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. 

You’ll find some of the best rates around at KeyPoint. 

Check them out:

Checking Rates
Rates Effective: 10/31/19
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.  For more information, see the Truth in Savings Disclosure

Rates accurate as of 10/31/2019 and subject to change. Fees may reduce earnings. 

Savings Rates
Rates Effective: 10/31/19
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%

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.  For more information, see the Truth in Savings Disclosure.

Rates accurate as of 10/31/2019 and subject to change. Fees may reduce earnings. 

QuickStart Savings
Rates Effective: 3/5/20
QuickStart Savings Balance Dividend Rate Annual Percentage Yield Range
Up to $2,000 2.00% 2.02%
$2,001 to $5,000 1.00% 2.02% - 1.41%
$5,001 to $10,000 0.50% 1.41% - 0.95%
$10,001 to $50,000 0.35% 0.95% - 0.47%
More than $50,000 0.30% 0.47% - 0.30%

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.  For more information, see the Truth in Savings Disclosure.

Rates accurate as of 3/5/2020 and subject to change. Fees may reduce earnings. 

High Yield Savings Account
Rates Effective: 10/31/19
High Yield Savings Balance Dividend Rate Annual Percentage Yield Range
Less than $25,000 0.20% 0.20%
$25,000 to $49,999.99 0.25% 0.25%
$50,000 to $99,999.99 0.30% 0.30%
$100,000 or greater 0.35% 0.35%

High Yield 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.  For more information, see the Truth in Savings Disclosure.

Rates accurate as of 10/31/2019 and subject to change. Fees may reduce earnings. 

Money Market Rates - Individual
Rates Effective: 10/31/19
Money Market Dividend Rate Annual Percentage Yield Range
$1,000 to $9,999.99 0.20% 0.20%
$10,000 to $24,999.99 0.25% 0.25%
$25,000 to $49,999.99 0.30% 0.30%
$50,000 or greater 0.35% 0.35%

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.  For more information, see the Truth in Savings Disclosure.

Rates accurate as of 10/31/2019 and subject to change. Fees may reduce earnings. 

Premier Money Market Rates - Individual
Rates Effective: 3/17/20
Premier Money Market Dividend Rate Annual Percentage Yield Range
$5,000 or greater 0.35% 0.35%

The minimum balance to open the Premier Money Market Account is $10,000. Funds to open the Premier Money Market Account must be new to KeyPoint (not transferred from another KeyPoint account). Balances under $5,000 will earn the regular savings rate. Premier 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.  For more information, see the Truth in Savings Disclosure

Rates accurate as of 3/17/2020 and subject to change. Fees may reduce earnings. 

Money Market Rates – Business
Rates Effective: 10/31/19
Money Market Dividend Rate Annual Percentage Yield Range
$1,000 to $9,999.99 0.20% 0.20%
$10,000 to $24,999.99 0.25% 0.25%
$25,000 to $49,999.99 0.30% 0.30%
$50,000 or greater 0.35% 0.35%

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 10/31/2019 and subject to change. Fees may reduce earnings. 

Certificate, and IRA Certificates (Traditional and Roth)
Rates Effective: 5/11/20
Minimum Term $1,000 Minimum Balance
1 month 0.25% rate 0.25% APY
3 months 0.30% rate 0.30% APY
6 months 0.50% rate 0.50% APY
12 months 0.90% rate 0.90% APY
24 months 1.00% rate 1.00% APY
36 months 1.10% rate 1.10% APY
48 months 1.25% rate 1.25% APY
60 months 1.50% rate 1.51% APY

0.10% bonus with direct deposit. Failure to maintain direct deposit during the term of the Certificate will reduce the rate by 0.10%. Certificate accounts have a fixed rate. All dividends are compounded and paid monthly and/or at maturity. A penalty may be imposed for withdrawals before the maturity of a certificate: Terms less than or equal to 12 months may have a penalty equal to 90 days of dividends on the amount withdrawn; Terms greater than 12 months may have a penalty equal to 180 days of dividends on the amount withdrawn. 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. 

Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.  For more information, see the Truth in Savings Disclosure.

Rates accurate as of 5/11/2020 and subject to change. Fees may reduce earnings. 

Education Savings Account
Rates Effective: 10/31/19
Term Dividend Rate Annual Percentage Yield (APY)
6 months 0.55% 0.55%

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.  For more information, see the Truth in Savings Disclosure.

Rates accurate as of 10/31/2019 and subject to change. Fees may reduce earnings. 

HSA Rates - Health Savings Account
Rates Effective: 10/31/19
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.  For more information, see the Truth in Savings Disclosure.

Rates accurate as of 10/31/2019 and subject to change. Fees may reduce earnings. 

Contributory IRA Flex Savings
Rates Effective: 10/31/19
Contributory IRA Flex Savings 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.  For more information, see the Truth in Savings Disclosure.

Rates accurate as of 10/31/2019 and subject to change. Fees may reduce earnings. 

Contributory IRA Flex Money Market
Rates Effective: 10/31/19
Contributory IRA Flex Money Market 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.  For more information, see the Truth in Savings Disclosure.

Rates accurate as of 10/31/2019 and subject to change. Fees may reduce earnings. 

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Returning Applicant?

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.

Auto Loans – New and Used
Rates Effective: 3/11/20
New and Used 24 Months 36 Months 48 Months 60 Months 72 Months 84 Months
New (2019 and newer) with under 5,000 miles 2.24% - 19.00% 2.99% - 19.00% 3.24% - 19.00% 3.49% - 19.00% 3.74% - 19.00% 3.74% - 19.00%
Used (2013 - 2020) with 5K miles or more 2.49% - 19.00% 3.24% - 19.00% 3.49% - 19.00% 3.74% - 19.00% 3.99% - 19.00% 3.99% - 19.00%

Rates accurate as of 3/11/20 and subject to change. Loan rates on 2010 to 2012 model years are 2.00% higher than the rate for which the applicant otherwise qualifies.

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 $22.24 per month per $1,000 borrowed at 3.24% APR for 48-months
  • Pay $13.55 per month per $1,000 borrowed at 3.74% APR for 84-months
Motorcycles - New (Max. Age of 3 Model Years)
Rates Effective: 1/1/20
Loan to Value APR Loan Amount Term (Months)
61% - 80% 14.35 $2,500 to $15,000 NEW - 48
less than 60% 13.55 $2,500 to $15,000 NEW - 48
Motorcycles - Used (Max. Age of 3 Model Years)
Rates Effective: 1/1/20
Loan to Value APR Loan Amount Term (Months)
61% - 80% 15.35 $2,500 to $15,000 USED - 24
less than 60% 14.55 $2,500 to $15,000 USED - 24

Rates accurate as of 1/1/20 and subject to change. Maximum LTV is 80% plus tax, license, and all documentation/recording fees.

Minimum loan amount is $2,500.

Payment Examples:

  • Pay $27.50 per month per $1,000 borrowed at 14.35% APR for 48-months
  • Pay $48.65 per month per $1,000 borrowed at 15.35% APR for 24-months
Recreational Vehicles and Boats under 28ft
Rates Effective: 1/1/20
Loan to Value APR Loan Amount Term (Months)
61% - 80% (new) 10.95% $2,500 or more 24 - 120
less than 60% (new) 10.75% $2,500 or more 24 - 120
61% - 80% (used) 11.95% $2,500 or more 24 - 120
less than 60% (used) 11.75% $2,500 or more 24 - 120

Rates accurate as of 1/1/20 and subject to change. Maximum LTV is 80% plus tax, license, and all documentation/recording fees.

Minimum loan amount is $2,500.

Payment Examples:

  • Pay $13.75 per month per $1000 borrowed at 10.95% APR for 120 months
  • Pay $14.32 per month per $1000 borrowed at 11.95% APR for 120 months

 

Credit Cards

View rates and terms here

Personal Loans & Lines of Credit
Rates Effective: 4/24/20
Loan Type Loan Term APR Monthly Payment
Personal Loan ($500-$25,000) 12-72 months 8.20%-18.75% $17.63-$23.23 (for each $1,000 borrowed at the maximum term)
Personal Line of Credit ($1,500-$25,000) N/A 8.20%-18.75%* $25.00 or 2%**

Rates accurate as of 4/24/20 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.

Certificate-Secured Loans
Rates Effective: 4/24/20
Title APR Amount Financed Term
*Certificate-Secured Loan Certif. Rate +2% N/A Certificate Maturity

Rates accurate as of 4/24/20 and subject to change. 

Share Account Secured Loan
Rates Effective: 4/24/20
Title APR Amount Financed Term
Share Account Secured Loan 2.49% $2,500 24 to 60 months
2.99% $2,500 72 months

Rates accurate as of 4/24/20and subject to change. 

Stock Secured Loan
Rates Effective: 4/24/20
Title APR Amount Financed Term
Stock Secured Loan 10.9% Max LTV 50% of current value 24 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 4/24/20 and subject to change.

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

Home Equity Line of Credit
Rates Effective: 1/1/20
Introductory Period for Fixed Rate* Initial Fixed APR Annual Percentage Rate (APR)
12 Months As low as 2.75% As low as 2.75%
3 Years As low as 5.00% As low as 5.00%

*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%. 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 equal to the Index published at time of loan application. 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 an Exterior Drive-By Appraisal.  The Member can choose to pay for a full appraisal if desired. 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 $525 - $750. 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 1/1/20 and subject to change.

Home Equity Loan
Rates Effective: 1/1/20
Term Fixed Rate* Annual Percentage Rate (APR)
10 Years As low as 5.375% As low as 5.393%
15 Years As low as 5.500% As low as 5.512%
20 Years As low as 6.500% As low as 6.510%
30 Years As low as 6.750% As low as 6.758%

*Your rate may be higher depending on your credit score. 
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) 75% or lower loan to value (LTV)/combined loan to value (CLTV) ratio, and (c) a minimum credit score of 760. 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 loans are subject to a full appraisal. The fee for a full appraisal typically ranges from $525 - $750. 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 subject to credit approval. Rates and terms subject to change without notice.

Rates accurate as of 1/1/20 and subject to change.