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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 KeyPoint Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 17, 2026
KeyPoint Credit Union's Promotional CD 12 month rates are at 3.58%, Promotional CD 5 month rates are at 3.58%, Promotional CD and IRA CD (Traditional and Roth) 12 month rates are at 3.58%, Promotional CD and IRA CD (Traditional and Roth) 5 month* rates are at 3.58%, 12 CD - Business rates are at 3.04%. KeyPoint Credit Union's savings rates are at 0.05%. KeyPoint Credit Union's money market rates are at 0.05%. KeyPoint Credit Union's Personal Loan Rates are at 4.99%. 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 2.20%. Rates were last updated on 03/17/2026. 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. 
KeyPoint Credit Union CD Rates
KeyPoint Credit Union Savings Rates
KeyPoint Credit Union Money Market Rates
KeyPoint Credit Union Checking Rates
KeyPoint Credit Union Mortgage Rates
KeyPoint Credit Union Home Equity & HELOC
KeyPoint Credit Union Student Loan Rates
Methodology & Data SourcesMonitorBankRates 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
T Bradford Canfield
Full-Time Employees
182
Part-Time Employees
2
Branch Locations
7
ATM Locations
8
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.20%
Return on Assets (ROA)
0.2350%
Return on Equity (ROE)
2.5638%
Non-Performing Loans Ratio (NPL)
0.26%
Total Assets
1,649,756,934
Total Amount of Shares and Deposits
1,365,828,696
Total Shares and Deposits < 1 Year
1,348,723,600
Total Shares and Deposits 1 3 Years
12,207,129
Total Shares and Deposits > 3 Years
4,897,967
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
159,987,576
Total Uninsured Shares and Deposits > $250K (F+J)
159,987,576
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,205,841,120
Total Interest Expense (Sum of items 6 8)
18,750,607
Share Certificates
7,206
Number of Accounts for Share Drafts
43,812
IRA KEOGH Accounts
1,536
Number of Accounts for Regular Shares
28,244
All other shares
384
Non Member Deposits
6
Money Market Shares
3,180
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
77,332,299
Total Liabilities
1,526,053,648
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About KeyPoint Credit UnionIs KeyPoint Credit Union a safe place to deposit money?Yes, KeyPoint Credit Union is considered a safe financial institution. With a Texas Ratio of 2.2023606179877%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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. Current KeyPoint Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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