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Your beneficiaries will be notified, and the funds will be distributed to them according to your instructions. Be sure to keep your beneficiary information updated! More questions? Click here to view our IRA FAQ.

Need an IRA?

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

Which IRA is right for you?

Whenever you are on KeyPoint’s website, we can assure you that you’re safe. However, we cannot guarantee the safety of other sites. You will encounter a warning message to let you know when you’re leaving our site. 

Yes, if you're a recent college graduate or new to the U.S., and want to establish or build credit, we can help. Starting Point provides a suite of key financial services — including a KeyPoint Auto Loan, Classic Credit Card, Free Checking Account and Personal Line of Credit — to help you get your future off to a strong start. https://kpcu.com/Loans/Starting-Point

KeyPoint does not offer Venmo at this time. We have other great competitive options you can use via our digital channels such as Online Banking and/or Mobile Banking to transfer funds.

Please visit our website to learn more about the free features here: kpcu.com/Checking/Online-Mobile

Before contacting us, we recommend searching for the answer using the search bar in the top right corner of website, as many common questions have already been answered in our FAQs. If you are still unable to find an answer to your question, you can find our contact information here.

Courtesy Pay is a type of overdraft protection where KeyPoint may decide to pay overdrafts caused by check, Debit Card withdrawal, point-of-sale and ACH transactions. There is a fee of $14 for each item that KeyPoint chooses to pay. You must pay all overdrawn amounts and fees immediately, but no later than 45 days. Not all accounts qualify for Courtesy Pay. Refer to the Courtesy Pay Agreement and Disclosure for complete information.

There are many benefits of Courtesy Pay:

• Fewer charges from retailers for returned checks
• Saves time and embarrassment to redeem unpaid checks
• Added convenience and flexibility to manage your account
• Available for checks, ATM withdrawals and VISA^® Debit Card purchases

Please contact the Rewards Headquarters at (888) 319-1677 and choose option 1.

We offer Visa Platinum Cash Rewards, Visa Platinum Rewards, Visa Platinum, and Visa Classic. https://kpcu.com/Loans/Credit-Cards

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 KeyPoint branch. 

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 top of the page. Don't miss out on our Member benefits.

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 KeyPoint branch. 

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 top of the page. Don't miss out on our Member benefits.