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Low rates, high dividends
Find out the current rates on KeyPoint’s loans, savings and deposit products.
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Rates

    • Checking, Savings, Certificates & IRAs
    • Consumer Loans
    • Home Loans
Checking Rates
Rates Effective: 10/16/18
TitleDividend RateAnnual Percentage Yield (APY)
Dividend Checking0.05%0.0500%

Checking accounts have variable rates. 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

Savings Rates
Rates Effective: 10/16/18
Savings Account BalanceDividend RateAnnual Percentage Yield (APY)
Less than $49,999.990.05%0.0500%
$50,000 or Greater0.10%0.1000%
Savings accounts have variable rates. 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.
High Yield Savings Account
Rates Effective: 10/16/18
High Yield Savings BalanceDividend RateAnnual Percentage Yield (APY)
Less than $25,0000.20%0.2002%
$25,000 to $49,999.990.25%0.2503%
$50,000 to $99,999.990.30%0.3004%
$100,000 or greater0.35%0.3506%
 High Yield Savings Accounts have variable rates. 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.
Money Market Rates - Individual
Rates Effective: 10/16/18
Money MarketDividend RateAnnual Percentage Yield (APY)
$1,000 to $9,999.990.20%0.2002%
$10,000 to $24,999.990.25%0.2503%
$25,000 to $49,999.990.30%0.3004%
$50,000 or greater0.35%0.3506%
Balances under $1,000 will earn the regular savings rate. Money Marketing accounts have variable rates. 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.
Premier Money Market Rates - Individual
Rates Effective: 10/16/18
Premier Money MarketDividend RateAnnual Percentage Yield (APY)
$5,000 or greater1.65%1.6625%
Balances under $5,000 will earn the regular savings rate. Premier Money Marketing accounts have variable rates. 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.
Money Market Rates – Business
Rates Effective: 8/8/18
Money MarketDividend RateAnnual Percentage Yield (APY)
$1,000 to $9,999.990.20%0.2002%
$10,000 to $24,999.990.25%0.2503%
$25,000 to $49,999.990.30%0.3004%
$50,000 or greater0.35%0.3506%
Balances under $1,000 will earn the regular savings rate. Money Marketing accounts have variable rates. All dividends are compounded and paid monthly. 

Rates as of 8/8/2018 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.

Education Savings Account
Rates Effective: 10/16/18
TermDividend RateAnnual Percentage Yield (APY)
6 months0.55%0.5514%
Educational Savings Accounts have a fixed rate and minimum $25 balance. All dividends are compounded and paid monthly and/or at maturity. 

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.
HSA Rates - Health Savings Account
Rates Effective: 10/16/18
Minimum BalanceDividend RateAnnual Percentage Yield (APY)
Any balance0.25%0.2503%
Savings accounts have variable rates. 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.
 
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.

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.



Auto Loans – New and Used
Rates Effective: 10/16/18
New and Used24 - 48 months49 - 66 months67 - 84 months
New (2017 and newer) with under 5,000 miles2.99%* to 19.00%*3.24%* to 19.00%*3.74%* - 19.00%*
Used (2011 - 2018) with 5K miles or more3.24%* to 19.00%*3.49%* to 19.00%*4.24%* to 19.00%*

Loan rates on 8 - 10 model years old are 2.00% higher than the rate for which the applicant otherwise qualifies.

.25% discount for automatic payment from a KeyPoint checking or savings account.

Minimum loan amount is $5,000 (exceptions are possible for < $5,000).

*90-day Deferral of First Payment is available to qualified applicants on all programs. 

Payment Examples:
- Pay $22.02 per month per $1,000 borrowed at 2.74% APR for 48-months
- Pay $13.78 per month per $1,000 borrowed at 4.24% APR for 84-months

Motorcycles - New (Max. Age of 3 Model Years)
Rates Effective: 10/16/18
Loan to ValueAPRCredit LimitTerm (Months)
61% - 80%**14.35*$2,500 to $15,000NEW - 48
less than 60%13.55*$2,500 to $15,000NEW - 48
Motorcycles - Used (Max. Age of 3 Model Years)
Rates Effective: 10/16/18
Loan to ValueAPRCredit LimitTerm (Months)
61% - 80%**15.35*$2,500 to $15,000USED - 24
less than 60%14.55*$2,500 to $15,000USED - 24

Maximum LTV is 80% plus tax, license, and all documentation/recording fees.

Discount: .25% for automatic payment from a KeyPoint checking or savings account.

Minimum loan amount is $2,500.

Payment Examples:
- Pay $27.50 per month per $1,000 borrowed at 14.35% APR for 48-months
- Pay $48.65 per month per $1,000 borrowed at 15.35% APR for 24-months

Recreational Vehicles and Boats under 28ft
Rates Effective: 10/16/18
Loan to ValueAPRCredit LimitTerm (Months)
61% - 80% (new)**10.95%*$2,500 or more24 - 120
less than 60% (new)10.75%*$2,500 or more24 - 120
61% - 80% (used)**11.95%*$2,500 or more24 - 120
less than 60% (used)11.75%*$2,500 or more24 - 120

Maximum LTV is 80% plus tax, license, and all documentation/recording fees.

Discount: .25% for automatic payment from a KeyPoint checking or savings account.

Minimum loan amount is $2,500.

PAYMENT EXAMPLES:
- Pay $13.75 per month per $1000 borrowed at 10.95% APR for 120 months
- Pay $14.32 per month per $1000 borrowed at 11.95% APR for 120 months

Personal Loans & Lines of Credit
Rates Effective: 10/16/18
Loan TypeLoan TermAPRMonthly Payment
Personal Loan ($500-$25,000)12-72 months9.95%-20.50%$18.50-$24.24 (for each $1,000 borrowed at the maximum term)
Personal Line of Credit ($1,500-$25,000)N/A9.95%-20.50%$25.00 or 2%**

*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.

Personal Loan Discount: .25% for automatic payment from a KeyPoint checking or savings account.

Personal Line of Credit Discounts: .25% for automatic payment from a KeyPoint checking or savings account.
 

Certificate-Secured Loans
Rates Effective: 10/16/18
TitleAPRAmount FinancedTerm
*Certificate-Secured LoanCertif. Rate +2%N/ACertificate Maturity
Share Account Secured Loan
Rates Effective: 10/16/18
TitleAPRAmount FinancedTerm
Share Account Secured Loan2.49%$2,50024 to 60 months
 2.99%$2,50072 months
Stock Secured Loan
Rates Effective: 10/16/18
TitleAPRAmount FinancedTerm
Stock Secured Loan10.9%Max LTV 50% of current value24 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.

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.



Home Equity Line of Credit
Rates Effective: 10/16/18
Introductory Period for Fixed Rate*Initial Fixed RateAnnual Percentage Rate (APR)
12 MonthsAs low as 3.75%As low as 3.75%
3 YearsAs low as 4.50%As low as 4.50%
*After Introductory Period for Fixed Rate, rate is variable, based on Prime Rate as published in The Wall Street Journal Money Rates Table ("Index") plus 0%. Your rate may be higher depending on your credit score at time of application.
Equity lines are available for owner-occupied single-family, townhomes, condominiums (subject to additional restrictions) and 2-unit properties (1 unit must be owner-occupied). The lowest rates as shown require (a) $25,000 minimum line amount, (b) 75% or lower loan to value (LTV)/combined loan to value (CLTV) ratio, (c) automatic loan payments from a checking account, and (d) a minimum credit score of 760. The floor rate is equal to the Index published at time of loan application. The lifetime maximum variable APR is 16.00%. Equity lines have a 10-year draw period and a 20-year repayment period for a total term of 30 years. Interest only payments during 10-year draw period. Fees to establish an equity line typically range from $680 - $1,185. Equity lines are subject to an Automated Valuation Model including a property drive-by ("AVM") indicating an acceptable confidence score of 80 or higher. Should the AVM indicate an unacceptable confidence score or otherwise be unacceptable to an Underwriter, the member can choose to pay for a full appraisal. Line amounts above $250,000 and/or above 75% LTV/CLTV require a full appraisal instead of an AVM. The fee for a full appraisal typically ranges from $525 - $750. An appraisal may be subject to additional fees for certain property characteristics, including but not limited to, acreage, large home size, waterfront and/or additional amenities. No annual fee or early termination fee. All loans subject to credit approval. Rates and terms subject to change without notice. Maximum line amount is $500,000 and maximum cash in hand is $250,000.
Home Equity Loan
Rates Effective: 10/16/18
TermFixed Rate*Annual Percentage Rate (APR)
10 YearsAs low as 4.99%As low as 5.098%
15 YearsAs low as 5.24%As low as 5.319%
20 YearsAs low as 5.49%As low as 5.556%
30 YearsAs low as 5.74%As low as 5.792%
*Your rate may be higher depending on your credit score.
Equity loans are available for owner-occupied single-family, townhomes, condominiums (subject to additional restrictions) and 2-unit properties (1 unit must be owner occupied). The lowest rates as shown require (a) $20,000 minimum loan amount, (b) 75% or lower loan to value (LTV)/combined loan to value (CLTV) ratio, (c) automatic loan payments from a checking account, and (d) a minimum credit score of 760. Fees to establish an equity loan typically range from $680 - $1,185. On purchase transactions, fees are waived on home equity loan when combined with a KeyPoint 1st mortgage ("Combo"). Equity loans are subject to an Automated Valuation Model including a property drive-by ("AVM") indicating an acceptable confidence score of 80 or higher. Should the AVM indicate an unacceptable confidence score or otherwise be unacceptable to an Underwriter, the member can choose to pay for a full appraisal. Loan amounts above $250,000 and/or above 75% LTV/CLTV require a full appraisal instead of an AVM. The fee for a full appraisal typically ranges from $525 - $750. An appraisal may be subject to additional fees for certain property characteristics, including but not limited to, acreage, large home size, waterfront and/or additional amenities. All loans subject to credit approval. Rates and terms subject to change without notice.