Membership
At KeyPoint Credit Union, we help you make the most of your money—earning more interest on savings, money market and certificate accounts (Open now), and paying less interest on credit cards, auto loans and home mortgages (Apply now).
And we make it easier to manage your money with next-generation technology and tools—like the KeyPoint Mobile App** and our new Digital Application system.
Most importantly, we’re here to help you make smart financial decisions—with personal guidance from our skilled team of banking professionals, and free financial education programs and seminars like Smart Estate Planning and New Home Buying.
It all adds up to a unique banking experience you won’t find anywhere else:
- Low fees and excellent interest rates
- Free Online Banking, Mobile App and Bill Pay
- Live Chat
- 30,000 fee-free ATMs
- Free Checking or worldwide ATM fee rebates with an Unlimited Checking Account
- Annual Skip Pay option
- Flexible home loans to help you save thousands in interest and pay off your loan sooner
- Student Checking and Savings Accounts
- Free educational seminars
- Discounted insurance rates for auto, homeowners, life, disability and more
- Discounted tickets for Bay Area amusement parks (Find available park discounts by logging into the KeyPoint Mobile App or Online Banking and clicking on Services > Amusement Park Discounts)
- Discounts on used vehicle purchases and rentals through Enterprise Car Sales
How to Join
You're eligible to 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)
- Are an employee of any of these companies (and reside in a state listed):
- Apple, Inc. (AZ, CA, OR, TX)
- Intel Corporation (AZ, CA, OR, TX)
- Cisco Systems, Inc. (CA, TX)
- Adobe, Inc. (CA, OR)
- Synopsys, Inc. (CA, OR, TX)
- eBay Inc. (CA, TX)
- Juniper Networks (CA, TX)
- Samsung Research America (CA)
- Work for a company that is a member of the Greater Irvine Chamber of Commerce
- Are an immediate family member of a current Member, or if you live in the same household as a current Member
- Join the Financial Fitness Association—at no cost to you! And KeyPoint will seamlessly arrange for your enrollment in the FFA.
*Offer may be cancelled at any time. **Mobile carrier rates may apply. May not be combined with any other promotion. $25 minimum account opening deposit. $200 direct deposit bonus credited to checking account within 90 days of account opening if (a) checking account is opened with at least $25, (b) Member establishes minimum $1,000 recurring monthly direct deposit to account of net pay, pension, or government benefits, and (c) first direct deposit posts within 60 days after account opening. Recurring transfers or deposits from other sources, such as other accounts at KeyPoint or accounts at other institutions, do not qualify. $100 Debit Card usage bonus paid within four months of account opening if Member uses KeyPoint Debit Card to make 40 or more purchase transactions within three months after account opening. Other restrictions may apply. Student Checking Accounts are not eligible for this promotion. Offer good for new Members only—former Members who closed an account within two years of new account open date are not eligible for bonuses. Other restrictions may apply. Taxes on bonuses, if any, are the recipient's responsibility. KeyPoint complies with federal and state tax reporting laws.