Certificate Account

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.

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has an original maturity of 12 months or less, the penalty we may impose will equal 90 days dividends on the amount withdrawn subject to penalty.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has an original maturity of more than 12 months, the penalty we may impose will equal 180 days dividends on the amount withdrawn subject to penalty.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