What are the current interest rates at KeyPoint Credit Union?

Current rates for KeyPoint Credit Union include: 12-Month CD: 2.75%, 24-Month CD: 2.75%, 60-Month CD: 2.75%, Savings: 0.50%, MMA: 2.27%

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KeyPoint Credit Union

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KeyPoint Credit Union Rates & Review October 2026

Q: How many branches does KeyPoint Credit Union operate?

KeyPoint Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join KeyPoint Credit Union?

Yes, to access services at KeyPoint Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, KeyPoint Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, KeyPoint Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

KeyPoint Credit Union's top rates as of October 9, 2026 are 4.00% APY on its 12 Month IRA CD, 0.50% APY on savings, 2.27% APY on money market accounts, 0.05% APY on checking, and personal loans from 10.49% APR, according to rates verified by MonitorBankRates. Other KeyPoint Credit Union CD rates include 5 Month IRA CD at 3.75%, 12 Month IRA CD at 2.75%, and 24 Month IRA CD at 2.75%. MonitorBankRates evaluates the financial stability of KeyPoint Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.00%. Rates last updated and verified on 10/09/2026.

KeyPoint Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at KeyPoint Credit Union? Share your experience about KeyPoint Credit Union by leaving a review below, or read customer reviews before you decide to use KeyPoint Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.00%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

KeyPoint Credit Union
San Jose

2150 Trade Zone Blvd
San Jose, CA 95131-1730

https://www.kpcu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

KeyPoint Credit Union CD Rates

Product	Rate	APY	Term
12 Month IRA Certificate	3.93%	4.00%	12 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
5 Month IRA Certificate	3.69%	3.75%	5 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
12 Month IRA Certificate	2.72%	2.75%	12 months
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 2.75% ▼ 1.25 pts · high 4.00% / low 2.75% Oct 9, 20262.75%▼ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
24 Month IRA Certificate	2.72%	2.75%	24 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
60 Month IRA Certificate	2.72%	2.75%	60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
36 Month IRA Certificate	2.47%	2.50%	36 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
48 Month IRA Certificate	2.47%	2.50%	48 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
6 Month IRA Certificate	2.47%	2.50%	6 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
3 Month IRA Certificate	1.98%	2.00%	3 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%

KeyPoint Credit Union Savings Rates

Product	Rate	APY
QuickStart Savings Account	0.50%	0.50%
Min Balance $0 Details Balance: Up to $2,000 Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Health Savings Account	0.25%	0.25%
Details Balance: Any balance Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Contributory IRA Flex Savings	0.15%	0.15%
Min Balance $50,000 Details Balance: $50,000 or greater Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
QuickStart Savings Account	0.10%	0.13%
Min Balance $50,001 Details Published APY range: 0.13% - 0.10%. Balance: More than $50,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.13% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Contributory IRA Flex Savings	0.10%	0.10%
Min Balance $100 Details Balance: $100 to $49,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Savings Accounts	0.10%	0.10%
Min Balance $50,000 Details Balance: $50,000 or greater Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Savings Accounts	0.05%	0.05%
Min Balance $0 Details Balance: Less than $49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%

KeyPoint Credit Union Money Market Rates

Product	Rate	APY
Performance Money Market	2.25%	2.27%
Min Balance $500,000 Details Balance: $500,000 or greater Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.27% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Performance Money Market	2.00%	2.02%
Min Balance $250,000 Details Balance: $250,000 to $499,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Performance Money Market	1.75%	1.76%
Min Balance $100,000 Details Balance: $100,000 to $249,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.76% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Performance Money Market	1.25%	1.26%
Min Balance $50,000 Details Balance: $50,000 to $99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.26% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Performance Money Market	0.75%	0.75%
Min Balance $25,000 Details Balance: $25,000 to $49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Performance Money Market	0.50%	0.50%
Min Balance $0 Details Balance: $0 to $24,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Contributory IRA Flex Money Market	0.30%	0.30%
Min Balance $50,000 Details Balance: $50,000 or greater Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Contributory IRA Flex Money Market	0.25%	0.25%
Min Balance $25,000 Details Balance: $25,000 to $49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Contributory IRA Flex Money Market	0.20%	0.20%
Min Balance $10,000 Details Balance: $10,000 to $24,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Money Market Accounts	0.20%	0.20%
Min Balance $50,000 Details Balance: $50,000 or greater Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Money Market Accounts	0.15%	0.15%
Min Balance $25,000 Details Balance: $25,000 to $49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Money Market Accounts	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000 to $24,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Money Market Accounts	0.05%	0.05%
Min Balance $1,000 Details Balance: $1,000 to $9,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%

KeyPoint Credit Union Checking Rates

Product	Rate	APY	View More
Dividend Checking	0.05%	0.05%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%

KeyPoint Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan	6.50%	-	6.782%	7 Years
Details Published APR range: As low as 6.782%; Published rate range: As low as 6.500%. As low as; Fixed Rate* Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 6.78% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Home Equity Line of Credit	6.49%	-	7.00%	12 Months
Details $250,000; Introductory Period for Fixed Rate: 12 Months; As low as 6.49% Last Updated 10/09/2026 Rate History No change since Oct 1, 2026 · 7.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Home Equity Loan	7.00%	-	7.207%	10 Years
Details Published APR range: As low as 7.207%; Published rate range: As low as 7.000%. As low as; Fixed Rate* Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.21% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Home Equity Line of Credit	-	-	7.50%
Details $250,001 - $500,000; Introductory Period for Fixed Rate: Not Applicable; Initial Fixed APR: Not Applicable Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 7.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Home Equity Loan	7.50%	-	7.65%	15 Years
Details Published APR range: As low as 7.650%; Published rate range: As low as 7.500%. As low as; Fixed Rate* Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.65% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
High CLTV Home Equity Line of Credit	7.49%	-	7.75%	12 months
Details $175,000; Introductory Period for Fixed Rate: 12 months; As low as 7.49% Last Updated 10/09/2026 Rate History No change since Oct 1, 2026 · 7.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Home Equity Loan	7.75%	-	7.873%	20 Years
Details Published APR range: As low as 7.873%; Published rate range: As low as 7.750%. As low as; Fixed Rate* Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 7.87% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%

KeyPoint Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto: 2026 or 2025 with under 5K miles	-	-	4.24%	24 Months
Details Published APR range: 4.24% - 19.00%. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.54% → 4.24% ▲ 0.70 pts · high 4.24% / low 3.54% Oct 1, 20264.24%▲ from 3.54% Sep 18, 20263.54%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Used Auto: 2019 - 2025 with 5K miles or more	-	-	4.24%	24 Months
Details Published APR range: 4.24% - 19.00%. Last Updated 10/09/2026 Rate History 1 change since Sep 18, 2026 · 3.54% → 4.24% ▲ 0.70 pts · high 4.24% / low 3.54% Oct 1, 20264.24%▲ from 3.54% Sep 18, 20263.54%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
New Auto: 2026 or 2025 with under 5K miles	-	-	5.49%	36 Months
Details Published APR range: 5.49% - 19.00%. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
New Auto: 2026 or 2025 with under 5K miles	-	-	5.49%	48 Months
Details Published APR range: 5.49% - 19.00%. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
New Auto: 2026 or 2025 with under 5K miles	-	-	5.49%	60 Months
Details Published APR range: 5.49% - 19.00%. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
New Auto: 2026 or 2025 with under 5K miles	-	-	5.74%	72 Months
Details Published APR range: 5.74% - 19.00%. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Used Auto: 2019 - 2025 with 5K miles or more	-	-	5.74%	36 Months
Details Published APR range: 5.74% - 19.00%. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Used Auto: 2019 - 2025 with 5K miles or more	-	-	5.74%	48 Months
Details Published APR range: 5.74% - 19.00%. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Used Auto: 2019 - 2025 with 5K miles or more	-	-	5.74%	60 Months
Details Published APR range: 5.74% - 19.00%. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
New Auto: 2026 or 2025 with under 5K miles	-	-	5.99%	84 Months
Details Published APR range: 5.99% - 19.00%. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Used Auto: 2019 - 2025 with 5K miles or more	-	-	5.99%	72 Months
Details Published APR range: 5.99% - 19.00%. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 5.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Used Auto: 2019 - 2025 with 5K miles or more	-	-	6.24%	84 Months
Details Published APR range: 6.24% - 19.00%. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 6.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%

KeyPoint Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New Motorcycle: Model year 2026 and newer Loan	-	6.24%	36 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 6.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Used Motorcycle: Maximum five model years old Loan	-	6.49%	36 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 6.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
New Motorcycle: Model year 2026 and newer Loan	-	6.74%	48 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 6.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Used Motorcycle: Maximum five model years old Loan	-	6.74%	48 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 6.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
New Motorcycle: Model year 2026 and newer Loan	-	6.99%	60 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 6.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Used Motorcycle: Maximum five model years old Loan	-	6.99%	60 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 6.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
New Motorcycle: Model year 2026 and newer Loan	-	7.24%	72 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 7.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Used Motorcycle: Maximum five model years old Loan	-	7.24%	72 Months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 22, 2026 · 7.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
New Recreational Vehicles and Boats (Model year 2026 and newer) Loan	-	7.49%	60 months
Details Published APR range: 7.49% - 19.00%. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
New Recreational Vehicles and Boats (Model year 2026 and newer) Loan	-	7.74%	84 months
Details Published APR range: 7.74% - 19.00%. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Used Recreational Vehicles and Boats (Maximum 6 model years old) Loan	-	7.74%	60 months
Details Published APR range: 7.74% - 19.00%. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
New Recreational Vehicles and Boats (Model year 2026 and newer) Loan	-	7.99%	120 months
Details Published APR range: 7.99% - 19.00%. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Used Recreational Vehicles and Boats (Maximum 6 model years old) Loan	-	7.99%	84 months
Details Published APR range: 7.99% - 19.00%. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 7.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Used Recreational Vehicles and Boats (Maximum 6 model years old) Loan	-	8.24%	120 months
Details Published APR range: 8.24% - 19.00%. Last Updated 10/09/2026 Rate History No change since Sep 18, 2026 · 8.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%

KeyPoint Credit Union Student Loan Rates

Product	Rate	Points	APR	Term
Student Loan Variable	-	-	4.74%	60-180 months
Details Published APR range: 4.74% - 12.74%*. Loan Amount: $5,000 - $75,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Student Loan Fixed	-	-	4.99%	60-180 months
Details Published APR range: 4.99% - 12.99%. Loan Amount: $5,000 - $75,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%

KeyPoint Credit Union Personal Loan Rates

Product	APR	Term
Debt Consolidation Loan	10.49%	12-72 months
Details Published APR range: 10.49% - 24.00%. Loan Amount: $500 - $50,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Personal Loan	10.49%	12-72 months
Details Published APR range: 10.49% - 24.00%. Loan Amount: $500-$25,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Personal Line of Credit	11.95%
Details Published APR range: 11.95% - 22.50%. Loan Amount: $1,000-$25,000; Payment: $25.00 or 2%* Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 11.70% → 11.95% ▲ 0.25 pts · high 11.95% / low 11.70% Sep 22, 202611.95%▲ from 11.70% Sep 14, 202611.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%

KeyPoint Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Credit Mender Loan	-	-	5.24%	12 to 36 months
Details Amount Financed: $500 - $2,500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99% Oct 1, 20265.24%▲ from 4.99% Sep 14, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Credit Starter Loan	5.24%	-	5.24%
Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99% Oct 1, 20265.24%▲ from 4.99% Sep 14, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Home Improvement Loan	-	-	9.49%	12 - 120 months
Details Published APR range: 9.49% - 12.99%. Loan Amount: $10,000 - $100,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Educational Savings Account	0.25%	-	0.25%	6 months
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Retirement Accounts	2.72%	-	2.75%
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

KeyPoint Credit Union’s Texas Ratio rose from 2.37% in Q3 2023 to 3.00% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.7B	3.00%	5.0	A+
March 31, 2026	$1.7B	3.22%	5.0	A+
December 31, 2025	$1.7B	2.86%	5.0	A+
September 30, 2025	$1.6B	2.09%	5.0	A+
June 30, 2025	$1.6B	2.25%	5.0	A+
March 31, 2025	$1.6B	2.02%	5.0	A+
December 31, 2024	$1.6B	2.92%	5.0	A+
September 30, 2024	$1.7B	3.23%	5.0	A+
June 30, 2024	$1.7B	2.38%	5.0	A+
March 31, 2024	$1.7B	2.52%	5.0	A+
December 31, 2023	$1.7B	2.38%	5.0	A+
September 30, 2023	$1.7B	2.37%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for KeyPoint Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather KeyPoint Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with KeyPoint Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name KeyPoint Credit Union

Website https://www.kpcu.com

Address 2150 Trade Zone Blvd, San Jose, CA 95131-1730

Phone 408-731-4100

Fax 408-727-1959

President Keith Stattenfield

CEO David Luu

Full-Time Employees 182

Part-Time Employees 1

Branch Locations 7

ATM Locations 8

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.00%

Return on Assets (ROA)

0.1475%

Return on Equity (ROE)

1.6270%

Non-Performing Loans Ratio (NPL)

0.36%

Total Assets

1,654,274,819

Total Amount of Shares and Deposits

1,343,626,105

Total Shares and Deposits < 1 Year

1,330,641,583

Total Shares and Deposits 1 3 Years

8,637,723

Total Shares and Deposits > 3 Years

4,346,802

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

186,089,100

Total Uninsured Shares and Deposits > $250K (F+J)

186,089,100

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,157,537,005

Total Interest Expense (Sum of items 6 8)

11,926,516

Share Certificates

6,315

Number of Accounts for Share Drafts

43,927

IRA KEOGH Accounts

1,501

Number of Accounts for Regular Shares

33,177

All other shares

358

Non Member Deposits

Money Market Shares

3,090

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

43,014,479

Total Liabilities

1,526,357,632

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

KeyPoint Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About KeyPoint Credit Union

How many branches does KeyPoint Credit Union operate?

KeyPoint Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join KeyPoint Credit Union?

Yes, to access services at KeyPoint Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, KeyPoint Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, KeyPoint Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does KeyPoint Credit Union offer online and mobile banking?

Most modern institutions like KeyPoint Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.kpcu.com.