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Diversify your investment portfolio by choosing between Traditional and Roth IRA options.
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Retirement Central

KeyPoint Credit Union offers Traditional and Roth IRA options that provide intelligent savings features with tax-deferred or tax-free advantages*. Check out the details of our IRAs and the competitive rates we offer compared to other Bay Area banks. 

*Consult with a tax advisor for qualification requirements.

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Which IRA is right for you?

  IRA Certificates IRA Flex Savings IRA Flex Money Market
Description A fixed-rate IRA with terms ranging from 1-84 months. Consistent and convenient way to build savings for your retirement in a federally-insured account. The greater your balance, the higher the interest. An attractive option for accessing your IRA funds if you’re eligible for distributions.
Interest Rates View rates View rates View rates
Minimum Opening Deposit $1,000 $100 $10,000
To Apply Open and manage your IRA by visiting KeyPoint Credit Union’s Retirement Central.
Contributory IRA Flex Savings
Rates Effective: 4/3/14
Contributory IRA Flex SavingsDividend RateAnnual Percentage Yield (APY)
$100 to $2,499.990.05%0.05%
$2,500 to $9,999.990.05%0.05%
$10,000 to $24,999.990.05%0.05%
$25,000 to $49,999.990.05%0.05%
$50,000 or Greater0.10%0.10%
Contributory IRA Flex Money Market
Rates Effective: 4/3/14
Contributory IRA Flex Money MarketDividend RateAnnual Percentage Yield (APY)
$10,000 to $24,999.990.10%010%
$25,000 to $49,999.990.15%0.15%
$50,000 to $99,999.990.20%0.20%
$100,000 or Greater0.20%0.20%
Share and Traditional/Roth IRA Certificate Rates (Individual & Business)
Rates Effective: 4/3/14
Certificate Rates (Individual & Business)TermDividend RateAnnual Percentage Yield (APY)Annual Percentage Yield (APY) w/ DD*
Minimum Balance $1,0001 - 2 Months0.10%0.10%0.20%
 3 - 5 Months0.20%0.20%0.30%
 6 - 8 Months0.30%0.30%0.40%
 9 - 11 Months0.30%0.30%0.40%
 12 - 17 Months0.35%0.35%0.45%
 18 - 23 Months0.35%0.35%0.45%
 24 - 35 Months0.40%0.40%0.50%
 36 - 47 Months0.70%0.70%0.80%
 48 - 59 Months0.95%0.95%1.05%
 60 - 71 Months1.64%1.65%1.75%
 72 - 84 Months1.64%1.65%1.75%
Minimum Balance $10,0001 - 2 Months0.10%0.10%0.20%
 3 - 5 Months0.20%0.20%0.30%
 6 - 8 Months0.30%0.30%0.40%
 9 - 11 Months0.30%0.30%0.40%
 12 - 17 Months0.35%0.35%0.45%
 18 - 23 Months0.35%0.35%0.45%
 24 - 35 Months0.40%0.40%0.50%
 36 - 47 Months0.70%0.70%0.80%
 48 - 59 Months0.95%0.95%1.05%
 60 - 71 Months1.64%1.65%1.75%
 72 - 84 Months1.64%1.65%1.75%
Minimum Balance $25,0001 - 2 Months0.10%0.10%0.20%
 3 - 5 Months0.20%0.20%0.30%
 6 - 8 Months0.30%0.30%0.40%
 9 - 11 Months0.30%0.30%0.40%
 12 - 17 Months0.35%0.35%0.45%
 18 - 23 Months0.35%0.35%0.45%
 24 - 35 Months0.40%0.40%0.50%
 36 - 47 Months0.70%0.70%0.80%
 48 - 59 Months0.95%0.95%1.05%
 60 - 71 Months1.64%1.65%1.75%
 72 - 84 Months1.64%1.65%1.75%
Minimum Balance $50,0001 - 2 Months0.10%0.10%0.20%
 3 - 5 Months0.20%0.20%0.30%
 6 - 8 Months0.30%0.30%0.40%
 9 - 11 Months0.30%0.30%0.40%
 12 - 17 Months0.35%0.35%0.45%
 18 - 23 Months0.35%0.35%0.45%
 24 - 35 Months0.40%0.40%0.50%
 36 - 47 Months0.70%0.70%0.80%
 48 - 59 Months0.95%0.95%1.05%
 60 - 71 Months1.64%1.65%1.75%
 72 - 84 Months1.64%1.65%1.75%
Minimum Balance $100,0001 - 2 Months0.10%0.10%0.20%
 3 - 5 Months0.20%0.20%0.30%
 6 - 8 Months0.30%0.30%0.40%
 9 - 11 Months0.30%0.30%0.40%
 12 - 17 Months0.35%0.35%0.45%
 18 - 23 Months0.35%0.35%0.45%
 24 - 35 Months0.40%0.40%0.50%
 36 - 47 Months0.70%0.70%0.80%
 48 - 59 Months0.95%0.95%1.05%
 60 - 71 Months1.64%1.65%1.75%
 72 - 84 Months1.64%1.65%1.75%

Savings & Certificate Account Disclosures:
Savings accounts have a variable rate, and certificate accounts have a fixed rate

Money market account with balances under $1,000 earn the regular share rate. 

All dividends are compounded and paid quarterly, except certificate accounts which are compounded and paid quarterly and/or at maturity. 

* Direct Deposit rate increase is for initial opening deposit only and does not apply to certificate renewal/rollovers. Failure to maintain net direct deposit during the term of certificate will reduce the rate by .10% APY. Certificates must maintain the rate tier minimum balance through the end of the term. If the balance falls below the rate tier minimum balance, the Certificate must be closed. Applicable penalties will apply to principal balance. Early withdrawal penalties apply. Rates are subject to change without notice. Please call (888) 255-3637 with any additional questions.

APY = Annual Percentage Yield. Rates subject to change without notice.

Your KeyPoint deposits are federally insured to at least $250,000 (Individual Retirement Accounts up to an additional $250,000) through the National Credit Union Administration (NCUA).

IRA Accounts

Flex IRA accounts have a Variable Rate. Traditional/Roth IRAs have a Fixed Rate.

All dividends are compounded and paid quarterly except certificate accounts which are compounded and paid quarterly and/or at maturity.

*Direct Deposit rate increase is for initial opening deposit only and applies to IRA Certificate renewal/rollovers. Failure to maintain net direct deposit during the term of IRA Certificate will reduce the rate by .10% APY. IRA Certificates must maintain the rate tier minimum balance through the end of the term. If the balance falls below the rate tier minimum balance, the IRA Certificate must be closed. Applicable penalties will apply to principal balance. Early withdrawal penalties apply. Rates are subject to change without notice. Please call (888) 255-3637 with any additional questions.

APY = Annual Percentage Yield. Rates are subject to change without notice.

Your KeyPoint deposits are federally insured to at least $250,000 (Individual Retirement Accounts up to an additional $250,000) through the National Credit Union Administration (NCUA).