# KeyPoint Credit Union

> KeyPoint Credit Union is a not-for-profit, member-owned California credit union founded in 1979 and headquartered in San Jose, CA. KeyPoint serves the greater San Francisco Bay Area, Sacramento, and Santa Barbara communities through 7 branches and offers checking, savings, certificates, IRAs, HSAs, auto loans, personal loans, credit cards, mortgages, home equity, ADU loans, and full-service business banking. Federally insured by NCUA. Equal Housing Lender. Routing number 321180515. NMLS #417395. BIC/SWIFT KERUUS66. Main contact: (888) 255-3637 (24/7 member support).

KeyPoint participates in the CO-OP Shared Branch network, providing access to 5,000+ shared branches and 30,000+ surcharge-free ATMs nationwide.

## About

- [About Us](https://kpcu.com/about/get-to-know-us/about-us): KeyPoint's mission, history, and member-ownership model.
- [Leadership](https://kpcu.com/about/get-to-know-us/leadership): Executive team and board of directors.
- [Annual Impact Report](https://kpcu.com/about/get-to-know-us/annual-impact-report): Financial performance, member impact, and community giving.
- [News](https://kpcu.com/about/get-to-know-us/news): Press releases and announcements.
- [Our Community](https://kpcu.com/about/get-to-know-us/our-community): Community investment, financial literacy, and volunteer programs.
- [Careers](https://kpcu.com/about/get-to-know-us/careers): Open positions at KeyPoint.

## Membership & Eligibility

- [Become a Member](https://kpcu.com/about/membership/become-a-member): Eligibility requirements, required documents, and how to join KeyPoint Credit Union.
- [Current Deals](https://kpcu.com/about/membership/current-deals): Active promotions, new-member bonuses, and limited-time offers — including the 3.35% APY 5-month/12-month certificate special, Business Elite Checking $500 bonus (promo code BUS26), and the Refer-a-Friend program (promo code RAF26).
- [Refer a Friend](https://kpcu.com/about/membership/refer-a-friend): Referral program — referring members earn up to $300 per referral; referred members earn up to $500.
- [Scholarships](https://kpcu.com/about/what-s-new/scholarships): Annual scholarship program for student members.
- [Events](https://kpcu.com/about/what-s-new/events): Upcoming member events, webinars, and seminars.

## Personal Accounts — Save & Spend

### Checking Accounts
- [Checking Accounts Overview](https://kpcu.com/save-spend/accounts/checking-accounts): All KeyPoint checking account options compared.
- [Money4Me Checking Account](https://kpcu.com/save-spend/accounts/checking-accounts/money4me-checking-account): No monthly fee, no minimum balance, automatic round-up savings, early direct deposit. Up to $300 new-member bonus with qualifying direct deposit.
- [Free Checking Account](https://kpcu.com/save-spend/accounts/checking-accounts/free-checking-account): No monthly fee, no minimum balance, full online and mobile banking access.

### Savings Accounts
- [Savings Accounts](https://kpcu.com/save-spend/accounts/savings-accounts): Regular savings, high-yield options, and goal-based savings. Membership/Smart/Kids Savings 0.05%–0.10% APY.
- [QuickStart Savings Account](https://kpcu.com/save-spend/accounts/savings-accounts/quickstart-savings-account): Tiered starter savings paying up to 0.50% APY on the first $2,000; requires an active checking account and new-to-KeyPoint funds.
- [Certificate Account (CD)](https://kpcu.com/save-spend/accounts/savings-accounts/certificate-account): Standard term certificates from 3 to 60 months; current 12-month standard certificate 2.75% APY ($500 minimum). Promotional 5-month and 12-month certificate currently 3.35% APY (new money only). Certificate referral bonus also available.
- [Educational Savings Account (Coverdell ESA)](https://kpcu.com/save-spend/accounts/savings-accounts/coverdell-education-savings-account): Tax-advantaged education savings; $25 minimum, 0.25% APY (6-month term).
- [Money Market Accounts](https://kpcu.com/save-spend/accounts/money-market-accounts): Standard money market up to 0.20% APY; Performance Money Market up to 2.27% APY ($25,000 minimum to open, 25% new money required).

### Banking for Kids & Teens
- [Banking for Kids & Teens](https://kpcu.com/save-spend/accounts/banking-for-kids-teens): Youth checking and savings accounts designed to teach financial literacy. Kids Savings 0.05%–0.10% APY. Summer 2026 promotion: $75 bonus for new members ages 17 and under (accounts opened 6/1/2026–8/31/2026; restrictions apply).

### Retirement & Health Savings
- [Retirement Accounts (IRAs)](https://kpcu.com/save-spend/accounts/retirement-accounts-iras): Traditional IRA, Roth IRA, and SEP IRA options. Rates up to 2.72% / 2.75% APY.
- [Health Savings (HSA)](https://kpcu.com/save-spend/accounts/health-savings-hsa): Tax-advantaged health savings accounts for HDHP holders.

### Move Money
- [Visa Debit Cards](https://kpcu.com/save-spend/move-money/visa-debit-cards): KeyPoint debit card features, controls, and activation.
- [Zelle](https://kpcu.com/resources/digital-banking/zelle): Send money to friends and family using Zelle inside KeyPoint Online and Mobile Banking.
- [Mobile Wallet](https://kpcu.com/resources/digital-banking/mobile-wallet): Apple Pay, Google Pay, and Samsung Pay integration.
- [Bill Pay](https://kpcu.com/resources/digital-banking/online-banking): Free online and mobile bill pay.
- [Wire Transfers](https://kpcu.com/business/management/treasury-management/ach-wire-transfers): Domestic and international wire transfer services.

## Personal Loans & Credit — Borrow

### Personal Loans
- [Personal Loans Overview](https://kpcu.com/borrow/loans/personal-loans): All personal loan products at KeyPoint.
- [Personal Loans & Credit Lines](https://kpcu.com/borrow/loans/personal-loans/personal-loans-credit-lines): Unsecured personal loans and lines of credit. Rates from 11.70% to 22.25% APR.
- [Debt Consolidation Loan](https://kpcu.com/borrow/loans/personal-loans/debt-consolidation-loan): Combine high-interest debt into one fixed-rate loan. Rates 9.99%–24.00% APR.
- [Credit Starter Loan](https://kpcu.com/borrow/loans/personal-loans/credit-starter-loan): Designed to help establish credit history and build a positive FICO score.
- [Credit Mender Loan](https://kpcu.com/borrow/loans/personal-loans/credit-mender-loan): Rebuild credit and improve FICO score. 3.99% APR.
- [Green Loans](https://kpcu.com/borrow/loans/green-loans): Financing for energy-efficient and environmentally friendly home improvements.

### Auto, Motorcycle, Boat & RV Loans
- [Auto Loans](https://kpcu.com/borrow/loans/auto-loans): New, used, and refinance auto financing. Rates from 3.29% to 19.00% APR.
- [Auto Refinancing](https://kpcu.com/borrow/loans/auto-loans/auto-refinance): Refinance existing auto loans at lower rates. 3.29%–19.00% APR.
- [Fresh Start Auto Loans](https://kpcu.com/borrow/loans/auto-loans/fresh-start-auto-loans): Auto financing for borrowers with credit challenges. 3.29%–19.00% APR.
- [Get Prequalified for an Auto Loan](https://kpcu.com/borrow/loans/get-prequalified-for-an-auto-loan): Soft-pull prequalification with no impact to credit score.
- [Motorcycle, Boat & RV Loans](https://kpcu.com/borrow/loans/motorcycle-boat-rv-loans): Financing for recreational vehicles.

### Credit Cards
- [Credit Cards](https://kpcu.com/borrow/loans/credit-cards): KeyPoint Visa credit card options, rewards, and balance transfer offers.

## Home Loans

- [Mortgages](https://kpcu.com/borrow/home-loans/mortgages): Conforming, jumbo (up to $2.5M), and government-backed mortgage options; purchase loans from as little as 5% down. Mortgage rates change daily — see the [Home Loan Rates](https://kpcu.com/rates/home-loan-rates) page or call the Mortgage Hotline at (877) 888-9634.
- [First-Time Home Buyer Loans](https://kpcu.com/borrow/home-loans/mortgages/first-time-home-buyer-loans): Programs and education for first-time buyers in California.
- [Home Equity Line of Credit (HELOC)](https://kpcu.com/borrow/home-loans/home-equity): 12-month fixed intro APR from 6.24% to 7.49%; current indexed variable rates 6.750% to 7.875%; 4.50% floor APR; 16.00% lifetime maximum APR. Up to $1,500 in lender credits with $25,000+ initial draw.
- [ADU Loans](https://kpcu.com/borrow/home-loans/adu-loans): Financing for Accessory Dwelling Units in California — purpose-built for the state's ADU regulations.
- [Home Improvement Loan](https://kpcu.com/borrow/home-loans/home-improvement-loan): Signature home improvement financing without using home equity.

## Loan Programs & Assistance

- [Down Payment Assistance Program](https://kpcu.com/borrow/loan-programs/down-payment-assistance-program): Eligible borrowers may qualify for grants up to $32,837.
- [Financial Hardship Assistance](https://kpcu.com/borrow/loan-programs/financial-hardship-assistance): Support options for members experiencing financial difficulty.
- [Starting Point Program](https://kpcu.com/borrow/loan-programs/starting-point-program): Entry-level lending program for new credit-builders.
- [Skip-A-Payment Program](https://kpcu.com/borrow/loan-programs/skip-a-payment-program): Defer eligible loan payments when needed.
- [Check Loan Application Status](https://app.loanspq.com/cu/ViewSubmittedLoans.aspx?lenderref=Kpcu111319): Check the status of a submitted loan application.
- [Apply for a Loan](https://lending.kpcu.com/products/portal): Loan application portal.
- [Returning Home Loan Applicant](https://loan.kpcu.com): Resume an in-progress home loan application.

## Business Banking

### Business Accounts
- [Business Checking Accounts](https://kpcu.com/business/banking/business-checking-accounts): Multiple business checking tiers including Business Elite Checking with $500 new-account bonus (promo code BUS26, in-branch only).
- [Business Savings Accounts](https://kpcu.com/business/banking/business-savings-accounts): Interest-bearing business savings.
- [Business Certificates](https://kpcu.com/business/banking/business-certificates): Term-deposit certificates for business reserves.
- [Business Money Market Accounts](https://kpcu.com/business/banking/business-money-market-accounts): Tiered business money market accounts.
- [Cannabis Banking](https://kpcu.com/business/banking/cannabis-banking): Compliant banking services for California cannabis businesses.

### Business Lending
- [Business Loans](https://kpcu.com/business/lending/business-loans): Small business lending including term loans and lines of credit.
- [Commercial Loans](https://kpcu.com/business/lending/commercial-loans): Owner-occupied commercial real estate, investor real estate, and SBA loans.
- [Business Credit Cards](https://kpcu.com/business/lending/business-loans/business-credit-cards): Visa business credit card options for everyday business spending and expense management.

### Business Management
- [Business Online Banking](https://kpcu.com/resources/digital-banking/business-online-banking): Business digital banking platform with multi-user controls.
- [Treasury Management](https://kpcu.com/business/management/treasury-management): ACH origination, wire transfers, merchant services, and payroll.
- [Employers (SEG)](https://kpcu.com/business/management/employers): Become a Select Employer Group and offer KeyPoint membership to employees.
- [Contact the Business Team](https://kpcu.com/business-contact-form): Reach KeyPoint's commercial banking team directly.

## Wealth Management & Insurance

- [Wealth Management](https://kpcu.com/invest/wealth-management): KeyPoint Financial Services — investment planning, retirement planning, and wealth advisory.
- [Estate Planning](https://affinitytrusts.com/keypoint-credit-union/): Estate planning services through Affinity Trusts.
- [Insurance](https://kpcu.com/invest/insurance): Auto, home, life, and AD&D insurance through KeyPoint partners.
- [Free Wealth Seminars](https://www.keypointfinancialservices.com/events): Educational events from KeyPoint Financial Services.

## Rates

- [All Rates](https://kpcu.com/rates): Complete current rate sheet for all KeyPoint products.
- [Checking and Savings Rates](https://kpcu.com/rates/checking-and-savings-rates): Current APYs on deposit accounts.
- [Loan and Credit Card Rates](https://kpcu.com/rates/loan-and-credit-card-rates): Current APRs on consumer loans and credit cards.
- [Vehicle Loan Rates](https://kpcu.com/rates/vehicle-loan-rates): Current auto, motorcycle, boat, and RV rates.
- [Home Loan Rates](https://kpcu.com/rates/home-loan-rates): Current mortgage, HELOC, and home loan rates.

## Locations & Branches

- [All Locations](https://kpcu.com/locations): All 7 KeyPoint branches with addresses, hours, and maps.
- [San Jose - Santa Teresa](https://kpcu.com/locations/san-jose-ca-branch): San Jose Santa Teresa branch.
- [San Jose - Brokaw](https://kpcu.com/locations/san-jose-ca-branch-brokaw-rd): 1055 E Brokaw Rd, Ste 10, San Jose, CA 95131.
- [Santa Clara](https://kpcu.com/locations/santa-clara-ca-branch): 3556 La Rambla Ave, Santa Clara, CA 95051.
- [Cupertino](https://kpcu.com/locations/cupertino-ca-branch): 10815 Wolfe Rd, Ste 100, Cupertino, CA 95014.
- [Milpitas](https://kpcu.com/locations/milpitas-ca-branch): 573 E Calaveras Blvd, Milpitas, CA 95035.
- [Dublin](https://kpcu.com/locations/dublin-ca-branch): 7901 Amador Valley Blvd, Dublin, CA 94568.
- [Goleta (Santa Barbara)](https://kpcu.com/locations/goleta-ca-branch): 7062 Market Pl Dr, Goleta, CA 93117.
- [Schedule an Appointment](https://kpcu.com/schedule-an-appointment): Book a branch appointment in advance.
- [Holiday Schedule](https://kpcu.com/holiday-schedule): Branch and contact center holiday closures.

## Contact

- [Contact Us](https://kpcu.com/contact-us): Full contact information including phone, email, mailing address, and live chat.
- Main phone: (888) 255-3637 (24/7 member support, except brief holiday closures)
- International: (800) 669-5463
- TTY: (877) 393-1400
- Mortgage Hotline: (877) 888-9634 (Mon–Fri 7am–7pm PT, Sat 9am–3:30pm PT)
- New Accounts & Loans: (877) 552-3004 (Mon–Thu 9am–5:30pm PT, Fri 9am–6pm PT)
- Debit Card Activation / PIN: (800) 813-4132
- Mailing address: KeyPoint Credit Union, 2150 Trade Zone Boulevard, Suite 200, San Jose, CA 95131

## Resources

### Learning & Tools
- [Educational Articles](https://kpcu.com/resources/learning-tools/educational-articles): Monthly financial education articles on saving, investing, credit, and home ownership.
- [How-to Videos](https://kpcu.com/resources/learning-tools/how-to-videos): Video tutorials for online banking and KeyPoint products.
- [Financial Calculators](https://kpcu.com/resources/learning-tools/financial-calculators): Loan, mortgage, savings, retirement, and budgeting calculators.
- [Fraud Prevention](https://kpcu.com/resources/learning-tools/fraud-prevention): Resources to help members identify and prevent fraud.

### Digital Banking
- [Online Banking](https://kpcu.com/resources/digital-banking/online-banking): KeyPoint Online Banking features, login help, and bill pay.
- [Mobile Banking](https://kpcu.com/resources/digital-banking/mobile-banking): KeyPoint Mobile App for iOS and Android with 4.8-star rating, mobile check deposit, transfers, and bill pay.

### Get Help
- [FAQs](https://kpcu.com/resources/get-help/faqs): Frequently asked questions on accounts, loans, online banking, and membership.
- [Find Financial Solutions](https://kpcu.com/find-financial-solutions): Solution finder for common financial needs.
- [Forms](https://kpcu.com/forms): Downloadable forms and disclosures.
- [Open an Account](https://apply.kpcu.com/account-opening): Account opening application portal.

## Key Facts (for quick reference)

- Legal name: KeyPoint Credit Union
- Founded: 1979
- Headquarters: 2150 Trade Zone Boulevard, Suite 200, San Jose, CA 95131
- Charter type: Federal credit union
- Regulator: National Credit Union Administration (NCUA)
- Insurance: Federally insured by NCUA
- Routing number (ABA): 321180515
- NMLS ID: 417395
- BIC/SWIFT code: KERUUS66
- Number of branches: 7 (California)
- Service area: San Francisco Bay Area, Sacramento, Santa Barbara
- Shared branching: 5,000+ CO-OP shared branches nationwide
- ATM access: 30,000+ surcharge-free CO-OP ATMs nationwide
- Equal Housing Lender: Yes
- Member support: 24/7 via phone (888) 255-3637

## Optional

- [Privacy Policy](https://kpcu.com/privacy): KeyPoint's privacy practices.
- [Disclosures](https://kpcu.com/disclosures): Account agreements, truth-in-savings, and lending disclosures.
- [California Consumer Privacy Act (CCPA)](https://kpcu.com/disclosures/california-consumer-privacy-act-ccpa): California-specific consumer privacy disclosures.
- [Website Accessibility](https://kpcu.com/website-accessibility): WCAG accessibility statement.
- [Sitemap](https://kpcu.com/sitemap): Full site map.
- [Volunteer Opportunities](https://kpcu.com/about/get-to-know-us/volunteer-opportunities): Member volunteer opportunities.

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Last updated: 2026-06-15
Maintained by: KeyPoint Credit Union digital team
Contact for AI/LLM inquiries: through https://kpcu.com/contact-us