Loan and Credit Card Rates
You have big plans – find the loan you need with a budget-friendly interest rate
Get a credit card. Or build your credit with a special loan. Consolidate debt, pay for college or finance that project you've been thinking about for a long time. Whatever type of loan or line of credit you need, you'll find it at KeyPoint Credit Union.
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.
Personal Loans, Lines of Credit, & Debt Consolidation Loans
|
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%.
Home Improvement Loan
|
Loan Type
|
Loan Term
|
Annual Percentage Rate (APR)
|
Monthly Payment
|
|---|---|---|---|
| Home Improvement Loan ($10,000 - $100,000) | 12 – 120 months | 8.99% - 12.49% | $14.64 - $24.88 (for each $1,000 borrowed at the maximum term) |
Rates accurate as of 4/1/2026 and subject to change.
Payment Example: Pay $14.64 per month per $1,000 borrowed at 12.49% APR for 120 months
Student Loan Refinance
|
Loan Type
|
Loan Term
|
Annual Percentage Rate (APR)
|
Monthly Payment (for each $1,000 borrowed at the maximum term)
|
|---|---|---|---|
| Student Loan Fixed ($5,000 - $75,000) | 60-180 months | 4.99% - 12.99% | $7.91 - $12.65 |
| Student Loan Variable ($5,000 - $75,000) | 60-180 months | 4.99% - 12.99%* | $7.91 - $12.65 |
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.
Payment Example: Pay $18.87 per month per $1,000 borrowed at 4.99% APR for 60 months.
Certificate-Secured Loans
|
Title
|
APR
|
Amount Financed
|
Term
|
|---|---|---|---|
| *Certificate-Secured Loan | Certif. Rate +2% | N/A | Certificate Maturity |
Rates accurate as of 4/1/2026 and subject to change.
Share Account Secured Loan
|
Title
|
APR
|
Amount Financed
|
Term
|
|---|---|---|---|
| Share Account Secured Loan | 2.49% | $2,500 | 12 to 60 months |
| 2.99% | $2,500 | 72 months |
Rates accurate as of 4/1/2026 and subject to change.
Stock Secured Loan
|
Title
|
APR
|
Amount Financed
|
Term
|
|---|---|---|---|
| Stock Secured Loan | 10.9% | Max LTV 50% of current value | 12 to 60 months |
Payment Examples:
- Pay $42.76 per month per $1,000 borrowed at 2.49% APR for 24 months
- Pay $35.02 per month per $1,000 borrowed at 15.74% APR for 36 months
Ask a KeyPoint representative for a payment example on the loan type, amount and term you want.
Rates accurate as of 4/1/2026 and subject to change.
Credit Starter Loan
|
Title
|
APR
|
Amount Financed
|
Term
|
|---|---|---|---|
| Credit Starter Loan | 0% | $500 | 12 to 24 months |
Rates accurate as of 4/1/2026 and subject to change.
Payment Example: Pay $41.67 per month per $1,000 borrowed at 0% APR for 12 months
Credit Mender Loan
|
Title
|
APR
|
Amount Financed
|
Term
|
|---|---|---|---|
| Credit Mender Loan | 3.99% | $500 - $2,500 | 12 to 36 months |
Rates accurate as of 4/1/2026 and subject to change.
Payment Example: Pay $29.52 per month per $1,000 borrowed at 3.99% APR for 12 months
All loans subject to credit approval. Rate is based on creditworthiness and other factors and may be higher than the rate shown. Rates and terms subject to change without notice.