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    The KPCU Advantage

    Jun 21, 2018

    I’m often asked, what makes KeyPoint special? How is it any different from a bank? And my answer often surprises the person asking because it sounds too good to be true. 

    As a not-for-profit credit union, our goal is to Improve the lives of our Members. We focus on keeping rates on loans low and paying the highest rates possible on savings. Rather than adding more fees, we look for new ways to reduce or eliminate them completely. 

    We provide smart financial solutions –– through innovative products and services that our Members can access anywhere, like our highly-rated mobile app. 

    In addition to helping Members save money, we also focus on helping them make smart financial decisions — with personal guidance from our skilled team of professionals –– and free financial education programs and seminars like Smart Estate Planning, New Home Buying and Long-Term Care Options. 

    KeyPoint also embraces community advocacy. We’re committed to social responsibility, so we’re continually expanding our outreach in the communities we serve –– through financial literacy programs for kids and young adults, and special support for under-privileged youth. 

    All in all, we strive to deliver Member excellence –– by anticipating your needs, so we can deliver exceptional personalized service to meet them.  

    So, the next time someone asks you why you’re a KeyPoint Credit Union Member, tell them — and invite them to join the financial services leader that puts Members first.

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    Meet our new Chief Retail Officer

    Feb 27, 2018

    One of the ways we’ve made KeyPoint Credit Union a financial services leader is by hiring the best and the brightest. From the branch banking team to senior leadership, we look for skilled professionals who are not only financial services professionals –– but also understand and value the credit union mission: helping members reach their goals.  

    I’m delighted to introduce an exciting addition to the KeyPoint team: Andy Ramos, our new Chief Retail Officer. As CRO, Andy will oversee our branch network, wealth management group, account operations, business development and marketing groups –– helping us build on our strengths and take KeyPoint to the next level. 

    Andy joins us from Redwood Credit Union, where he spent over 15years in several executive positions –– helping it grow to more than $4 billion in assets.  He’s passionate about helping members succeed. So, you can expect him to champion new product, service and operational enhancements that will improve your banking experience –– and draw new members to the KeyPoint family.

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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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    So much to be thankful for

    Nov 21, 2017

    It’s easy to take the people and things in our lives for granted –– our families, friends, jobs, good health.  And we don’t even realize we’re doing it until they’re not there anymore. 

    I was reminded of this recently, talking with people who were impacted by the devastating fires in Sonoma, Napa and Solano counties.  Some lost their homes –– burned to the ground, reduced to a pile of rubble.  Others were evacuated for a week or more, not knowing if they would have a home or a neighborhood to come back to.  Yet, they were all grateful.  Those evacuated had a new appreciation for what they almost lost.  And even the ones who lost everything were grateful to have made it out alive with their families and pets. 

    We often focus on the things in life we want or feel we’re missing –– more money, a new car, a bigger house, a job promotion.  And there’s nothing wrong with that.  Having goals and working toward them are important to achieving the life we want. 

    But it’s equally as important to be grateful for everything we already have in our lives –– our families, homes, good health, jobs, friends.  By appreciating what we have and not taking anything in our lives for granted, we gain a sense of satisfaction and see the glass of our lives as half full, rather than half empty.  

    Personally, I’m grateful for my wonderful family and circle of friends, and for a job that gives me the opportunity to do what I love doing most:  helping people succeed financially.  I’m proud to work at a respected financial institution that does so many great things for so many wonderful members. 

    So this Thanksgiving, I invite you to take time to reflect on all the people and things in your life you’re grateful for –– everything you would miss if it all went up in smoke.  Gratitude for what we have is a wonderful feeling –– and it opens the door to more abundance and prosperity in the future. 

    Wishing you and your family a Thanksgiving Holiday filled with gratitude and joy.

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    The Equifax Cyber Security Breach

    Oct 03, 2017

    Protecting your accounts and personal information are top priorities for us at KeyPoint Credit Union.  So, I want to make sure you’re aware that one of the three national credit reporting agencies –– Equifax –– recently announced they experienced a serious cyber security breach –– potentially impacting the personal information of hundreds of millions of U.S. consumers.  This data breach occurred between mid-May and July of this year, and was limited only to Equifax. 

    Find out if you were impacted

    Even though this data breach was not in any way related to KeyPoint Credit Union, I strongly advise you to find out if you or your family were impacted.  You can find out by going to a special website provided by Equifax –– at  If you were impacted, Equifax will provide free credit monitoring to help prevent fraudulent activity on your credit accounts.  (If you decide to participate in this monitoring service, read the terms and conditions carefully –– so you know what to expect.) 

    What you can do to help prevent fraud

    Here are some ways you can help prevent fraudulent misuse of your KeyPoint accounts and personal information:

    • Put a password on your account. This password will be requested when you conduct business with KeyPoint at a branch or over the phone.  To set up your password, call 1-888-255-3637 or visit any KeyPoint branch
    • Enroll in KeyPoint mobile and online banking alerts to monitor account activity 24/7.
    • Download the KeyPoint mobile app from the Apple App Store or Google Play to review your accounts –– whether you’re at home or traveling.
    • Notify us immediately if you think your KeyPoint account may be at risk –– call 1-888-255-3637.
    • Review your statements for accuracy or anything suspicious.
    • Check your credit report annually. You can get a free annual credit report from all three credit reporting agencies at
    • Consider putting a “freeze” on your credit—to prevent any new credit accounts from being opened in your name.  To learn more, visit the Federal Trade Commission site.
    • Monitor your FICO® score in KeyPoint’s online or mobile banking. 


    If you’d like more information about the Equifax Cyber Security Breach or how we safeguard your personal information and prevent fraud at KeyPoint, stop by any branch or call us at (888) 255-3637.  You can also visit our Fraud & Security page.   

    At KeyPoint Credit Union, we’re committed to protecting your accounts and personal information with the most advanced technology available today.



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