Refer a Friend (Referred Friend)


KeyPoint Credit Union provides members in the Silicon Valley and beyond with products and services to improve your financial well-being.

Here’s How KeyPoint Credit Union Helps You

  • Credit unions are not-for-profit financial institutions
  • Credit unions are owned by our members, so we don’t have stockholders to pay—all "profits" are returned to our members in the form of better rates and lower fees
  • Credit unions focus on providing personalized member service
  • Deposits are insured by the National Credit Union Administration, an independent federal agency created by the U.S. Congress
  • Once you’re a KeyPoint Member,  you’re always a Member, regardless of where you live or work
Learn How Credit Unions Work View Video (opens in a new tab)

Right now, you can get up to $500 when you open or apply for a qualifying account.*
Here's how it works:

Checking Account

When you open and set up direct deposit of at least $1,000, you’ll get $300.1

5-Month or 12-Month Certificate

When you open with at least $25,000 of new money, you’ll get $100.2

Auto or Personal Loan

When the loan is funded, you'll get another $100.3

Get started!

Online: Open an account or apply for a loan online using the promo code "RAF26". 

OR

In-Person: Show your friend’s email or text message to a representative at a KeyPoint branch and ask for promotion “RAF26".

*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) must provide promo code “RAF26,” referring Member’s name and other identifying information if requested at account opening. Referred Member may receive up to $500 by meeting each bonus eligibility requirement; 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. 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 yield on certificates during the promotional period is 3.58%. 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.