Checking and Savings Rates
Build your savings and reach your financial goals with our competitive checking and savings accounts.
Whether you’re saving for the short term or the long haul, our accounts make it easy to prepare for life’s important moments—special purchases, emergencies, education, medical expenses and more.
Explore competitive savings, loan, and mortgage rates from KeyPoint Credit Union designed to help you maximize value and plan confidently. Serving the San Francisco Bay Area, Santa Barbara County and beyond.
Checking Rates
|
Title
|
Dividend Rate
|
Annual Percentage Yield (APY)
|
|---|---|---|
| Dividend Checking | 0.05% | 0.05% |
Checking accounts have variable rates. All dividends are compounded and paid monthly.
Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Rates accurate as of 4/1/2026 and subject to change. Fees may reduce earnings.
Savings Rates (Membership, Smart and Kids Savings*)
|
Savings Account Balance
|
Dividend Rate
|
Annual Percentage Yield (APY)
|
|---|---|---|
| Less than $49,999.99 | 0.05% | 0.05% |
| $50,000 or greater | 0.10% | 0.10% |
* Kids Savings Account must have a financially responsible adult joint owner on account.
Savings accounts have variable rates. All dividends are compounded and paid monthly.
Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Rates accurate as of 4/1/2026 and subject to change. Fees may reduce earnings.
QuickStart Savings
|
QuickStart Savings Balance
|
Dividend Rate
|
Annual Percentage Yield (APY)
|
|---|---|---|
| Up to $2,000 | 0.50% | 0.50% |
| $2,001 to $5,000 | 0.25% | 0.50% - 0.35% |
| $5,001 to $10,000 | 0.10% | 0.35% - 0.23% |
| $10,001 to $50,000 | 0.10% | 0.23% - 0.13% |
| More than $50,000 | 0.10% | 0.13% - 0.10% |
No minimum balance required. First $5,000 deposited must be savings not currently at KeyPoint. To qualify for these rates, must have active checking account. Active Checking is defined as a checking account having at least three transactions (deposits, withdrawals, debit card transactions) per month. Posting of earnings do not apply. One account per member. To determine the blended APY for custom dollar amounts, please use the QuickStart Calculator.
Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Rates accurate as of 4/1/2026 and subject to change. Fees may reduce earnings.
Money Market Rates - Individual
|
Money Market Account Balance
|
Dividend Rate
|
Annual Percentage Yield (APY)
|
|---|---|---|
| $1,000 to $9,999.99 | 0.05% | 0.05% |
| $10,000 to $24,999.99 | 0.10% | 0.10% |
| $25,000 to $49,999.99 | 0.15% | 0.15% |
| $50,000 or greater | 0.20% | 0.15% |
Balances under $1,000 will earn the regular savings rate. Money Marketing accounts have variable rates. All dividends are compounded and paid monthly.
Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Rates accurate as of 4/1/2026 and subject to change. Fees may reduce earnings.
Performance Money Market
|
Performance Money Market Balance
|
Dividend Rate
|
Annual Percentage Yield (APY)
|
|---|---|---|
| $0 to $24,999.99 | 0.50% | 0.50% |
| $25,000 to $49,999.99 | 0.75% | 0.75% |
| $50,000 to $99,999.99 | 1.25% | 1.26% |
| $100,000 to $249,999.99 | 1.75% | 1.76% |
| $250,000 to $499,999.99 | 2.00% | 2.02% |
| $500,000 or greater | 2.25% | 2.27% |
The minimum balance to open the Performance Money Market Account is $25,000. Twenty five percent (25%) of funds needs to be new money (not transferred from another KeyPoint account). Money Market accounts have variable rates. All dividends are compounded and paid monthly. Rates accurate as of 4/1/2026 and subject to change. Fees may reduce earnings.
Certificate and IRA Certificates (Traditional and Roth)
|
Minimum Term
|
Annual Percentage Yield (APY)
|
|---|---|
| 3 months | 1.98% rate 2.00% APY |
| 6 months | 2.47% rate 2.50% APY |
| 12 months | 2.72% rate 2.75% APY |
| 24 months | 2.72% rate 2.75% APY |
| 36 months | 2.47% rate 2.50% APY |
| 48 months | 2.47% rate 2.50% APY |
| 60 months | 2.72% rate 2.75% APY |
0.10% bonus with direct deposit. The displayed Rate and APY do not reflect the 0.10% bonus. Failure to maintain direct deposit during the term of the Certificate will reduce the rate by 0.10%, if the bonus is applied. 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. Members must notify the Credit Union during the certificate renewal period for the 0.10% direct deposit bonus to be applied on the renewed certificate.
Rates accurate as of 4/7/2026 and subject to change. Fees may reduce earnings.
Promotional Certificate and IRA Certificate (Traditional and Roth)
|
Minimum Term
|
Annual Percentage Yield (APY)
|
|---|---|
| 5 months* | 3.30% rate 3.35% APY |
| 12 months | 3.30% rate 3.35% APY |
This promotional certificate is compounded and paid monthly and/or at maturity. Certificate has fixed rates. Early withdrawal penalties apply. Certificate 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 will be closed. Applicable penalties will apply to the principal balance.
* You may make penalty-free withdrawals 7 or more days after account opening. The stated APY assumes principal and interest remain on deposit for the term of the certificate. KeyPoint New money only—this certificate cannot be funded with money already in a KeyPoint account.
To join KeyPoint, you must be an eligible person in KeyPoint Credit Union’s field of membership.
Rates accurate as of 4/1/2026 and subject to change. Fees may reduce earnings.
Educational Savings Account
|
Term
|
Dividend Rate
|
Annual Percentage Yield (APY)
|
|---|---|---|
| 6 months | 0.25% | 0.25% |
Educational Savings Accounts have a fixed rate and minimum $25 balance. All dividends are compounded and paid monthly and/or at maturity.
Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Rates accurate as of 4/1/2026 and subject to change. Fees may reduce earnings.
Health Savings Account Rates
|
Minimum Balance
|
Dividend Rate
|
Annual Percentage Yield (APY)
|
|---|---|---|
| Any balance | 0.25% | 0.25% |
Savings accounts have variable rates. All dividends are compounded and paid monthly.
Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Rates accurate as of 4/1/2026 and subject to change. Fees may reduce earnings.
Contributory IRA Flex Savings
|
Contributory IRA Flex Savings Balance
|
Dividend Rate
|
Annual Percentage Yield (APY)
|
|---|---|---|
| $100 to $49,999.99 | 0.10% | 0.10% |
| $50,000 or greater | 0.15% | 0.15% |
Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Rates accurate as of 4/1/2026 and subject to change. Fees may reduce earnings.
Contributory IRA Flex Money Market
|
Contributory IRA Flex Money Market Balance
|
Dividend Rate
|
Annual Percentage Yield (APY)
|
|---|---|---|
| $10,000 to $24,999.99 | 0.20% | 0.20% |
| $25,000 to $49,999.99 | 0.25% | 0.25% |
| $50,000 or greater | 0.30% | 0.30% |
Contributory Flex IRA accounts have a variable rate. All dividends are compounded and paid monthly.
Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
Rates accurate as of 4/1/2026 and subject to change. Fees may reduce earnings.