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 13, 2026

KeyPoint Credit Union's top rates as of October 13, 2026 are 4.00% APY on its 12 Month Promotional IRA CD (Traditional and Roth), 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 Promotional IRA CD (Traditional and Roth) at 3.75%, IRA CD - 12 month at 2.75%, and IRA CD - 24 month 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 10/13/2026.

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 Promotional IRA Certificate (Traditional and Roth)	3.93%	4.00%	12 months
Details New money only; cannot be funded with money already in a KeyPoint account; Effective Date: 8/12/2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
5 Month Promotional IRA Certificate (Traditional and Roth)	3.69%	3.75%	5 months
Details New money only; cannot be funded with money already in a KeyPoint account; Effective Date: 8/12/2026; Penalty-free withdrawals 7 or more days after account opening Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
IRA Certificate - 12 month	2.72%	2.75%	12 months
Details Effective 4/7/2026; Traditional and Roth IRA Certificate; 0.10% bonus with direct deposit (not reflected in displayed rate/APY); Failure to maintain direct deposit during the term reduces the rate by 0.10% if the bonus is applied Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
IRA Certificate - 24 month	2.72%	2.75%	24 months
Details Effective 4/7/2026; Traditional and Roth IRA Certificate; 0.10% bonus with direct deposit (not reflected in displayed rate/APY); Failure to maintain direct deposit during the term reduces the rate by 0.10% if the bonus is applied Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
IRA Certificate - 60 month	2.72%	2.75%	60 months
Details Effective 4/7/2026; Traditional and Roth IRA Certificate; 0.10% bonus with direct deposit (not reflected in displayed rate/APY); Failure to maintain direct deposit during the term reduces the rate by 0.10% if the bonus is applied Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
IRA Certificate - 36 month	2.47%	2.50%	36 months
Details Effective 4/7/2026; Traditional and Roth IRA Certificate; 0.10% bonus with direct deposit (not reflected in displayed rate/APY); Failure to maintain direct deposit during the term reduces the rate by 0.10% if the bonus is applied Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
IRA Certificate - 48 month	2.47%	2.50%	48 months
Details Effective 4/7/2026; Traditional and Roth IRA Certificate; 0.10% bonus with direct deposit (not reflected in displayed rate/APY); Failure to maintain direct deposit during the term reduces the rate by 0.10% if the bonus is applied Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
IRA Certificate - 6 month	2.47%	2.50%	6 months
Details Effective 4/7/2026; Traditional and Roth IRA Certificate; 0.10% bonus with direct deposit (not reflected in displayed rate/APY); Failure to maintain direct deposit during the term reduces the rate by 0.10% if the bonus is applied Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
IRA Certificate - 3 month	1.98%	2.00%	3 months
Details Effective 4/7/2026; Traditional and Roth IRA Certificate; 0.10% bonus with direct deposit (not reflected in displayed rate/APY); Failure to maintain direct deposit during the term reduces the rate by 0.10% if the bonus is applied Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 6 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; No minimum balance required; First $5,000 deposited must be savings not currently at KeyPoint; Requires active checking account (at least three transactions per month); One account per member; Posting of earnings do not apply Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Health Savings Account	0.25%	0.25%
Details Minimum balance: Any balance; variable rate; dividends compounded and paid monthly Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 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 10/13/2026 Rate History No change since Oct 9, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
QuickStart Savings Account	0.10%	0.13%
Min Balance $50,000 Details Published APY range: 0.13% - 0.10%. Balance: More than $50,000; No minimum balance required; First $5,000 deposited must be savings not currently at KeyPoint; Requires active checking account (at least three transactions per month); One account per member; Posting of earnings do not apply Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.13% APY · checked 6 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 10/13/2026 Rate History No change since Oct 9, 2026 · 0.10% APY · checked 2 times 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; Savings Rates (Membership, Smart and Kids Savings); Kids Savings Account must have a financially responsible adult joint owner on account Last Updated 10/13/2026 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%
Savings Accounts	0.05%	0.05%
Details Balance: Less than $49,999.99; Savings Rates (Membership, Smart and Kids Savings); Kids Savings Account must have a financially responsible adult joint owner on account Last Updated 10/13/2026 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 Money Market Rates

Product	Rate	APY
Performance Money Market	2.25%	2.27%
Min Deposit $25,000 Min Balance $500,000 Details Balance: $500,000 or greater; Minimum $25,000 to open; 25% of funds must be new money (not transferred from another KeyPoint account) Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.27% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Performance Money Market	2.00%	2.02%
Min Deposit $25,000 Min Balance $250,000 Details Balance: $250,000 to $499,999.99; Minimum $25,000 to open; 25% of funds must be new money (not transferred from another KeyPoint account) Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Performance Money Market	1.75%	1.76%
Min Deposit $25,000 Min Balance $100,000 Details Balance: $100,000 to $249,999.99; Minimum $25,000 to open; 25% of funds must be new money (not transferred from another KeyPoint account) Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.76% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Performance Money Market	1.25%	1.26%
Min Deposit $25,000 Min Balance $50,000 Details Balance: $50,000 to $99,999.99; Minimum $25,000 to open; 25% of funds must be new money (not transferred from another KeyPoint account) Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.26% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Performance Money Market	0.75%	0.75%
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000 to $49,999.99; Minimum $25,000 to open; 25% of funds must be new money (not transferred from another KeyPoint account) Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Performance Money Market	0.50%	0.50%
Min Deposit $25,000 Min Balance $0 Details Balance: $0 to $24,999.99; Minimum $25,000 to open; 25% of funds must be new money (not transferred from another KeyPoint account) Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 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 10/13/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 5 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 10/13/2026 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 Money Market	0.20%	0.20%
Min Balance $10,000 Details Balance: $10,000 to $24,999.99 Last Updated 10/13/2026 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	0.20%	0.20%
Min Balance $50,000 Details Balance: $50,000 or greater; Money Market Rates - Individual Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 0.20% APY · checked 2 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; Money Market Rates - Individual Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 0.15% APY · checked 2 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; Money Market Rates - Individual Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 0.10% APY · checked 2 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; Money Market Rates - Individual Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 0.05% APY · checked 2 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 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 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 As Low As; Rates available as of 9/28/2026; Lowest rates require $20,000 minimum loan amount, 80% or lower LTV/CLTV, minimum credit score of 700 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 6.78% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Home Equity Line of Credit	6.49%	-	7.00%
Details $250,000; As Low As; Introductory Period for Fixed Rate: 12 Months; Initial Fixed APR: 6.49%; After introductory period, rate is variable, Prime Rate (WSJ) + 0% Last Updated 10/13/2026 Rate History 1 change since Sep 22, 2026 · 7.50% → 7.00% ▼ 0.50 pts · high 7.50% / low 7.00% Oct 13, 20267.00%▼ from 7.50% Sep 22, 20267.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Home Equity Loan	7.00%	-	7.207%	10 Years
Details As Low As; Rates available as of 9/28/2026; Lowest rates require $20,000 minimum loan amount, 80% or lower LTV/CLTV, minimum credit score of 700 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 7.21% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Home Equity Loan	7.50%	-	7.65%	15 Years
Details As Low As; Rates available as of 9/28/2026; Lowest rates require $20,000 minimum loan amount, 80% or lower LTV/CLTV, minimum credit score of 700 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 7.65% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
High CLTV Home Equity Line of Credit	7.49%	-	7.75%
Details $175,000; As Low As; Introductory Period for Fixed Rate: 12 months; Initial Fixed APR: 7.49%; After introductory period, rate is variable, Prime Rate (WSJ) + 0% Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Home Equity Loan	7.75%	-	7.873%	20 Years
Details As Low As; Rates available as of 9/28/2026; Lowest rates require $20,000 minimum loan amount, 80% or lower LTV/CLTV, minimum credit score of 700 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 7.87% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%

KeyPoint Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loans - New Auto: 2026 or 2025 with under 5K miles	4.24%	-	4.24%	24 Months
Details Rate range: 4.24% - 19.00%; Effective 9/25/2026; Minimum loan amount $5,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Auto Loans - New Auto: 2026 or 2025 with under 5K miles	5.49%	-	5.49%	36 Months
Details Rate range: 5.49% - 19.00%; Effective 9/25/2026; Minimum loan amount $5,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Auto Loans - New Auto: 2026 or 2025 with under 5K miles	5.49%	-	5.49%	48 Months
Details Rate range: 5.49% - 19.00%; Effective 9/25/2026; Minimum loan amount $5,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Auto Loans - New Auto: 2026 or 2025 with under 5K miles	5.49%	-	5.49%	60 Months
Details Rate range: 5.49% - 19.00%; Effective 9/25/2026; Minimum loan amount $5,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Auto Loans - New Auto: 2026 or 2025 with under 5K miles	5.74%	-	5.74%	72 Months
Details Rate range: 5.74% - 19.00%; Effective 9/25/2026; Minimum loan amount $5,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Auto Loans - New Auto: 2026 or 2025 with under 5K miles	5.99%	-	5.99%	84 Months
Details Rate range: 5.99% - 19.00%; Effective 9/25/2026; Minimum loan amount $5,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.99% APR 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 Loan	-	6.24%	36 Months
Details Model year 2026 and newer; Minimum loan amount for new motorcycles is $3,000; Maximum loan amount is $50,000; Rates accurate as of 8/1/2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Used Motorcycle Loan	-	6.49%	36 Months
Details Maximum five model years old; Minimum loan amount for used motorcycles is $5,000; Maximum loan amount is $50,000; Rates accurate as of 8/1/2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
New Motorcycle Loan	-	6.74%	48 Months
Details Model year 2026 and newer; Minimum loan amount for new motorcycles is $3,000; Maximum loan amount is $50,000; Rates accurate as of 8/1/2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Used Motorcycle Loan	-	6.74%	48 Months
Details Maximum five model years old; Minimum loan amount for used motorcycles is $5,000; Maximum loan amount is $50,000; Rates accurate as of 8/1/2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
New Motorcycle Loan	-	6.99%	60 Months
Details Model year 2026 and newer; Minimum loan amount for new motorcycles is $3,000; Maximum loan amount is $50,000; Rates accurate as of 8/1/2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Used Motorcycle Loan	-	6.99%	60 Months
Details Maximum five model years old; Minimum loan amount for used motorcycles is $5,000; Maximum loan amount is $50,000; Rates accurate as of 8/1/2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
New Motorcycle Loan	-	7.24%	72 Months
Details Model year 2026 and newer; Minimum loan amount for new motorcycles is $3,000; Maximum loan amount is $50,000; Rates accurate as of 8/1/2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Used Motorcycle Loan	-	7.24%	72 Months
Details Maximum five model years old; Minimum loan amount for used motorcycles is $5,000; Maximum loan amount is $50,000; Rates accurate as of 8/1/2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
New Recreational Vehicles and Boats Loan	-	7.49%	60 months
Details Published APR range: 7.49% - 19.00%. Model year 2026 and newer; Minimum loan amount is $2,500; Maximum LTV is 90% plus tax, license, and all documentation/recording fees; Rates accurate as of 8/1/2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
New Recreational Vehicles and Boats Loan	-	7.74%	84 months
Details Published APR range: 7.74% - 19.00%. Model year 2026 and newer; Minimum loan amount is $2,500; Maximum LTV is 90% plus tax, license, and all documentation/recording fees; Rates accurate as of 8/1/2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Used Recreational Vehicles and Boats Loan	-	7.74%	60 months
Details Published APR range: 7.74% - 19.00%. Maximum 6 model years old; Minimum loan amount is $2,500; Maximum LTV is 90% plus tax, license, and all documentation/recording fees; Rates accurate as of 8/1/2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
New Recreational Vehicles and Boats Loan	-	7.99%	120 months
Details Published APR range: 7.99% - 19.00%. Model year 2026 and newer; Minimum loan amount is $2,500; Maximum LTV is 90% plus tax, license, and all documentation/recording fees; Rates accurate as of 8/1/2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Used Recreational Vehicles and Boats Loan	-	7.99%	84 months
Details Published APR range: 7.99% - 19.00%. Maximum 6 model years old; Minimum loan amount is $2,500; Maximum LTV is 90% plus tax, license, and all documentation/recording fees; Rates accurate as of 8/1/2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Used Recreational Vehicles and Boats Loan	-	8.24%	120 months
Details Published APR range: 8.24% - 19.00%. Maximum 6 model years old; Minimum loan amount is $2,500; Maximum LTV is 90% plus tax, license, and all documentation/recording fees; Rates accurate as of 8/1/2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.24% APR 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 $5,000 - $75,000; Published APR range: 4.74% - 12.74%. Student Loan Refinance; Variable rate based on WSJ Prime Rate plus a margin; Loan amount $5,000 - $75,000; Effective 8/1/2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Student Loan Fixed	-	-	4.99%	60-180 months
Details $5,000 - $75,000; Published APR range: 4.99% - 12.99%. Student Loan Refinance; Loan amount $5,000 - $75,000; Effective 8/1/2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 6 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 $500 - $50,000; Published APR range: 10.49% - 24.00%. Monthly payment per $1,000 at maximum term: $18.78 - $26.33 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 10.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Personal Loan	10.49%	12-72 months
Details $500-$25,000; Published APR range: 10.49% - 24.00%. Monthly payment per $1,000 at maximum term: $18.78 - $26.33 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 10.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Personal Line of Credit	11.95%
Details $1,000-$25,000; Published APR range: 11.95% - 22.50%. Variable rate based on WSJ Prime Rate plus a margin; minimum monthly payment is greater of $25.00 or 2% of outstanding principal plus accrued interest and fees Last Updated 10/13/2026 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
Home Improvement Loan	-	-	9.49%	12 - 120 months
Details $10,000 - $100,000; Published APR range: 9.49% - 12.99%. Rates accurate as of 8/12/2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%
Educational Savings Account	0.25%	-	0.25%	6 months
Min Balance $25 Details Fixed rate; minimum $25 balance; dividends compounded and paid monthly and/or at maturity Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.00%

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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

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

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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.