave
Santa Clara, CA 95051

Keypoint CU (CA) is headquartered in Santa Clara and is the 39th largest credit union in the state of California. It is also the 236th largest credit union in the nation. It was established in 1979 and as of September of 2017, it had grown to 174 employees and 55,419 members at 8 locations. Keypoint CU (CA)'s CD rates are 90% higher than the national average, and it has a B+ 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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Reviews (5)

Best Rates And Best Services

Posted by: Munur | Jul 9, 2015

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

Very Disappointed After 23 Years..

Posted by: faridjoo | Oct 18, 2017

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: Elk Vermin | Apr 4, 2016

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 - YTD0.35%
Return on Equity - YTD4.47%
Annual Interest Income$29.7MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$1.21B$1.11B
LoansQ3 2017vs Q3 2016$986.0MM$915.7MM
DepositsQ3 2017vs Q3 2016$920.3MM$918.0MM
Equity CapitalQ3 2017vs Q3 2016$93.7MM$88.9MM
Loan Loss AllowanceQ3 2017vs Q3 2016$3.3MM$3.1MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$1.7MM$2.0MM
Real Estate OwnedQ3 2017vs Q3 2016$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Keypoint CU (CA) Savings Account Rates

1.00%--Health Savings Account
0.25%*$100k*-High Yield Savings
OTHER TIERS: 0.15% $25k - $50k | 0.20% $50k - $100k
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 CU (CA) Money Market Rates

0.30%*$50k*-Regular Money Market
OTHER TIERS: 0.15% $1k - $10k | 0.20% $10k - $25k | 0.25% $25k - $50k
0.30%*$50k*-Business Money Market
OTHER TIERS: 0.15% $1k - $10k | 0.20% $10k - $25k | 0.25% $25k - $50k
0.30%*$50k*-Contributory Flex IRA Money Market
OTHER TIERS: 0.20% $10k - $25k | 0.25% $25k - $50k

Keypoint CU (CA) Checking Account Rates

0.05%--Dividend Checking

Keypoint CU (CA) CD Rates

1.97%$1k-60 Month Share Certificate
1.97%$1k-Business 60 Month Share Certificate
1.82%$1k-24 Month Share Certificate Special
1.82%$1k-Business 24 Month Share Certificate Special
1.71%$1k-12 Month Share Certificate Special
1.71%$1k-Business 12 Month Share Certificate Special
1.61%$1k-48 Month Share Certificate
1.61%$1k-Business 48 Month Share Certificate
1.41%$1k-36 Month Share Certificate
1.41%$1k-Business 36 Month Share Certificate
1.36%$1k-24 Month Share Certificate
1.36%$1k-Business 24 Month Share Certificate
1.06%$1k-12 Month Share Certificate
1.06%$1k-Business 12 Month Share Certificate
0.65%$1k-6 Month Share Certificate
0.65%$1k-Business 6 Month Share Certificate
0.55%$1k-6 Month Educational Savings Account
0.40%$1k-3 Month Share Certificate
0.40%$1k-Business 3 Month Share Certificate
0.25%$1k-1 Month Share Certificate
0.25%$1k-Business 1 Month Share Certificate

Keypoint CU (CA) IRA Rates

1.97%$1k-60 Month IRA Certificate
1.82%$1k-24 Month IRA Certificate Special
1.71%$1k-12 Month IRA Certificate Special
1.61%$1k-48 Month IRA Certificate
1.41%$1k-36 Month IRA Certificate
1.36%$1k-24 Month IRA Certificate
1.06%$1k-12 Month IRA Certificate
0.65%$1k-6 Month IRA Certificate
0.40%$1k-3 Month IRA Certificate
0.25%$1k-1 Month IRA Certificate

Keypoint CU (CA) Locations
Branch Office573 E CALAVERAS BLVDMilpitas, CA 95035
Branch Office1055 E Brokaw RdSan 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
Branch Office2805 Bowers AveSanta Clara, CA 95051
Branch Office132 E El Camino RealSunnyvale, CA 94087-1936
Branch Office3980 RIVERMARK PLZSanta Clara, CA 95054