Last Updated on October 12, 2022 by Layanvi
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.
| Website | https://kpcu.com/ |
| 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 |
Table of Contents
- 1 How to Login to KeyPoint Credit Union Online Banking
- 2 How to Reset Your Password on KeyPoint Credit Union
- 3 How to Recover Your User ID on KeyPoint Credit Union Login Portal
- 4 How to Enroll in KeyPoint Credit Union Online Banking
- 5 KeyPoint Credit Union Type of Accounts/Services
- 6 Mobile Banking Capabilities of KeyPoint Credit Union
- 7 Common Banking Fees of KeyPoint Credit Union
- 8 KeyPoint Credit Union’s Interest Rates
- 9 How to Contact KeyPoint Credit Union
- 10 Banks of Similar Capacity in California
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.
Step 3: Enter your User ID and Password. Then click the Sign In button.
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?
Step 2: Then, insert your User ID and click Submit in the blue box.
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.
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.
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.
Step 2: You will be redirected to a registration page.
Step 3: Fill in all the respective fields, then click Submit.
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.
Checking
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.
Savings
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.
Loans
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 | |
| IRAs |
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.
Checking:
| 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) |
| ≥$100,000 |
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.