Keypoint CU (CA)
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | ACCOUNT NAME |
|---|---|---|
| 1.91% | 5-year CD | 60 Month Share Certificate 1.85% - Synchrony Bank 60 Month CD |
| 0.60% | 1-year CD | 12 Month Share Certificate 1.05% - Ally Bank High Yield 12-Month CD |
| 0.10% | Savings | Savings Account 1.00% - Ally Bank Online Savings Account |
Keypoint CU (CA) is headquartered in Santa Clara and is the 41st largest credit union in the state of California. It is also the 241st largest credit union in the nation. It was established in 1979 and as of June of 2016, it had grown to 164 employees and 52,503 members at 9 locations. Keypoint CU (CA) has an A health rating.
Field of Membership Restrictions
Keypoint Credit Union of California is open to the residents, church members, registered students, and the people that maintain employment within these qualified counties: Alameda, Contra Costa, El Dorado, Placer, Sancremento, San Mateo, Santa Barbara, Santa Clara and the designated areas of Ventura County, along with the employees of the credit union affiliated select employee groups.
See current membership details
Related Posts
Best Rates And Best Services
Extremely happy with customer service and rates. This CU has improved a lot
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 Q2 2016
Learn more about bank healthHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 65299 |
| Year Chartered | 1979 |
| Employees | 164 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.54% |
| Return on Equity - YTD | 6.57% |
| Annual Interest Income | $16.9MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2016vs Q2 2015 | $1.08B$967.9MM |
| Loans | Q2 2016vs Q2 2015 | $862.9MM$783.6MM |
| Deposits | Q2 2016vs Q2 2015 | $900.7MM$824.0MM |
| Equity Capital | Q2 2016vs Q2 2015 | $87.6MM$79.6MM |
| Loan Loss Allowance | Q2 2016vs Q2 2015 | $3.1MM$3.5MM |
| Unbacked Noncurrent Loans | Q2 2016vs Q2 2015 | $1.8MM$2.3MM |
| Real Estate Owned | Q2 2016vs Q2 2015 | $0$0 |
Always verify rates and promotions with the bank or credit union. We are not Keypoint CU (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 CU (CA) Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 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 | |||||
Keypoint CU (CA) Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.30%* | $50k* | - | Business Money Market | ||
| OTHER TIERS: 0.05% → $1k - $10k | 0.10% → $10k - $25k | 0.25% → $25k - $50k | |||||
| 0.30%* | $50k* | - | Contributory Flex IRA Money Market | ||
| OTHER TIERS: 0.20% → $10k - $25k | 0.25% → $25k - $50k | |||||
| 0.20%* | $50k* | - | Regular Money Market | ||
| OTHER TIERS: 0.05% → $1k - $10k | 0.10% → $10k - $25k | 0.15% → $25k - $50k | |||||
Keypoint CU (CA) Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.05% | - | - | Dividend Checking |
Keypoint CU (CA) CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 1.91% | $1k | - | 60 Month Share Certificate | |
| 1.91% | $1k | - | Business 60 Month Share Certificate | |
| 1.21% | $1k | - | 48 Month Share Certificate | |
| 1.21% | $1k | - | Business 48 Month Share Certificate | |
| 0.95% | $1k | - | 36 Month Share Certificate | |
| 0.95% | $1k | - | Business 36 Month Share Certificate | |
| 0.75% | $1k | - | 24 Month Share Certificate | |
| 0.75% | $1k | - | Business 24 Month Share Certificate | |
| 0.60% | $1k | - | 12 Month Share Certificate | |
| 0.60% | $1k | - | Business 12 Month Share Certificate | |
| 0.55% | $1k | - | 6 Month Share Certificate | |
| 0.55% | $1k | - | Business 6 Month Share Certificate | |
| 0.45% | $1k | - | 3 Month Share Certificate | |
| 0.45% | $1k | - | Business 3 Month Share Certificate | |
| 0.35% | $1k | - | 1 Month Share Certificate | |
| 0.35% | $1k | - | Business 1 Month Share Certificate |
Keypoint CU (CA) IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 1.91% | $1k | - | 60 Month IRA Certificate | |
| 1.21% | $1k | - | 48 Month IRA Certificate | |
| 0.95% | $1k | - | 36 Month IRA Certificate | |
| 0.75% | $1k | - | 24 Month IRA Certificate | |
| 0.60% | $1k | - | 12 Month IRA Certificate | |
| 0.55% | $1k | - | 6 Month IRA Certificate | |
| 0.55% | $25 | - | 6 Month Educational Savings Account | |
| 0.45% | $1k | - | 3 Month IRA Certificate | |
| 0.35% | $1k | - | 1 Month IRA Certificate |
| Keypoint CU (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 # 100 Ste C | Cupertino, CA 95014-0618 |
| Branch Office | 110 Blue Ravine Rd Ste 152 | Folsom, CA 95630-4712 |
| 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 |