About FAQs

Call (888) 255-3637, click the Live Chat link during operating hours, or click here to request a call back—a Member Services Representative will contact you as soon as possible. You can also find our branch locations, hours and maps on our Locations page. 

Write to us at KeyPoint Credit Union, 2150 Trade Zone Boulevard, Suite 200, San Jose, CA 95131.

A credit union is a not-for-profit, Member-owned financial cooperative. Our volunteer Board of Directors is elected from our membership, and we do not have stockholders. Our Members “own” KeyPoint, so all “profits” are returned back to the membership in the form of better rates and fees.  

How to Join

You can join KeyPoint if you live, work, worship or attend school in one of these California communities:

• Alameda County 
• Contra Costa County
• El Dorado County
• Placer County
• Sacramento County
• San Mateo County
• Santa Barbara County
• Santa Clara County
• Ventura County [designated areas only]

Or you can join KeyPoint if your employer is a member of the Greater Irvine Chamber of Commerce.

Become a Member by opening an account or applying for a loan online, or visit any KeyPoint branch. 

A credit union is a not-for-profit, Member-owned financial cooperative. Our volunteer Board of Directors is elected from our membership, and we do not have stockholders. Our members “own” KeyPoint, so all “profits” are returned back to the membership in the form of better rates and fees.  

How to Join

You can join KeyPoint if you live, work, worship or attend school in one of these California communities:

• Alameda County 
• Contra Costa County
• El Dorado County
• Placer County
• Sacramento County
• San Mateo County
• Santa Barbara County
• Santa Clara County
• Ventura County [designated areas only]

Or you can join KeyPoint if your employer is a member of the Greater Irvine Chamber of Commerce.

Become a Member by opening an account or applying for a loan online, or visit any KeyPoint branch. 

A credit union is a not-for-profit, Member-owned financial cooperative. Our volunteer Board of Directors is elected from our membership, and we do not have stockholders. Our members “own” KeyPoint, so all “profits” are returned back to the membership in the form of better rates and fees.  

How to Join

You can join KeyPoint if you live, work, worship or attend school in one of these California communities:

• Alameda County 
• Contra Costa County
• El Dorado County
• Placer County
• Sacramento County
• San Mateo County
• Santa Barbara County
• Santa Clara County
• Ventura County [designated areas only]

Or you can join KeyPoint if your employer is a member of the Greater Irvine Chamber of Commerce.

Become a Member by opening an account or applying for a loan online, or visit any KeyPoint branch. 

Finding a branch or ATM is fast and easy with our ATM/Branch Locator. Locate one of our California branches, or find more than 5,000 shared branch locations. 

Click here to find a shared branch near you!

View how-to video: Getting cash at an ATM

As long as you meet the requirements to become a Member, you can join.

You can join KeyPoint if you live, work, worship or attend school in one of these California communities:

• Alameda County 
• Contra Costa County
• El Dorado County
• Placer County
• Sacramento County
• San Mateo County
• Santa Barbara County
• Santa Clara County
• Ventura County [designated areas only]

Or you can join KeyPoint if your employer is a member of the Greater Irvine Chamber of Commerce.

As long as you meet the requirements to become a Member, you can join.

You can join KeyPoint if you live, work, worship or attend school in one of these California communities:

• Alameda County 
• Contra Costa County
• El Dorado County
• Placer County
• Sacramento County
• San Mateo County
• Santa Barbara County
• Santa Clara County
• Ventura County [designated areas only]

Or you can join KeyPoint if your employer is a member of the Greater Irvine Chamber of Commerce.

KeyPoint is a great place to work! To see current job openings, please visit our Careers page. Thank you for your interest! 

We are a full-service financial institution, fully insured by the NCUA. We offer products and services including:

Become a Member by opening an account or applying for a loan online, or visit any KeyPoint branch. 

A credit union is a not-for-profit, Member-owned financial cooperative. Our volunteer Board of Directors is elected from our membership, and we do not have stockholders. Our members “own” KeyPoint, so all “profits” are returned back to the membership in the form of better rates and fees.  

We are a full-service financial institution, fully insured by the NCUA. We offer products and services including:

Become a Member by opening an account or applying for a loan online, or visit any KeyPoint branch. 

As long as you meet the requirements to become a Member, you can join.

You can join KeyPoint if you live, work, worship or attend school in one of these California communities:

• Alameda County 
• Contra Costa County
• El Dorado County
• Placer County
• Sacramento County
• San Mateo County
• Santa Barbara County
• Santa Clara County
• Ventura County [designated areas only]

Or you can join KeyPoint if your employer is a member of the Greater Irvine Chamber of Commerce.

You can open as many accounts as you wish, as long as you meet the requirements for each account (e.g., qualifying for a loan).

We are a full-service financial institution, fully insured by the NCUA. We offer products and services including:

Become a Member by opening an account or applying for a loan online, or visit any KeyPoint branch. 

Your KeyPoint accounts are federally insured to at least $250,000 (Individual Retirement Accounts up to an additional $250,000) through the National Credit Union Administration (NCUA).

NCUA insurance differs from other deposit insurance because it is funded by credit unions. Visit NCUA.gov to learn more!

You can find Account Disclosure Statements online at kpcu.com/Resources/Disclosures.

To receive an incoming wire, please provide the sender KeyPoint's SWIFT code: KERUUS66. 

KeyPoint will be closed on all Federal holidays. View our complete schedule here.

Online Banking is available 365 days a year to serve many of your banking needs!

Access your account online from your laptop, tablet or personal computer—Online Banking is secure, free, and available 24/7. After you register, you can take care of your banking tasks at your convenience: 

  • View current account balances and transaction details
  • View and export transaction history 
  • Pay bills
  • View check images
  • Transfer money between your own accounts, and accounts of other KeyPoint Members
  • Send money to anyone via an email address or cell phone
  • Transfer funds between your KeyPoint accounts and your accounts at other financial institutions
  • View eStatements, eTaxes and other electronic documents

View Demo

Log in from KeyPoint’s home page

Register

To view our locations and hours, please visit our Locations page. 

We take great pride in our community and love to give back! Please visit our KeyPoint in the community page to learn more. 

KeyPoint’s routing transit number is 321180515.

Routing transit numbers are 9 digit codes used to identify financial institutions in electronic transactions. When combined with your unique account number, a routing number will ensure that electronically-transferred funds are properly sent to and from your account (e.g., via direct deposit, wire transfers, and bill payments).

You can find your routing and account number on your checks or through Online Banking.

Not registered for Online Bill Pay?

KeyPoint’s free Bill Pay lets you pay bills online or with your mobile device any time, any place. Just enter a bill you want to pay, decide when you want it paid, and KeyPoint does the rest. You can also send money to friends or relatives! Both features are available in Online and Mobile Banking.

Log into Online or Mobile Banking and click Bill Pay to get started!

If you are not signed up for online banking, enroll now!

 

Only one KeyPoint branch allows members of other credit unions to come into our branch to conduct transactions: Goleta. 

Click here to find a shared branch near you!

Our representatives are available by phone 24/7 at (888) 255-3637. Branch hours vary by location and day. To view our branch hours of operation, please visit our Locations page. 

The International Bank Account Number (IBAN) is an international standard of identifying bank accounts, so funds can be transferred between financial institutions in different countries. The IBAN is unique to each institution and country. Only the institution servicing the account can provide the correct IBAN of that account, and it must be obtained from the beneficiary of an international wire transfer. An IBAN is required for beneficiary accounts in Europe and other countries around the world.

KeyPoint makes it easy to wire money! You can request a domestic or international wire transfer at any KeyPoint branch or through Online Banking (Forms > Online Wire Request Form).

After you submit your request, you will be required to sign documentation and provide a copy of your unexpired Driver’s License or Identification via DocuSign (a fast and secure digital platform that allows you to electronically sign documents). This extra step protects your account from fraudulent wire transfers. If we are unable to reach you, the wire may be voided.

To learn more about our current fees, please call our contact center at (888) 255-3637. Click here for detailed information about international wires (e.g., country-specific and currencies).

You will need the following information for a domestic wire:

  • The beneficiary name and contact information (the recipient of the funds)
  • The receiving financial institution of the beneficiary
  • The routing/ABA number for the beneficiary’s financial institution
  • The beneficiary account number

NOTE: The escrow instruction sheet is required for wires being sent to a title company.

You will need the following information for an international wire:

  • The beneficiary name and contact information (the recipient of the funds)
  • The receiving financial institution of the beneficiary
  • The BIC/SWIFT code (a unique identification code, usually 8 to 11 digits)
  • The beneficiary account or IBAN number (usually 22 to 27 digits)
  • Purpose of wire
  • The beneficiary phone number is also required when funds are being sent to Taiwan

NOTE: Additional information is required for wires being sent to India in that country's currency, Indian Rupees (INR).

  • Routing Code: Indian Financial System Code (IFSC), this consists of an 11-digit code representing a specific branch location
  • Purpose of Payment Code: Detailed purpose of payment is required on all amounts of INR
  • Nature of the remitter and beneficiary relationship (e.g., legal services, mother, father)

Yes! Members can find KeyPoint exclusive discounts to Disneyland, Knott's Berry Farm, Santa Cruz Boardwalk, the California Academy of Sciences, Universal Studios Hollywood, SeaWorld San Diego and Gilroy Gardens by logging into Online Banking and choosing Services > Amusement Park Discounts.