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    New Year. New Opportunities.

    Dec 30, 2017

    It’s the start of a new year –– a great time to take stock of where you are, where you want to be, and how you’re going to get there. 

    Whatever goals and resolutions you make for 2018, your finances play an important role in reaching them. You need to make sure your financial plan, budget and accounts are on track with your goals.  And you want to see where you have opportunities to enhance or improve your finances. 

    The new tax law, which has received wide press coverage, contains many provisions that may impact your finance health.  Among them, I want to call your attention to this particular one:  Interest on Home Equity Loans and Lines of Credit are no longer deductible from your taxable income.  If you are considering using your home equity this year to fund a renovation, college tuition, or consolidate bills, you may want to consider other sources of cash to handle these expenses.   

    Now if you already have an outstanding balance on a Home Equity Loan or Line of Credit, you might consider refinancing your primary mortgage, and with it, consolidating your home equity loans and lines.  Interest on a primary mortgage up to $750,000 remains tax-deductible under the new tax law.  Be sure to consult your tax advisor to see how the new tax law and a home refinance might impact your overall personal situation.  However, with a low-rate KeyPoint refinance, you just might find your overall financial picture is a little brighter. 

    Here’s wishing you and your family a happy, healthy and prosperous year ahead –– full of new opportunities.

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    KeyPoint Volunteer Leadership Opportunities

    Dec 05, 2017

    Credit unions are different from other financial institutions. They operate as not-for-profit organizations and they are democratically operated.

    The volunteers who serve on KeyPoint’s Board of Directors and Supervisory Committee are unpaid and are elected from and by the membership. If you are interested in learning more about volunteer positions that help guide KeyPoint’s success, please contact Brad at by January 19, 2018.

    The KeyPoint Credit Union Annual Membership Meeting will be held on Thursday, April 26th 2018, at 5:30 pm in KeyPoint’s Community Learning Center (2805 Bowers Avenue, Santa Clara, CA). You can reserve your seat by calling (408) 731-4197, or sending an email to We’ll have door prizes and light refreshments at the meeting.

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