Keypoint Credit Union
Headquarters
2150 Trade Zone Blvd
San Jose, CA 95131
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2024 Overview
General Credit Union Information
Keypoint is an NCUA insured institution located in San Jose, CA. It was founded in 1979 and has approximately $1679.6 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:
https://www.keypointcu.com/about/about-detail-2.aspx?id=368
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 65299 |
| Date Established | 1979 |
| Assets | $1,679.60 million |
| Loans | $1,295.63 million |
| Deposits | $1,317.09 million |
| Capital | $147.51 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 - April 25, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.10% | $2,500 | $4,999 |
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|
|
Money Market
|
0.10% | $2,500 | $2,999 |
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|
|
Money Market
|
0.25% | $10,000 | $14,999 |
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|
|
Money Market
|
0.25% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.35% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.35% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.75% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.85% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.85% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.00% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.00% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.15% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.15% | $100,000 | $199,999 |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.05% | $2,500 | $3,499 | Learn More |
Loan Rates - April 25, 2024
Your Current Location: Ohio, OH 43085
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 - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 401822 |
6.944% | 6.750% | 1.00 | $6,400 | $2,076 | Learn More |
NMLS ID: 2059741 |
7.018% | 6.875% | 0.88 | $4,672 | $2,103 | Learn More |
NMLS ID: 3030 |
7.476% | 7.375% | 1.00 | $3,200 | $2,211 | Learn More |
NMLS ID: Not a Lender |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to Keypoint
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
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:
Columbus,Ohio
Climate Policy and Initiatives
KEYPOINT is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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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 |
|---|---|
| 2.86% | 6.97 |
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 December 31, 2023, Keypoint had $4,060,660 in non-current loans and $352,802 in owned assets. To cover these potential losses it had $147,514,454 in net worth and $6,685,857 in loans loss reserves. That gives it a Texas Ratio of 2.86%.
Net Worth
| Keypoint | U.S. Average |
|---|---|
| 8.87% | 13.62% |
Keypoint FCU has a net worth of 8.87% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Keypoint
mjohnellis
November 4, 2018 |
HSA account only earns .25% on any balance.
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