Rates
At KeyPoint, we help Members make the most of their money––earning more on savings, money market and certificate accounts, and paying less on consumer loans and home loans. Be sure to see our certificate specials here.
You’ll find some of the best rates around at KeyPoint. Check them out below:
| Title | Dividend Rate | Annual Percentage Yield (APY) |
|---|---|---|
| Dividend Checking | 0.05% | 0.05% |
Checking accounts have variable rates. All dividends are compounded and paid monthly.
Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Rates accurate as of 7/1/2025 and subject to change. Fees may reduce earnings.
| Savings Account Balance | Dividend Rate | Annual Percentage Yield (APY) |
|---|---|---|
| Less than $49,999.99 | 0.05% | 0.05% |
| $50,000 or greater | 0.10% | 0.10% |
*Kids Savings Account must have a financially responsible adult joint owner on account.
Savings accounts have variable rates. All dividends are compounded and paid monthly.
Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Rates accurate as of 7/1/2025 and subject to change. Fees may reduce earnings.
| QuickStart Savings Balance | Dividend Rate | Annual Percentage Yield Range |
|---|---|---|
| Up to $2,000 | 0.50% | 0.50% |
| $2,001 to $5,000 | 0.25% | 0.50% - 0.35% |
| $5,001 to $10,000 | 0.10% | 0.35% - 0.23% |
| $10,001 to $50,000 | 0.10% | 0.23% - 0.13% |
| More than $50,000 | 0.10% | 0.13% - 0.10% |
No minimum balance required. First $5,000 deposited must be savings not currently at KeyPoint. To qualify for these rates, must have active checking account. Active Checking is defined as a checking account having at least three transactions (deposits, withdrawals, debit card transactions) per month. Posting of earnings do not apply. One account per member. To determine the blended APY for custom dollar amounts, please use the QuickStart Calculator.
Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Rates accurate as of 7/1/2025 and subject to change. Fees may reduce earnings.
| Money Market Account Balance | Dividend Rate | Annual Percentage Yield Range |
|---|---|---|
| $1,000 to $9,999.99 | 0.05% | 0.05% |
| $10,000 to $24,999.99 | 0.10% | 0.10% |
| $25,000 to $49,999.99 | 0.15% | 0.15% |
| $50,000 or greater | 0.20% | 0.20% |
Balances under $1,000 will earn the regular savings rate. Money Marketing accounts have variable rates. All dividends are compounded and paid monthly.
Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Rates accurate as of 7/1/2025 and subject to change. Fees may reduce earnings.
| Performance Money Market Balance | Dividend Rate | Annual Percentage Yield Range |
|---|---|---|
| $0 to $24,999.99 | 0.50% | 0.50% |
| $25,000 to $49,999.99 | 0.75% | 0.75% |
| $50,000 to $99,999.99 | 1.25% | 1.26% |
| $100,000 to $249,999.99 | 1.75% | 1.76% |
| $250,000 to $499,999.99 | 2.00% | 2.02% |
| $500,000 or greater | 2.25% | 2.27% |
The minimum balance to open the Performance Money Market Account is $25,000. Twenty five percent (25%) of funds needs to be new money (not transferred from another KeyPoint account). Money Market accounts have variable rates. All dividends are compounded and paid monthly. Rates accurate as of 7/1/2025 and subject to change. Fees may reduce earnings.
| Money Market Account Balance | Dividend Rate | Annual Percentage Yield Range |
|---|---|---|
| $1,000 to $9,999.99 | 0.05% | 0.05% |
| $10,000 to $24,999.99 | 0.10% | 0.10% |
| $25,000 to $49,999.99 | 0.15% | 0.15% |
| $50,000 or greater | 0.20% | 0.20% |
Balances under $1,000 will earn the regular savings rate. Money Marketing accounts have variable rates. All dividends are compounded and paid monthly.
Rates accurate as of 7/1/2025 and subject to change. Fees may reduce earnings.
| Minimum Term | $500 Minimum Balance |
|---|---|
| 3 months | 2.00% rate 2.02% APY |
| 6 months | 2.75% rate 2.78% APY |
| 12 months | 3.00% rate 3.04% APY |
| 24 months | 3.00% rate 3.04% APY |
| 36 months | 2.75% rate 2.78% APY |
| 48 months | 2.75% rate 2.78% APY |
| 60 months | 3.00% rate 3.04% APY |
0.10% bonus with direct deposit. The displayed Rate and APY do not reflect the 0.10% bonus. Failure to maintain direct deposit during the term of the Certificate will reduce the rate by 0.10%, if the bonus is applied. All Certificates are compounded and paid monthly and/or at maturity. Certificates have fixed rates. Early withdrawal penalties apply. Certificates must maintain the rate tier minimum balance through the end of the term. If the balance falls below the rate tier minimum balance, the Certificate must be closed. Applicable penalties will apply to the principal balance. The stated APY assumes principal and interest remain on deposit for the term of the certificate. Interest is compounded monthly. Members must notify the Credit Union during the certificate renewal period for the 0.10% direct deposit bonus to be applied on the renewed certificate.
Rates accurate as of 7/1/2025 and subject to change. Fees may reduce earnings.
| Minimum Term | $500 Minimum Balance |
|---|---|
| 5 months | 3.59% rate 3.65% APY |
| 12 months | 4.07% rate 4.15% APY |
This promotional certificate is compounded and paid monthly and/or at maturity. Certificates have fixed rates. Early withdrawal penalties apply. Certificates must maintain the rate tier minimum balance through the end of the term. If the balance falls below the rate tier minimum balance, the Certificate must be closed. Applicable penalties will apply to the principal balance. The stated APY assumes principal and interest remain on deposit for the term of the certificate. Interest is compounded monthly. KeyPoint New money only—this certificate cannot be funded with money already in a KeyPoint account. **To join KeyPoint, you must be an eligible person in KeyPoint Credit Union’s field of membership.
Rates accurate as of 7/1/2025 and subject to change. Fees may reduce earnings.
| Term | Dividend Rate | Annual Percentage Yield (APY) |
|---|---|---|
| 6 months | 0.25% | 0.25% |
Educational Savings Accounts have a fixed rate and minimum $25 balance. All dividends are compounded and paid monthly and/or at maturity.
Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Rates accurate as of 7/1/2025 and subject to change. Fees may reduce earnings.
| Minimum Balance | Dividend Rate | Annual Percentage Yield (APY) |
|---|---|---|
| Any balance | 0.25% | 0.25% |
Savings accounts have variable rates. All dividends are compounded and paid monthly.
Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Rates accurate as of 7/1/2025 and subject to change. Fees may reduce earnings.
| Contributory IRA Flex Savings Balance | Dividend Rate | Annual Percentage Yield (APY) |
|---|---|---|
| $100 to $49,999.99 | 0.10% | 0.10% |
| $50,000 or greater | 0.15% | 0.15% |
Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Rates accurate as of 7/1/2025 and subject to change. Fees may reduce earnings.
| Contributory IRA Flex Money Market Balance | Dividend Rate | Annual Percentage Yield (APY) |
|---|---|---|
| $10,000 to $24,999.99 | 0.20% | 0.20% |
| $25,000 to $49,999.99 | 0.25% | 0.25% |
| $50,000 or greater | 0.30% | 0.30% |
Contributory Flex IRA accounts have a variable rate. All dividends are compounded and paid monthly.
Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Rates accurate as of 7/1/2025 and subject to change. Fees may reduce earnings.
ALL LOANS SUBJECT TO CREDIT APPROVAL. RATE IS BASED ON CREDITWORTHINESS AND OTHER FACTORS, AND MAY BE HIGHER THAN THE RATE SHOWN. RATES AND TERMS SUBJECT TO CHANGE WITHOUT NOTICE.
| New and Used | 24 Months | 36 Months | 48 Months | 60 Months | 72 Months | 84 Months |
|---|---|---|---|---|---|---|
| New Auto: 2025 or 2024 with under 5K miles | 5.49% - 19.00% | 5.74% - 19.00% | 5.74% - 19.00% | 5.74% - 19.00% | 5.99% - 19.00% | 6.49% - 19.00% |
| Used Auto: 2018 – 2024 with 5K miles or more | 5.49% - 19.00% | 5.74% - 19.00% | 5.74% - 19.00% | 5.74% - 19.00% | 5.99% - 19.00% | 6.49% - 19.00% |
Rates accurate as of 7/1/2025 and subject to change. All loans and terms are subject to credit approval. Rate is based on credit worthiness and other factors and may be higher than the rate shown. Loan rates on 2015 to 2017 model years are 2.00% higher than the rate for which the applicant otherwise qualifies. The final loan rate cannot be less than the FLOOR RATE of 1.49%.
Minimum loan amount is $5,000 (exceptions are possible for < $5,000).
*90-day Deferral of First Payment is available to qualified applicants on all programs.
Payment Examples:
- Pay $23.37 per month per $1,000 borrowed at 5.74% APR for 48-months
- Pay $14.97 per month per $1,000 borrowed at 6.49% APR for 84-months
| New and Used | 36 Months | 48 Months | 60 Months | 72 Months |
|---|---|---|---|---|
| New Motorcycle: Model year 2025 and newer | 6.74% | 7.24% | 7.49% | 7.74% |
| Used Motorcycle: Maximum five model years old | 6.99% | 7.24% | 7.49% | 7.74% |
Rates accurate as of 7/1/2025 and subject to change.
Minimum loan amount is $5,000. Maximum loan amount is $50,000
Payment Example:
- Pay $24.06 per month per $1,000 borrowed at 7.24% APR for 48-months
| Loan to Value | APR | Loan Amount | Term (Months) |
|---|---|---|---|
| 61% - 80% (new: model year 2024 and newer) | 12.20% | $2,500 or more | 24 - 120 |
| less than 60% (new: model year 2024 and newer) | 11.99% | $2,500 or more | 24 - 120 |
| 61% - 80% (used: maximum three model years old) | 13.20% | $2,500 or more | 24 - 120 |
| less than 60% (used: maximum three model years old) | 12.99% | $2,500 or more | 24 - 120 |
Rates accurate as of 7/1/2025 and subject to change. Maximum LTV is 80% plus tax, license, and all documentation/recording fees.
Minimum loan amount is $2,500. Used boat loans of $10,000 or greater require marine survey.
Payment Examples:
- Pay $14.47 per month per $1000 borrowed at 12.20% APR for 120 months
- Pay $15.06 per month per $1000 borrowed at 13.20% APR for 120 months
Credit Cards
| Loan Type | Loan Term | APR | Monthly Payment (for each $1,000 borrowed at the maximum term) |
|---|---|---|---|
| Personal Loan ($500-$25,000) | 12-72 months | 9.99% - 24.00% | $18.52 - $26.33 |
| Personal Line of Credit ($1,000-$25,000) | N/A | 12.45% - 23.00%* | $25.00 or 2%** |
| Debt Consolidation Loan ($500 - $50,000) | 12-72 months | 9.99% - 24.00% | $18.52 – 26.33 |
Rates accurate as of 7/1/2025 and subject to change.
*Rate is variable, based on Prime Rate as published in The Wall Street Journal Money Rates Table (the \"Index\") plus a margin.
**The minimum monthly payment is the greater of $25.00 or 2% of the outstanding principal balance of the credit line plus accrued interest and other fees and charges billed to the account during the monthly billing period.
The final loan rate cannot be less than the FLOOR RATE of 7.20%.
| Loan Type | Loan Term | Annual Percentage Rate (APR) | Monthly Payment |
|---|---|---|---|
| Home Improvement Loan ($10,000 - $100,000) | 12 – 120 months | 8.99% - 12.49% | $24.88 - $14.64 (for each $1,000 borrowed at the maximum term) |
Rates accurate as of 7/1/2025 and subject to change.
Payment Example:
- Pay $14.64 per month per $1,000 borrowed at 12.49% APR for 120 months
| Loan Type | Loan Term | Annual Percentage Rate (APR) | Monthly Payment (for each $1,000 borrowed at the maximum term) |
|---|---|---|---|
| Student Loan Fixed ($5,000 - $75,000) | 60-180 months | 4.99% - 12.99% | $7.91 - $12.65 |
| Student Loan Variable ($5,000 - $75,000) | 60-180 months | 5.49% - 13.49%* | $8.17 - $12.99 |
*Rate is variable, based on Prime Rate as published in The Wall Street Journal Money Rates Table (the \"Index\") plus a margin.
Rates accurate as of 7/1/2025 and subject to change.
Payment Example:
- Payment example: Pay $18.87 per month per $1,000 borrowed at 4.99% APR for 60 months.
| Title | APR | Amount Financed | Term |
|---|---|---|---|
| *Certificate-Secured Loan | Certif. Rate +2% | N/A | Certificate Maturity |
Rates accurate as of 7/1/2025 and subject to change.
| Title | APR | Amount Financed | Term |
|---|---|---|---|
| Share Account Secured Loan | 2.49% | $2,500 | 12 to 60 months |
| 2.99% | $2,500 | 72 months |
Rates accurate as of 7/1/2025 and subject to change.
| Title | APR | Amount Financed | Term |
|---|---|---|---|
| Stock Secured Loan | 10.9% | Max LTV 50% of current value | 12 to 60 months |
Payment Examples:
- Pay $42.76 per month per $1,000 borrowed at 2.49% APR for 24 months
- Pay $35.02 per month per $1,000 borrowed at 15.74% APR for 36 months
Ask a KeyPoint representative for a payment example on the loan type, amount and term you want.
Rates accurate as of 7/1/2025 and subject to change.
| Title | APR | Amount Financed | Term |
|---|---|---|---|
| Credit Starter Loan | 0% | $500 | 12 to 24 months |
Rates accurate as of 7/1/2025 and subject to change.
Payment Example:
- Pay $41.67 per month per $1,000 borrowed at 0% APR for 12 months
| Title | APR | Amount Financed | Term |
|---|---|---|---|
| Credit Mender Loan | 3.99% | $500 - $2,500 | 12 to 36 months |
Rates accurate as of 7/1/2025 and subject to change.
Payment Example:
- Pay $29.52 per month per $1,000 borrowed at 3.99% APR for 12 months
ALL LOANS SUBJECT TO CREDIT APPROVAL. RATE IS BASED ON CREDITWORTHINESS AND OTHER FACTORS, AND MAY BE HIGHER THAN THE RATE SHOWN. RATES AND TERMS SUBJECT TO CHANGE WITHOUT NOTICE.
Mortgage Rates
Get customized rates
| Loan Type | Introductory Period for Fixed Rate* | Initial Fixed APR | Annual Percentage Rate (APR) |
|---|---|---|---|
| Home Equity Line of Credit: $250,000 and less | 12 Months | As low as 6.49% | As low as 7.50% |
| Home Equity Line of Credit: $250,001 - $500,000 | Not Applicable | Not Applicable | As low as 8.00% |
| High CLTV Home Equity Line of Credit: $175,000 and less | 12 months | As low as 7.49% | As low as 8.25% |
*After Introductory Period for Fixed Rate, rate is variable, based on Prime Rate as published in The Wall Street Journal Money Rates Table ("Index") plus 0% for lines $250,000 and less or plus 0.500% for lines above $250,000. Your rate may be higher depending on your credit score at time of application.
Equity lines are available for owner-occupied single-family, townhomes, condominiums (subject to additional restrictions) and 2-unit properties (1 unit must be owner-occupied). The lowest rates as shown require (a) $25,000 minimum line amount, (b) 75% or lower loan to value (LTV)/combined loan to value (CLTV) ratio, and (c) a minimum credit score of 760. The floor rate is 4.50%. The lifetime maximum variable APR is 16.00%. Equity lines have a 10-year draw period and a 20-year repayment period for a total term of 30 years. Interest only payments during 10-year draw period. Fees to establish an equity line typically range from $950 - $1,500. Equity lines are subject to a full appraisal. Line amounts above $250,000 and/or above 75% LTV/CLTV require a full appraisal instead of an exterior appraisal. The fee for a full appraisal typically ranges from $600 - $900. An appraisal may be subject to additional fees for certain property characteristics, including but not limited to, acreage, large home size, waterfront and/or additional amenities. No annual fee or early termination fee. All loans subject to credit approval. Rates and terms subject to change without notice. Maximum line amount is $500,000 and maximum cash in hand is $250,000.
Rates accurate as of 7/1/2025 and subject to change.
| Term | Fixed Rate* | Annual Percentage Rate (APR) |
|---|---|---|
| 7 Years | As low as 7.500% | As low as 7.786% |
| 10 Years | As low as 7.500% | As low as 7.709% |
| 15 Years | As low as 7.625% | As low as 7.901% |
| 20 Years | As low as 7.875% | As low as 7.998% |
*Rates and terms available as of 7/1/2025; subject to change without notice. Conditions and restrictions apply. Approved applicants may be offered a higher interest rate depending on credit score, loan to value ratio and other factors we may consider. Pay $11.88 per month per $1,000 borrowed at 7.709% APR for 10-years.
Equity loans are available for owner-occupied single-family, townhomes, condominiums (subject to additional restrictions) and 2-unit properties (1 unit must be owner occupied). The lowest rates as shown require (a) $20,000 minimum loan amount, (b) 80% or lower loan to value (LTV)/combined loan to value (CLTV) ratio, and (c) a minimum credit score of 700. Fees to establish an equity loan typically range from $950-$1,500. On purchase transactions, fees are waived on home equity loan when combined with a KeyPoint 1st mortgage ("Combo"). Equity loan may be subject to a full appraisal. The fee for a full appraisal typically ranges from $600-$900. An appraisal may be subject to additional fees for certain property characteristics, including but not limited to, acreage, large home size, waterfront and/or additional amenities. All loans are subject to credit approval.