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% | 0.20% |
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)
|
Standard Term
|
Dividend Rate
|
Annual Percentage Yield (APY)
|
|---|---|---|
| 3 Months | 1.98% | 2.00% |
| 6 Months | 2.47% | 2.50% |
| 12 Months | 2.72% | 2.75% |
| 24 Months | 2.72% | 2.75% |
| 36 Months | 2.47% | 2.50% |
| 48 Months | 2.47% | 2.50% |
| 60 Months | 2.72% | 2.75% |
Fixed rates. Dividends compound and are paid monthly and/or at maturity. APYs accurate as of 10/13/2026 and assume principal and dividends stay on deposit for the full term. $500 minimum balance to open, maintain, and earn dividends on standard and special term certificates. Early withdrawal penalties apply. Standard Term Certificates qualify for a dividend rate bonus of 0.10% if member maintains a monthly recurring direct deposit of at least $500 of net pay, social security or other retirement income for full certificate term. Members must request dividend rate bonus during grace period that follows maturity.
Promotional Certificate and IRA Certificate (Traditional and Roth)
|
Special Term
|
Dividend Rate
|
Annual Percentage Yield (APY)
|
|---|---|---|
| 5 Month* | 3.69% | 3.75% |
|
Special Term
|
Dividend Rate
|
Annual Percentage Yield (APY)
|
|---|---|---|
| 12 Month Tiered** | ||
| Days 1–90: first $2,500 | 6.785% | 7.00% |
| Days 1–90: balance over $2,500 | 3.928% | 4.00% |
| Day 91 to maturity: full balance | 3.928% | 4.00% |
NEW MONEY ONLY: Special Certificates cannot be funded with money already at KeyPoint.
* Special 5-Month Certificate: penalty-free withdrawals allowed 7 or more days after opening.
** Limited to one Special 12-Month Tiered Certificate per member, determined by member and tax ID number.
Fixed rates. Dividends compound and are paid monthly and/or at maturity. APYs accurate as of 10/13/2026 and assume principal and dividends stay on deposit for the full term. $500 minimum balance to open, maintain, and earn dividends. Early withdrawal penalties apply.
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.