*Offer available from 1/1/2026 to 3/31/2026. General eligibility requirements: (1) KeyPoint Credit Union membership required; (2) only funds not already on deposit with KeyPoint (“new money”) count towards bonus eligibility; (3) referred Member must provide promo code “RAF26,” referring Member’s name and other identifying information if requested at account opening. Referring Member may receive one $100 bonus for each bonus-eligible KeyPoint service a referred Member opens, up to a maximum of $300 per referred Member. Referred Member may receive up to $500 by meeting each bonus eligibility requirement; referred Member cannot open the same account multiple times for additional bonuses. ¹Checking bonus: Referred Member must (1) not have had an account or loan with KeyPoint in the previous two years, (2) open a KeyPoint Checking account with at least $10, (3) establish recurring qualified monthly direct deposit of at least $1,000 from salary or personal income (e.g., pension, social security or government benefits) for 6 consecutive months to Checking account, (4) have first qualifying direct deposit post within 60 days of account opening. Referring Member will get $100 90 days after account opening if eligibility requirements are met. Referred Member receives bonus of up to $300 in six monthly $50 installments, one for each consecutive month account receives at least $1,000 of qualified direct deposit. Recurring transfers or deposits from other accounts held at KeyPoint or other institutions, debit/credit card payments, account-to-account transfers or peer-to-peer services (e.g., Zelle® or Venmo) do not qualify. KeyPoint may verify deposit sources and withhold bonuses if requirements are not met. Interruptions or failure to meet direct deposit requirements will forfeit remaining bonus payments. Student and Kids Checking accounts are not eligible for this promotion. ²Certificate bonus: $100 paid to referring and referred Members 30 days after opening of qualified KeyPoint certificate. Certificates may be subject to early withdrawal penalties. Annual percentage yields on certificates during promotional period range from 3.65% to 3.75% depending on term selected. ³Loan bonus: Referred Member must apply, be approved for, and fund either a new KeyPoint auto loan ($10,000 minimum) or personal loan ($5,000 minimum; includes debt consolidation and signature home improvement loans). Refinances of existing KeyPoint debt are not eligible. All loans are subject to credit approval. Bonuses paid 30 days after loan funding. 

⁴KeyPoint will automatically rebate ATM fees within a few business days.  System differences with the owners of the ATMs you use may not allow automatic rebates and you would then need to manually request rebates.  ⁵Just use your KeyPoint debit card to make ten (10) purchases within the month, and you pay no account fee. You can also waive the account fee with a direct deposit of at least $1,000.  ⁶$2 monthly paper statement fee.

KeyPoint Membership required.