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Low rates, high dividends
Find out the current rates on KeyPoint’s loans, savings and deposit products.
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Rates

    • Checking, Savings, Certificates & IRAs
    • Consumer Loans
    • Home Loans
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).
Checking Rates
Rates Effective: 2/1/15
TitleDividend RateAnnual Percentage Yield (APY)
Dividend Checking0.050%0.050%

Checking accounts have variable rates. All dividends are compounded and paid monthly. 

Savings Rates
Rates Effective: 2/1/15
Savings Account BalanceDividend RateAnnual Percentage Yield (APY)
Less than $49,999.990.050%0.050%
$50,000 or Greater0.100%0.100%
Savings accounts have variable rates. All dividends are compounded and paid monthly. 
High Yield Savings Account
Rates Effective: 2/1/15
High Yield Savings BalanceDividend RateAnnual Percentage Yield (APY)
$25,000 to $49,999.990.200%0.200%
$50,000 to $99,999.990.450%0.451%
$100,000 or greater0.600%0.602%
Balances under $25,000 will earn the regular savings rate. High Yield Savings Accounts have variable rates. All dividends are compounded and paid monthly. 
Money Market Rates - Individual
Rates Effective: 2/1/15
Money MarketDividend RateAnnual Percentage Yield (APY)
$1,000 to $9,999.990.050%0.050%
$10,000 to $24,999.990.100%0.100%
$25,000 to $49,999.990.150%0.150%
$50,000 or greater0.200%0.200%
Balances under $1,000 will earn the regular savings rate. Money Marketing accounts have variable rates. All dividends are compounded and paid monthly.
Money Market Rates – Business
Rates Effective: 2/1/15
Money MarketDividend RateAnnual Percentage Yield (APY)
$1,000 to $9,999.990.050%0.050%
$10,000 to $24,999.990.100%0.100%
$25,000 to $49,999.990.250%0.250%
$50,000 or greater0.300%0.300%
Balances under $1,000 will earn the regular savings rate. Money Marketing accounts have variable rates. All dividends are compounded and paid monthly.
Share Certificate Rates
Rates Effective: 2/1/15
Minimum Term$1,000 Minimum Balance$10,000 Minimum Balance$25,000 Minimum Balance$50,000 Minimum Balance$100,000 Minimum Balance
1 month0.100% rate 0.100% APY0.100% rate 0.100% APY0.100% rate 0.100% APY0.100% rate 0.100% APY0.100% rate 0.100% APY
3 months0.200% rate 0.200% APY0.200% rate 0.200% APY0.200% rate 0.200% APY0.200% rate 0.200% APY0.200% rate 0.200% APY
6 months0.300% rate 0.300% APY0.300% rate 0.300% APY0.300% rate 0.300% APY0.300% rate 0.300% APY0.300% rate 0.300% APY
12 months0.350% rate 0.351% APY0.350% rate 0.351% APY0.350% rate 0.351% APY0.350% rate 0.351% APY0.350% rate 0.351% APY
24 months0.400% rate 0.401% APY0.400% rate 0.401% APY0.400% rate 0.401% APY0.400% rate 0.401% APY0.400% rate 0.401% APY
36 months0.700% rate 0.702% APY0.700% rate 0.702% APY0.700% rate 0.702% APY0.700% rate 0.702% APY0.700% rate 0.702% APY
48 months0.950% rate 0.954% APY0.950% rate 0.954% APY0.950% rate 0.954% APY0.950% rate 0.954% APY0.950% rate 0.954% APY
60 months1.640% rate 1.652% APY1.640% rate 1.652% APY1.640% rate 1.652% APY1.640% rate 1.652% APY1.640% rate 1.652% APY

0.10% bonus with direct deposit. Failure to maintain direct deposit during the term of the Certificate will reduce the rate by 0.10%. Certificate accounts have a fixed rate. All dividends are compounded and paid monthly and/or at maturity. Early withdrawal penalties apply. 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 the principal balance.

Education Savings Account
Rates Effective: 2/1/15
TermDividend RateAnnual Percentage Yield (APY)
6 months0.300%0.300%
Educational Savings Accounts have a fixed rate and minimum $25 balance. All dividends are compounded and paid monthly and/or at maturity. 
HSA Rates - Health Savings Account
Rates Effective: 2/1/15
Minimum BalanceDividend RateAnnual Percentage Yield (APY)
Any balance0.050%0.050%
Savings accounts have variable rates. All dividends are compounded and paid monthly. 
Contributory IRA Flex Savings
Rates Effective: 2/1/15
Contributory IRA Flex SavingsDividend RateAnnual Percentage Yield (APY)
$100 to $49,999.990.100%0.100%
$50,000 or greater0.150%0.150%
Contributory IRA Flex Money Market
Rates Effective: 2/1/15
Contributory IRA Flex Money MarketDividend RateAnnual Percentage Yield (APY)
$10,000 to $24,999.990.200%0.200%
$25,000 to $49,999.990.250%0.250%
$50,000 or greater0.300%0.300%

Contributory Flex IRA accounts have a variable rate. All dividends are compounded and paid monthly. 

Traditional and Roth IRA Certificate Rates
Rates Effective: 2/1/15
Minimum Term$1,000 Minimum Balance$10,000 Minimum Balance$25,000 Minimum Balance$50,000 Minimum Balance$100,000 Minimum Balance
1 month0.100% rate 0.100% APY0.100% rate 0.100% APY0.100% rate 0.100% APY0.300% rate 0.300% APY0.500% rate 0.501% APY
3 months0.200% rate 0.200% APY0.200% rate 0.200% APY0.200% rate 0.200% APY0.400% rate 0.401% APY0.600% rate 0.602% APY
6 months0.300% rate 0.300% APY0.300% rate 0.300% APY0.300% rate 0.300% APY0.500% rate 0.501% APY0.700% rate 0.702% APY
12 months0.500% rate 0.501% APY0.500% rate 0.501% APY0.500% rate 0.501% APY0.700% rate 0.702% APY0.900% rate 0.904% APY
24 months0.600% rate 0.602% APY0.600% rate 0.602% APY0.600% rate 0.602% APY0.800% rate 0.803% APY1.000% rate 1.005% APY
36 months1.000% rate 1.005% APY1.000% rate 1.005% APY1.000% rate 1.005% APY1.200% rate 1.207% APY1.400% rate 1.409% APY
48 months1.250% rate 1.257% APY1.250% rate 1.257% APY1.250% rate 1.257% APY1.450% rate 1.460% APY1.650% rate 1.663% APY
60 months1.750% rate 1.764% APY1.750% rate 1.764% APY1.750% rate 1.764% APY1.950% rate 1.968% APY2.150% rate 2.171% APY

0.10% bonus with direct deposit. Failure to maintain direct deposit during the term of the Certificate will reduce the rate by 0.10%. Certificate accounts have a fixed rate. All dividends are compounded and paid monthly and/or at maturity. Early withdrawal penalties apply. 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 the principal balance.

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.



Auto Loans – New and Used
Rates Effective: 2/9/15
New and Used36 months48 months60 months66 months72 months84 months
New (2014 and newer)1.49%* to 19.00%*1.74%* to 19.00%*1.99%* to 19.00%*2.24%* to 19.00%*2.74%* to 19.00%*2.99%* to 19.00%*
Used (2007-2013)2.24%* to 19.00%*2.24%* to 19.00%*2.49%* to 19.00%*3.24%* to 19.00%*3.49%* to 19.00%*3.99%* to 19.00%*

Maximum NEW auto loan amount is MSRP plus tax, license, documentation and recording fees, GAP and MBI. Maximum USED auto loan amount is Retail Kelley Blue Book plus tax, license, documentation and recording fees, GAP and MBI.

Loan rates on 2006 model years are 1.5% higher than the rate for which the applicant otherwise qualifies. 

.25% discount for automatic payment from a KeyPoint checking or savings account. The final loan rate cannot be less than the FLOOR RATE of 1.49%.

Minimum loan amount is $5,000 (exceptions are possible for < $5,000).

*90-day Deferral of First Payment is available to qualified applicants on all programs. 

Payment Examples:
- Pay $28.42 per month per $1,000 borrowed at 1.49% APR for 36-months
- Pay $23.38 per month per $1,000 borrowed at 19.00% APR for 72-months

Motorcycles - New (Max. Age of 3 Model Years)
Rates Effective: 2/9/15
Loan to ValueAPRCredit LimitTerm (Months)
61% - 80%**14.35*$2,500 to $15,000NEW - 48
less than 60%13.55*$2,500 to $15,000NEW - 48
Motorcycles - Used (Max. Age of 3 Model Years)
Rates Effective: 2/9/15
Loan to ValueAPRCredit LimitTerm (Months)
61% - 80%**15.35*$2,500 to $15,000USED - 24
less than 60%14.55*$2,500 to $15,000USED - 24

Maximum LTV is 80% plus tax, license, and all documentation/recording fees.

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

Minimum loan amount is $2,500.

Payment Examples:
- Pay $27.50 per month per $1,000 borrowed at 14.35% APR for 48-months
- Pay $48.65 per month per $1,000 borrowed at 15.35% APR for 24-months

Recreational Vehicles and Boats under 28ft
Rates Effective: 2/9/15
Loan to ValueAPRCredit LimitTerm (Months)
61% - 80% (new)**10.95%*$2,500 or more24 - 120
less than 60% (new)10.75%*$2,500 or more24 - 120
61% - 80% (used)**11.95%*$2,500 or more24 - 120
less than 60% (used)11.75%*$2,500 or more24 - 120

Maximum LTV is 80% plus tax, license, and all documentation/recording fees.

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

Minimum loan amount is $2,500.

PAYMENT EXAMPLES:
- Pay $13.75 per month per $1000 borrowed at 10.95% APR for 120 months
- Pay $14.32 per month per $1000 borrowed at 11.95% APR for 120 months

Personal Loans & Lines of Credit
Rates Effective: 2/9/15
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: 2/9/15
TitleAPRAmount FinancedTerm
*Certificate-Secured LoanCertif. Rate +2%N/ACertificate Maturity
Share Account Secured Loan
Rates Effective: 2/9/15
TitleAPRAmount FinancedTerm
Share Account Secured Loan2.49%$2,50024 to 60 months
 2.99%$2,50072 months
Stock Secured Loan
Rates Effective: 2/9/15
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.

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.



Home Equity Loan
Rates Effective: 2/9/15
Terms1st Position Annual Percentage Rate2nd Position Annual Percentage RatePoints and Fees**
20 - 30 YearsAs low as 4.24%As low as 5.49%0
Home Equity Line of Credit
Rates Effective: 2/9/15
Introductory Period for Fixed RateIntroductory 1st Position Annual Percentage RateIntroductory 2nd Position Annual Percentage RateAfter Introductory Period, Prime Rate Plus 0% Annual Percentage Rate*Points and Fees**
6 MonthsAs low as 3.49%As low as 3.49%Floor of 3.99%0
3 YearsAs low as 3.74%As low as 3.99%Floor of 3.99%0
5 YearsAs low as 4.25%As low as 4.50%Floor of 3.99%0
7 YearsAs low as 5.50%As low as 5.75%Floor of 3.99%0

Equity loans and lines available for owner-occupied single-family California residences. Loans for townhouses, condominiums and 2-unit properties are available with different terms. The lowest rates as shown require (a) $20,000 loan or advance at closing; (b) 75% or better loan to value (LTV) ratio; and (c) automatic loan payments. Six-month introductory rate not available on Lines of Credit used as purchase money. No annual fee.

20-year term is available on loan amounts of $50,000 or more. 30-year term is available on loan amounts of $150,000 or more. Payment example: 360 monthly payments of $4.92 per $1,000 borrowed at 4.24% APR.

*Rate is variable, based on Prime Rate as published in The Wall Street Journal Money Rates Table (the \"Index\"), with a floor of 3.99% and a lifetime maximum variable APR of 16.00%.

**Zero (0) points and fees are available only on new loans and lines of credit, and are not available for refinances of existing KeyPoint loans. For a limited time, pay no fees to establish a Home Equity Loan or Line up to $500,000. Important Note: If you pay off the loan within 36 months, you will pay a $350 early closing fee on loan amounts up to $250,000, or $1,000 fee on loan amounts over $250,000. Fees to establish equity loans and lines over $500,000 typically range from $1,325 to $2,500.

Minimum loan amount is $20,000.

Finish Line Loan Rates
Rates Effective: 2/9/15
Fixed Term Period7-Year Term10-Year Term15-Year Term30-Year Term
Annual Percentage Rate3.375%3.375%3.375%4.24%
Monthly Payment Amount$1,338.29$983.01$708.75$491.35
Total of Payments Over the Term$112,416.36$111,721.20$127,575.00$176,886.00

All figures are based upon a $100,000 loan with a start date of 2/9/15. These examples are purely for illustrative purposes. Actual payments and interest will vary.

Finish Line Loan Disclosures:

Home refinancing offered at fixed rates of 3.375% to 6.74% APR as of 2/9/15 based on creditworthiness, loan-to-value ratio and other factors. Offered rates subject to change. Featured rate of 3.375% requires 75% LTV or less, and excellent credit and automatic loan payments. Pay $9.84 per month per $1,000 borrowed at 3.375% APR for 120 months. If you pay off and close the loan within 36 months, an early closing fee of $350 applies to lines up to $250,000 or $1000 to loans from $250,000–$500,000.

Refinance of KeyPoint Real Estate Secured loans and lines do not qualify for the No Point, No Fee, No Closing cost program.