KeyPoint Credit Union Login Portal – All You Need to Know

Last Updated on October 12, 2022 by

KeyPoint Credit Union is a full-service and non-profit credit union providing financial solutions to help members achieve their life goals, including free financial education programs and financial literacy. To be able to access their services, you need a KeyPoint Credit Union login account first.

KeyPoint offers various services, such as checking, savings, loans, investment, etc. Inspired by Silicon Valley innovation, its mission is to enable diverse members’ financial well-being through profitable solutions and education.

Here we have a complete step-by-step guide to KeyPoint login.

keypoint credit union login logo

Branch/ATM Locator Location
Routing Number 321180515
Swift Code KERUUS66
Contact (888) 255-3637
KeyPoint Credit Union Mobile Banking Apple’s App Store | Google Play Store

How to Login to KeyPoint Credit Union Online Banking

You can log in to your account every time, and from anywhere if you have the right KeyPoint Credit Union login credentials. Follow the steps below:

Step 1: Go to the official website through this link.

Step 2: Once the page has loaded, locate the Login box to the top right of the homepage.

kpcu login box

Step 3: Enter your User ID and Password. Then click the Sign In button.

kpcu login user id

Now you have successfully logged into your account.

How to Reset Your Password on KeyPoint Credit Union

If you forget your password, read how to reset it in minutes.

Step 1: In the Login box click Forgot/Reset Password?

keypoint forgot password

Step 2: Then, insert your User ID and click Submit in the blue box.

kpcu login id

Step 3: You will be redirected to the Identify Verification page. Then you have to enter your confirmation code. The bank will give you two options to get the code, either through text or call, you can pick one of them.

kpcu login

Step 4: The bank will send a code through text or call to the number you have selected. Once you have received it, insert the Confirmation Code and click Submit in the blue box.

kpcu login code

Follow these steps carefully. Once you have changed your password, you will receive immediate access to your online accounts. If you still have any questions regarding these steps, contact Member Services at (888) 255-3637.

How to Recover Your User ID on KeyPoint Credit Union Login Portal

If you come across a situation where you have to make a quick transfer to your son or daughter living abroad but suddenly realize you cannot login because you forgot your username, you need to contact them at (888) 255-3637.

KeyPoints will make it simple and easy for you to speak to representatives when you have questions or concerns. The representatives are ready to help with your needs 24×7, except for during the Christmas and New Year holidays.

How to Enroll in KeyPoint Credit Union Online Banking

If you are a new user, you need to enroll first before gaining all the KeyPoint Credit Union’s services.

Step 1: Locate and click New User? Sign Up Here.

sign up link in keypoint credit union login box

Step 2: You will be redirected to a registration page.

keypoint login registration

Step 3: Fill in all the respective fields, then click Submit.

kpcu login submit registration

Finish all the next required steps carefully. Once you have done so, the bank will send you a verification email for your registration.

KeyPoint Credit Union Type of Accounts/Services

KeyPoint Credit Union provides a range of banking services that suit clients and is fully insured by the NCUA.


KeyPoint gives you easy daily money management with their checking account options. There are four options, such as Free Checking, Unlimited Checking, Dividend Checking, and Free Student Checking (for students 13-17).

All come with amazing features, including fast direct deposit (two days faster than other financial institutions), a free Visa Debit Card, fee-free access to over 30,000 ATMs, and funds being federally insured by the National Credit Union Administration (NCUA).

Credit Cards

If you are looking for a credit card, you will find the right one here. KeyPoint provides up to four types of credit cards, such as Visa Platinum Cash Rewards, Visa Platinum Rewards, Visa Platinum, and Visa Classic. KeyPoint Visa cards are a secure way to pay and track your daily spending.


Do you want to achieve your goals? KeyPoint will help you to keep your savings on track with automatic monthly transfers. Your funds are also federally insured by the NCUA.

There are seven options of saving accounts you can choose such as Money Market Savings Account, Premier Money Market Savings Account, QuickStart Saving Account, Smart Saving Account, High Yield Savings Account, Kids Savings Account (under 18), Coverdell Education Savings Account, Certificate Account, IRAs.


KeyPoint is committed to helping you find the right mortgage product to fit your needs and budget. They offer a wide range of affordable mortgage products, including low rates auto/vehicle loans, affordable home equity loans, personal loans for funding your personal events, and much more.

With flexible loan terms available, you can tailor your affordable monthly payments.

KeyPoint Credit Union also provides some exclusive services for youth, including student loan refinance, student savings accounts, and free student checking accounts.

Mobile Banking Capabilities of KeyPoint Credit Union

KeyPoint Mobile Banking can make busy people get access to their money and accounts 24/7. To be able to use their Mobile App, you must first enroll in Online Banking. Here are some features you can get on the Mobile App:

  • View your account balance, including checking, saving, and credit card accounts, and view its transaction history.
  • Pay bills anytime and anytime, and you can set up automatic payments to avoid late fees and penalties.
  • Transfer funds quickly using your smartphone or tablet.
  • Use your smartphone or tablet camera to make deposits.
  • Send money to your friends, family, or anyone else in the USA.
  • Receive notifications alerting you to low balances or other activities.

KeyPoint Credit Union Mobile Banking is available in Apple’s App Store and Google Play Store.

Common Banking Fees of KeyPoint Credit Union

There are common banking fees exhibited on the KeyPoint Credit Union.

Checking Accounts:

Free Checking Free Student Checking Unlimited Checking Dividend Checking
Monthly Service Fee $17 $12
Minimum Opening Deposit $25 $100

Credit Cards:

Visa Platinum Cash Rewards Visa Platinum Rewards Visa Platinum Visa Classic
Rewards Unlimited 1.5% cash rewards on all purchases Earn rewards for every $1 spent
Annual Fees
Foreign Transaction Fee

Savings Accounts:

Account Type Minimum Opening Balance Monthly Service Fee
Money Market $1,000 $10
Premier Money Market $10,000 (new money)
QuickStart Saving None (First $5K must be new money)
Smart Savings $25 $5
High Yield Savings $25.000
Kids Savings $25
Coverdell Education
Certificate Account $1,000

KeyPoint Credit Union’s Interest Rates

KeyPoint helps their clients make the most of their money, earning more on savings and certificate accounts, and paying less on consumer loans and home loans. Check them out.


Type Rates (APY)
Dividend Checking 0.05% (0.05% APY)

Credit Cards:

Visa Platinum Cash Rewards Visa Platinum Rewards Visa Platinum Visa Classic
Rates 0% APR on all purchases for the first 9 months. 0% APR for 16 months on eligible balance transfers.

Savings Accounts:

Account balance Rates (APY)
≤449,999.99 0.05% (0.05% APY)
≥50,000 0.10% (0.10% APY)

High Yield Savings Account:

Account Balance Rates (APY)
<$25,000 0.10% (0.10% APY)
$25,000 to $49,999.99  0.15% (0.15% APY)
$50,000 to $99,999.99 0.20% (0.20% APY)

Certificate and IRAs Certificates:

Terms $1,000 minimum balance
1 month 0.25% (0.25% APY)
3 months 0.30% (0.30% APY)
6 months 1.25% (1.25% APY)
12 months 2.25% (2.27% APY)
24 months
36 months
48 months
60 months 2.50% rate 2.52% APY

Auto Loans:

Auto 24 months 36 months 48 months 60 months 72 months 84 months
New: 2022 or 2021 with under 5K miles 3.74% – 19.00% 3.99% – 19.00% 4.24% – 19.00% 4.49% – 19.00% 4.74% – 19.00% 5.24% – 19.00%
Used: 2015-2021 with 5K miles or more

Personal Loans & Lines of Credit:

Type Terms APR Monthly Payment
Personal Loan ($500-$25,000) 12-72 months 11.20% – 19.95% $19.14 – $23.93 (for each $1,000 borrowed at the max term)
Personal Line of Credit ($1,500-$25,000) $25.00 or 2%

Home Equity Loan:

Term Fixed Rate APY
7 years As low as 5.500% As low as 5.532%
10 years As low as 5.750% As low as 5.773%
15 years As low as 6.000% As low as 6.017%
20 years As low as 6.500% As low as 6.017%

For more information about KeyPoint interest rates, click here to find out.

How to Contact KeyPoint Credit Union

There are several ways to contact KeyPoint representatives. It depends on what your needs are. Here we provide you with the full details of KeyPoint Credit Union’s contact information.

Contact Center

(888) 255-3637

(800) 669-5463 from outside the U.S.

(877) 393-1400 TTY

Always open 24 x7 (except on 12/24 at 5pm PT until 12/26 at 5am PT and on 12/31 at 7pm PT until 1/1 at 5am PT)

Mortgage Hotline

(877) 888-9634

Monday-Friday  7:00am-7:00pm PT

Saturday 9:00am-3:30pm PT

New Accounts and Loans

(877) 552-3004

Monday-Thursday 9:00am-5:30pm PT

Friday 9:00am-6:00pm PT

Telephone Banking

(888) 844-3279

Verify Debit Card Transactions

(866) 702-3400

Visa Debit Card-Activation Hotline and PIN Change (If you do not know your current PIN, contact them at 1-888-255-3637)

(800) 813-4132

Report Lost/Stolen Debit Card

(888) 255-3637

Verify Credit Card Transactions

(866) 518-0213

Visa Credit Card-Activation Hotline

(888) 691-8661

Visa Credit Card PIN Change/Add

(888) 891-2435

Report Lost/Stolen Credit Card

(888) 255-3637

Live Chat

Click the link above on their homepage.

Monday-Thursday 9:00 am – 5:30 pm PT

Friday 9:00 am – 6:00 pm PT

Mailing Address

KeyPoint Credit Union, 2150 Trade Zone Boulevard, Suite 200, San Jose, CA 95131 

We hope this article has been helpful in providing you with the KeyPoint Credit Union contact information you need. If you have any further questions, please don’t hesitate to reach out to them directly.

Banks of Similar Capacity in California

If you are still looking for a bank in California that fits your personal needs, check out the banks below:

US Bank offers some personal banking products, including checking, savings, credit card, travel credit cards, loans, and more. US Bank’s personal loans offer as low as 8.24% of APR, lower than KeyPoint Credit Union.

At Discover Bank, you will get a savings account with no monthly fee and minimum opening deposit. It also offers you 2.10% APY which is higher than KeyPoint Credit Union.

If you are looking for a high-yield CD with high APY, Ally Bank is the right place. You will get from 1.00% to 3.15% APY according to your chosen term, higher than KeyPoint Credit Union.

US Bank is a good online bank for your personal loan needs. If you are looking for a savings account with the highest rates, Discover Bank is the best option among the 3 banks. Ally Bank has the highest APY for a high-yield CD among the 3 banks.

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We hope this article gives you details of the KeyPoint Credit Union online banking, including how to navigate their system and information about their services. Please contact us with any questions you may have.