FAQs

KeyPoint offers low rates on loans, high rates on savings, and low fees. At your member-owned financial institution, you’ll save money AND enjoy personal service! To learn more about our current fees, please call our contact center at (888) 255-3637.

• Checking & Savings Rates 
• Loan & Credit Card Rates
• Vehicle Loan Rates
• Mortgage Rates 

Notify us immediately at (888) 255-3637 so we can block your card and prevent further fraud. We will mail you a new card(s), or you can get a replacement instantly at any KeyPoint branch. Or complete and submit a Cardholder Dispute Form so we can research the unauthorized transaction(s).

You can always find our current certificate rates on our Rates page. For information on account and service fees, please call our contact center at (888) 255-3637.

Ready to open a certificate?

Your saving goals, long and short term, are important to us! Whatever your goal, KeyPoint can help get you there. We offer regular certificates and IRA certificates!

Click here to see certificate details and apply for a certificate today.

An IRA (Individual Retirement Account) is basically a savings account intended to be used when you retire.

KeyPoint has Traditional and Roth IRA options that provide intelligent savings with tax-deferred or tax-free advantages*. 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). 

*Consult with a tax advisor for qualification requirements. 

A penalty may be imposed for withdrawals before the maturity of a certificate account.

• If your account has an original maturity of 12 months or less, the penalty we may impose will equal 90 days dividends on the amount withdrawn subject to penalty.
• If your account has an original maturity of more than 12 months, the penalty we may impose will equal 180 days dividends on the amount withdrawn subject to penalty.

In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. Other exceptions may also apply, for example, if this is part of a required mandatory distribution from an IRA or other tax-deferred savings plan.

Withdrawal of Dividends Prior to Maturity

The annual percentage yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings.

Certificate Rates

In order to close your account, we must first confirm your identity. Call (888) 255-3637, Live Chat (the link is in the top right corner of our website) or visit any Branch location.

Are you moving out of the area?

No need to close your account! We offer free remote banking options as well as more than 5,000 shared branch locations for your convenience. If you can’t visit one of our local branches, speak with a live KeyPoint Member Service Representative by calling (888) 255-3637 or use our Live Chat at the bottom of the page. Don't miss out on our Member benefits.