Extending a lending hand
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Personal Loans & Lines of Credit


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Sometimes you need a little help from your friends. Consider it done! KeyPoint Credit Union provides the personal loans and lines of credit you need to cover all types of expenses from emergencies to special purchases. Our personal loans and credit lines feature competitive rates and provide the financial cushion our Bay Area members sometimes need to cover health expenses, school tuition or unexpected costs in life.

We offer multiple loan and credit line options, all delivered with the superior member service you expect from KeyPoint Credit Union. Whether you’re in a financial pinch or planning to avoid one, find out how we can offer a lending hand.

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  Personal Loans Lines of Credit Secure loans
Amount You Can Borrow Borrow from $500 up to $25,000. Borrow from $1,500 up to $25,000.

Borrow on the money you have on deposit, while it earns interest for you. Use any of the following as collateral:

  • Certificate Account
  • Savings Account
  • Personal Stocks
Minimum Monthly Payment Pre-determined monthly payments based on final loan amount, rate and term. $25.00 or 2% of outstanding balance when you use Personal Line of Credit. Pre-determined monthly payments based on final loan amount, rate and term.

Get Started and Apply Today

  1. Apply online for a line of credit or other personal loan or call (888) 255-3637 to submit an application over the phone.
  2. If approved, a loan representative will contact you to review rates, discounts, documents needed and schedule an appointment.
  3. Sign loan documents.
  4. Receive loan funds.

ALL LOANS SUBJECT TO CREDIT APPROVAL. RATE IS BASED ON CREDITWORTHINESS AND OTHER FACTORS, AND MAY BE HIGHER THAN THE RATE SHOWN. RATES AND TERMS SUBJECT TO CHANGE WITHOUT NOTICE.



Personal Loans & Lines of Credit
Rates Effective: 3/26/14
Loan TypeLoan TermAPRMonthly Payment
Personal Loan ($500-$25,000)12-72 months8.20%-19.00%$17.15-$23.38 (for each $1,000 borrowed at the maximum term)
Personal Line of Credit ($1,500-$25,000)N/A8.20%-19.00%$25.00 or 2%**

*Rate is variable, based on Prime Rate as published in The Wall Street Journal Money Rates Table (the \"Index\") plus a margin.

**The minimum monthly payment is the greater of $25.00 or 2% of the outstanding principal balance of the credit line plus accrued interest and other fees and charges billed to the account during the monthly billing period.

Personal Loan Discount: .25% for automatic payment from a KeyPoint checking or savings account.

Personal Line of Credit Discounts: .25% for automatic payment from a KeyPoint checking or savings account; .25% rate discount if your Personal Line of Credit is established as an overdraft protection source on your KeyPoint checking account; .25% rate discount for NEW Personal Lines of Credit with an opening advance of at least 50% of the credit limit. The final loan rate cannot be less than the FLOOR RATE of 7.20%.

Certificate-Secured Loans
Rates Effective: 3/26/14
TitleAPRAmount FinancedTerm
*Certificate-Secured LoanCertif. Rate +2%N/ACertificate Maturity
Share Account Secured Loan
Rates Effective: 3/26/14
TitleAPRAmount FinancedTerm
Share Account Secured Loan2.49%$2,50024 to 60 months
 2.99%$2,50072 months
Stock Secured Loan
Rates Effective: 3/26/14
TitleAPRAmount FinancedTerm
Stock Secured Loan10.9%Max LTV 50% of current value24 to 60 months

Payment Examples:
Pay $42.76 per month per $1,000 borrowed at 2.49% APR for 24 months
Pay $35.02 per month per $1,000 borrowed at 15.74% APR for 36 months

*Ask a KeyPoint representative for a payment example on the loan type, amount and term you want.