Personal Loans & Credit Lines

Financing your needs for purchases, projects and possibilities
Apply for a Personal Loan Apply for a Credit Line
Access the money you need for a variety of purposes
Choose a lump sum loan or a line of credit, depending on your plans
Competitive rates and flexible terms help you find a budget-friendly solution
Work with local lenders committed to your financial goals

Personal financing options provide what you need

Sometimes you need some extra money to address unexpected expenses, like a major repair or large medical bill. Or maybe you have a special purchase in mind. In other cases, you might want peace of mind knowing you have a line of credit available anytime to address anything that comes your way. KeyPoint Credit Union keeps you prepared.

KeyPoint Credit Union personal loans offer flexible financing for life’s expenses, from debt consolidation to unexpected costs. Conveniently serving the San Francisco Bay Area, Santa Barbara County and beyond.

Get the financing you need, for anything
Apply for a Personal Loan Apply for a Credit Line
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Personal Loans

When you know exactly how much money you need, this loan provides funds and predictability for budgeting.

  • Borrow between $500 and $50,000
  • Receive your funds all at once
  • A fixed rate keeps your payments the same
  • Monthly payments are based on the final loan amount, rate and term

Personal Lines of Credit

Open this line of credit as overdraft protection for your checking account or to finance special projects. There's plenty of flexibility so you can address anything that pops up.

  • Revolving lines available from $1,000 to $25,000 with a variable rate
  • Pay interest only on the money you use
  • There's no cost to keep the line of credit open
  • Minimum monthly payment is $25.00 or 2% of the outstanding balance plus interest and fees (payments required only when you use your Personal Line of Credit)

Secured Loans

Looking for another alternative? Borrow from yourself using money you have on deposit while it continues to earn dividends for you. Use any of these as collateral for a loan (lines of credit not available):

Your monthly payments are based on the interest rate, loan amount and repayment term. 

Debt Consolidation Loans

See how rolling your higher-interest debt into a new KeyPoint loan can help you become debt-free.

Learn More

Documents You Need

  • Valid government issued photo ID
  • Most current paystub or tax return (if requested)
  • Social Security number
  • Valid government issued photo ID
  • Existing KeyPoint Savings or Certificate account
  • Most current paystub or tax return (if requested)
  • Social Security number
  • Most current paystub or signed offer letter
  • Valid government issued photo ID
  • Social Security number
  • Verification of residence
  • Minimum 10% down payment

Learn about the Starting Point program.

Personal Loans, Lines of Credit, Debt Consolidation Loan Rates

Effective Date: 4/1/2026
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 11.70% - 22.25%* $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 4/1/2026 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%.

Certificate-Secured Loan Rates

Effective Date: 4/1/2026
Title
APR
Amount Financed
Term
*Certificate-Secured Loan Certif. Rate +2% N/A Certificate Maturity

Share Account-Secured Loan Rates

Effective Date: 4/1/2026
Title
APR
Amount Financed
Term
Share Account Secured Loan 2.49% $2,500 12 to 60 months
2.99% $2,500 72 months

Stock-Secured Loan Rates

Effective Date: 4/1/2026
Title
APR
Amount Financed
Term
Stock Secured Loan 10.9% Max LTV 50% of current value 12 to 60 months

Frequently Asked Questions

Credit card and other loan payments can be made through Online or Mobile Banking, over the phone, or sent by mail to KeyPoint Credit Union, 2150 Trade Zone Boulevard, Suite 200, San Jose, CA 95131.

Don’t have Online Banking? Sign up today! 

Access your account online from your laptop, tablet or personal computer. Online Banking is secure, free, and available 24/7. You can also use our mobile app. After you enroll, you can take care of your banking tasks at your convenience: 

  • View current account balances and transaction details
  • View and export transaction history 
  • Pay bills
  • View check images
  • Transfer money between your own accounts, and accounts of other KeyPoint Members 
  • Send money to anyone via an email address or cell phone
  • Transfer funds between your KeyPoint accounts and your accounts at other financial institutions
  • View eStatements, eTaxes and other electronic documents 

You can also download KeyPoint's mobile app from the App Store or Google Play, and Register directly on the app.

Most loan applications are approved within the same business day that you apply.

You can apply for a loan 24/7 through KeyPoint’s convenient online loan application. Or you can apply for an auto loan, personal loan or line of credit, credit card, home loan, home equity loan or HELOC through Online Banking (Apply for Loan/Account > Loans). 

Our online mortgage application takes only ten minutes to complete, and will show you a full range of options available for your unique needs. 

You can also apply for a loan at any KeyPoint branch, or by calling (888) 255-3637.  Plus, you now have the option to sign your loan documents digitally with DocuSign on your mobile device or computer! 

KeyPoint has personal loans and lines of credit that can be used for a variety of purposes, such as consolidating bills and paying for large expenses like weddings and medical bills. 

You can apply for a loan 24/7 through KeyPoint’s convenient online loan application. Or you can apply for an auto loan, personal loan or line of credit, credit card, home loan, home equity loan or HELOC through Online Banking (Apply for Loan/Account > Loans). 

Our online mortgage application takes only ten minutes to complete, and will show you a full range of options available for your unique needs. 

You can also apply for a loan at any KeyPoint branch, or by calling (888) 255-3637.  Plus, you now have the option to sign your loan documents digitally with DocuSign on your mobile device or computer! 

Loan qualifications vary depending on the type of loan you need. The best way to find out if you qualify for a loan is to apply. There is no cost to do so, and our staff will work with you to look for ways to get your loan request approved.

You can apply for a loan 24/7 through KeyPoint’s convenient online loan application. Or you can apply for an auto loan, personal loan or line of credit, credit card, home loan, home equity loan or HELOC through Online Banking (Apply for Loan/Account > Loans). 

Our online mortgage application takes only ten minutes to complete, and will show you a full range of options available for your unique needs. 

You can also apply for a loan at any KeyPoint branch, or by calling (888) 255-3637.  Plus, you now have the option to sign your loan documents digitally with DocuSign on your mobile device or computer!

Yes, we offer student loan refinancing. Learn more about student loan refinancing.

We make it easy to stay on top of your loan — and even easier when you choose recurring electronic payments.

Preferred Payment Options:

KeyPoint Credit Union Mobile Banking is a secure, convenient way to access your accounts and pay bills anytime, anywhere, using your mobile device. 

Other Ways to Pay:

Pay from an Outside Account.  Set up electronic transfers by providing:

  • KeyPoint’s Routing Number: 321180515
  • Your KeyPoint Loan Number
  • By Mail: KeyPoint Credit Union, ATTN:  Loan Payments, 2150 Trade Zone Blvd, Suite 200, San Jose, CA 95131.  Include your loan number or payment coupon. Checks or money orders only.
  • In Person: Visit a branch near you.  Find a Location

 For principal-only payments, loan payoffs, or payments to special or restricted accounts, please contact us at [email protected] or (888) 255-3637 x4252.

If you lost your credit or debit card, please contact us immediately so we can block the card and prevent fraud on your account. You can receive a new card instantly at any KeyPoint branch! If you would like us to mail a new card, it will take three to five business days. 

Call (888) 255-3637, click the Live Chat link during operating hours, or click here to request a call back. A Member Services Representative will contact you as soon as possible. You can also find our branch locations, hours and maps on our Locations page. 

Write to us at KeyPoint Credit Union, 2150 Trade Zone Boulevard, Suite 200, San Jose, CA 95131.

KeyPoint has three great credit cards to meet your needs: A low-rate Visa® Platinum or Classic card, and a Visa® Platinum Rewards card. There is no annual fee, no balance transfer fee, no cash advance fee, and easy online access. Credit limits range from $500 to $25,000. Click here for more information or apply for a credit card online.

If you applied online, you can log back into our online application system to see if there is an updated status (although we will call or email you as soon as we have a decision). 

You can also contact us for an update!

  • Call (888) 255-3637, click the Live Chat link during operating hours, or click here to request a call back. A Member Services Representative will contact you as soon as possible. You can also find our branch locations, hours and maps on our Locations page. 
  • Write to us at KeyPoint Credit Union, 2150 Trade Zone Boulevard, Suite 200, San Jose, CA 95131.
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