Retirement Accounts (IRAs)

Get a head start on your Golden Years
Visit a Branch
Secure your financial future with consistent contributions
Start with as little as $100 and grow from there
Enjoy steady earnings and a variety of tax benefits
Choose Traditional or Roth IRAs with different tax advantages

You're never too young to get started with an Individual Retirement Account

Whether you're just settling into your first job or making a big mid-career move, now's the time to open an IRA. Make steady contributions over the years and build a nest egg that will help make your retirement a happy one.

  • Contribute up to $7,000 per year ($8,000 if you're age 50 or over) 
  • Deposit funds in a special savings account, Money Market or Certificates to earn money at competitive interest rates
  • Choose Traditional or Roth IRAs 
  • With Traditional IRAs, you may be able to take a tax deduction for each year you make a contribution 
  • With Roth IRAs, all qualified withdrawals after you reach age 59 ½ are tax-free 
  • With both Traditional and Roth IRAs, all annual dividend earnings are tax-exempt 
  • All KeyPoint IRA accounts are federally insured up to $250,000 by the National Credit Union Administration 
  • Consult your tax advisor for more details on IRAs

Plan confidently for the future with KeyPoint Credit Union retirement accounts, including Traditional and Roth IRAs designed to support long-term financial goals. Serving the San Francisco Bay Area, Santa Barbara County and beyond.

Good planning today can pay off in retirement
Visit a Branch to Open

KeyPoint IRA Options

IRA Flex Savings

  • Start with as little as $100 
  • Build your retirement savings consistently and conveniently 
  • Earn competitive dividends

IRA Flex Money Market

  • Minimum opening deposit of $10,000 
  • Tiered rates mean bigger balances pay higher dividends 
  • Easy access to funds when you reach retirement age

IRA Certificates

  • Minimum opening deposit of $1,000 
  • Lock in fixed rates for 1 month to 5 years 
  • In general, longer-term Certificates have the highest rates 

Frequently Asked Questions

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.

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).

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. 

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.

   

IRA CertificatesIRA Flex SavingsIRA Flex Money Market
DescriptionA fixed-rate IRA with terms ranging from 1-60 months.A consistent and convenient way to build savings for your retirement.The greater your balance, the higher the interest.
Interest RatesView RatesView RatesView Rates
Minimum Opening Deposit$1,000$100$10,000
To ApplyOpen and manage your IRA by visiting KeyPoint’s Retirement Central.
View All FAQs
Article
Understanding How to Budget
Resources to help you manage your money
Mobile Banking
Manage your money quickly and easily
How to Videos
Watch help videos on a variety of topics
Financial Calculators
Run the numbers on spending and saving
Fraud Prevention
Find out how to avoid common scams

IRA contribution limits and tax laws are subject to change.

Pages Within
Routing Number 321180515
Stay Informed with
How-to Videos
Check Application Status
See our
Holiday Schedule
Mortgage Hotline