2805 Bowers Ave
Santa Clara, CA 95051

Notable Rates APY Vs.Others
Savings 0.20% 2.20% →
1-Year CD 1.15% 2.20% →
2-Year CD 1.45% 2.20% →
5-Year CD 2.50% 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Credit Union Information

Keypoint is an NCUA insured institution located in Santa Clara, CA. It was founded in 1979 and has approximately $1288.5 millions in assets.

Who can join?

You may join if any one of these profiles describes you:

You live, work, worship, or attend school in one of the following communities:

Alameda County
Contra Costa County
El Dorado County
Placer County
Sacramento County
San Mateo County
Santa Barbara County
Santa Clara County
designated areas of Ventura County

You work for an eligible company.
List of eligible companies:

NCUA Insured Yes
Charter Number # # 65299
Date Established 1979
Assets $1,288.50 million
Loans $1,042.96 million
Deposits $1,022.29 million
Capital $106.18 million

Field of Membership Restrictions

Membership in Keypoint Credit Union is open to those who live, work, worship or attend school in Santa Clara, Alameda, El Dorado, Placer, San Mateo, Sacramento, Santa Barbara, or Contra Costa Counties and in select areas of Ventura County in California.

Deposit Rates - February 17, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
1.00% $5,000 - Learn MoreShow Less
Fixed IRA
1.15% $1,000 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.40% $1,000 - Learn MoreShow Less
6 Mo CD
0.65% $1,000 - Learn MoreShow Less
12 Mo CD
1.15% $1,000 - Learn MoreShow Less
18 Mo CD
1.15% $1,000 - Learn MoreShow Less
24 Mo CD
1.45% $1,000 - Learn MoreShow Less
30 Mo CD
1.45% $1,000 - Learn MoreShow Less
36 Mo CD
1.56% $1,000 - Learn MoreShow Less
48 Mo CD
1.71% $1,000 - Learn MoreShow Less
60 Mo CD
2.50% $1,000 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.10% $100 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1,000 - Learn MoreShow Less

Loan Rates - February 17, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for KEYPOINT

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.793% 4.750% 0.00 $1,250 $1,305 Learn More
Rocket Mortgage
NMLS ID: 3030
4.668% 4.625% 0.00 $1,250 $1,286 Learn More
NMLS ID: 2890
License#: 13256
3.378% 3.375% 0.00 $92 $1,106 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Eastern Bank
Eastern Bank
4.250 %
$25,000 Learn More
More Info
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info
People's United Bank, N.A.
People's United Bank, N.A.
5.000 %
$0 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.


Below are Keypoint branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Keypoint Locations

Financial Details

Keypoint Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Keypoint. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Keypoint U.S. Average
1.74% 5.86

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2019, Keypoint had $1,793,584 in non-current loans and $120,588 in owned assets. To cover these potential losses it had $106,184,446 in net worth and $3,741,477 in loans loss reserves. That gives it a Texas Ratio of 1.74%.

Net Worth
Keypoint U.S. Average
8.24% 13.65%

Keypoint FCU has a net worth of 8.24% versus the BestCashCow average of 13.65. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Keypoint

Branches and Savings

What is Keypoint?

A federal credit union, registered with the NCUA under certificate #65299.
Learn more about credit unions here.

Is Keypoint FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Keypoint?

Please see Field of Membership information above for information on who is eligible to join.

What are Keypoint's share account and share certificate rates?

Keypoint's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Keypoint?

Keypoint has total capital of $106.18 million. Full information on Keypoint's financial position is located above.

Who owns Keypoint?

Credit Unions are owned by their members.

Where are Keypoint branches located?

See branch locations nearby.

Are Keypoint ATMs Open 24/7?

Do Keypoint ATMs accept cash deposits?

Can Keypoint customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Keypoint have a mobile app?

Does Keypoint have mobile deposit?

Does Keypoint have quick pay?

How can Keypoint transfer money to other banks or credit unions?

Does Keypoint report to credit bureaus?

Does Keypoint use Chexsystems?

Does Keypoint use Equifax?

What is Keypoint's toll free phone number?

What is Keypoint's ACH Routing Number?

What is Keypoint's SWIFT code?

Where can I find Keypoint's wire transfer form?

What is the Keypoint address for deposits?

What Products Does Keypoint Offer

Does Keypoint offer mortgages?

Compare mortgage rates here.

Does Keypoint offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Keypoint offer auto and RV loans?

Compare auto loan rates here.

Does Keypoint offer student loans or personal loans?

Compare personal loan rates here.

Customer Reviews for Keypoint

  • November 04, 2018 |

    CDs 12 Month Rates

    HSA account only earns .25% on any balance.

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