IRA_Image
Your road to retirement
Diversify your investment portfolio by choosing between Traditional and Roth IRA options.
Print Section

Retirement Central

KeyPoint Credit Union offers Traditional and Roth IRA options that provide intelligent savings features and potential tax advantages*. Check out the details of our IRAs and the competitive rates we offer compared to other Bay Area banks. If you're interested in more sophisticated retirement options, visit our Wealth Management site.

*Consult with a tax advisor for qualification requirements.

    • Compare
    • Rates

Which IRA is right for you?

  IRA Certificates IRA Flex Savings IRA Flex Money Market
Description A fixed-rate IRA with terms ranging from 1-60 months. A consistent and convenient way to build savings for your retirement in a federally-insured account. The greater your balance, the higher the interest. An attractive option for accessing your IRA funds if you’re eligible for distributions.
Interest Rates View rates View rates View rates
Minimum Opening Deposit $1,000 $100 $10,000
To Apply Open and manage your IRA by visiting KeyPoint Credit Union’s Retirement Central.
Your KeyPoint deposits are federally insured to at least $250,000 (Individual Retirement Accounts up to an additional $250,000) through the National Credit Union Administration (NCUA).
Contributory IRA Flex Savings
Rates Effective: 10/16/18
Contributory IRA Flex SavingsDividend RateAnnual Percentage Yield (APY)
$100 to $49,999.990.10%0.1000%
$50,000 or greater0.15%0.1501%
Rates as of 10/16/2018 and are subject to change.  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.
Contributory IRA Flex Money Market
Rates Effective: 10/16/18
Contributory IRA Flex Money MarketDividend RateAnnual Percentage Yield (APY)
$10,000 to $24,999.990.20%0.2002%
$25,000 to $49,999.990.25%0.2503%
$50,000 or greater0.30%0.3004%

Contributory Flex IRA accounts have a variable rate. All dividends are compounded and paid monthly. 

Rates as of 10/16/2018 and are subject to change.  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.

Certificate, and IRA Certificates (Traditional and Roth)
Rates Effective: 10/16/18
Minimum Term$1,000 Minimum Balance
1 month0.25% rate 0.2500% APY
3 months0.40% rate 0.4005% APY
6 months0.65% rate 0.6518% APY
12 months1.15% rate 1.1561% APY
24 months1.45% rate 1.4597% APY
36 months1.55% rate 1.5611% APY
48 months1.70% rate 1.7133% APY
60 months2.05% rate 2.0694% 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. 

Rates as of 10/16/2018 and are subject to change.  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.


Reset Certificate
Rates Effective: 10/16/18
Minimum Term$1,000 MINIMUM BALANCE
12 months1.25% rate 1.2571% APY
24 months1.55% rate 1.5610% 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%. All Certificates are compounded and paid monthly and/or at maturity. Certificates have fixed rates. Early withdrawal penalties apply. 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. Applicable penalties will apply to the principal balance. The stated APY assumes principal and interest remain on deposit for the term of the certificate. Interest is compounded monthly.

After account opening, you have the option to ReSet your rate one time during the initial term of your certificate by choosing your reset rate from the effective Traditional Certificate rate of the same term. Your ReSet rate will be effective from the date you contact us and may take up to one business day to process.

Certificate, and IRA Certificates (Traditional and Roth) Special
Rates Effective: 10/16/18
Minimum Term$1,000 Minimum Balance
12 months2.40% rate 2.4265% APY
24 months2.55% rate 2.5800% APY
60 months (IRA Certificates Only)3.00% rate 3.0416% APY

All Certificates are compounded and paid monthly and/or at maturity. Certificates have fixed rates. Early withdrawal penalties apply. 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. Applicable penalties will apply to the principal balance. The stated APY assumes principal and interest remain on deposit for the term of the certificate. Interest is compounded monthly. All Certificates are for new money only; they are not for existing Certificates of Deposit maturing or money transferred from an existing savings, checking or money market account.

Rates as of 10/16/2018 and are subject to change.  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.