--- title: "Keypoint Credit Union Rates - California" description: "Current auto loan, personal loan, and savings & cd rates from Keypoint Credit Union in California. Updated daily with source verification. See who can join Keypoint Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/california/keypoint" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Keypoint Credit Union Rates - California ### Auto & vehicle rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Auto Loan, Refinance** auto | — APR | 4.240% | — | Standard | | **Fresh Start Auto Loan** auto | — APR | 14.990% | — | Standard | Keypoint Credit Union auto & vehicle rates as of November 13, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Debt Consolidation Loan** personal | — APR | 10.490% | — | Standard | | **Personal Loans & Credit Line** personal_unsecured | — APR | 11.950% | — | Standard | Keypoint Credit Union personal loan rates as of November 13, 2026 ### Savings & CD rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Money Market** money_market | — APY | 2.27% | — | Standard | | **Retirement Account** savings | — APY | 2.75% | — | Standard | Keypoint Credit Union savings & cd rates as of November 13, 2026 Keypoint Credit Union is a credit union in California. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/california/keypoint) , verified from [Keypoint Credit Union's official website](https://kpcu.com/Home) Loading branch locator… ## About Keypoint Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 55.2K Assets $1.7B Founded 1979 Locations reported 8 NCUA charter 65299 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial education - First-time homebuyer program - Student scholarships - Credit-builder products Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**F3** North San Jose Branch · San Jose · CA · 95101-9001 About 0.6 miles away](https://rateapi.dev/credit-unions/california/f3) [**Technology** Corporate Office · San Jose · CA · 95131-2018 About 1.5 miles away](https://rateapi.dev/credit-unions/california/technology) [**Patelco** MILPITAS · Milpitas · CA · 95035-8123 About 1.7 miles away](https://rateapi.dev/credit-unions/california/patelco) [**Provident** Branch Office · San Jose · CA · 95110-1322 About 1.7 miles away](https://rateapi.dev/credit-unions/california/provident) [**Mirastar** Corporate Office · San Jose · CA · 95110 About 1.8 miles away](https://rateapi.dev/credit-unions/california/mirastar) [**First Technology** San Jose Corporate · San Jose · CA · 95134-2118 About 1.8 miles away](https://rateapi.dev/credit-unions/california/first-technology) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Keypoint Credit Union Membership eligibility from Keypoint Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Keypoint Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer Apple, Inc., Intel Corporation, Cisco Systems, Inc., Adobe, Inc., Synopsys, Inc., eBay Inc., Juniper Networks, Samsung Research America, Greater Irvine Chamber of Commerce - Association Financial Fitness Association Verified from [Keypoint Credit Union's membership page](https://kpcu.com/about/membership/become-a-member) . Final membership determination is always made by the credit union. ## Membership rules for Keypoint Credit Union Employers 9 · Associations · Family 11 published paths to membership, last verified August 21, 2026, quoted from Keypoint Credit Union’s own published criteria. ### Employers 9 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of Apple, Inc. “Apple, Inc. (AZ, CA, OR, TX)” > [source ↗](https://kpcu.com/about/membership/become-a-member) - Employee of Apple, Inc. - Employee of Intel Corporation “Intel Corporation (AZ, CA, OR, TX)” > [source ↗](https://kpcu.com/about/membership/become-a-member) - Employee of Intel Corporation - Employee of Cisco Systems, Inc. “Cisco Systems, Inc. (CA, TX)” > [source ↗](https://kpcu.com/about/membership/become-a-member) - Employee of Cisco Systems, Inc. - Employee of Adobe, Inc. “Adobe, Inc. (CA, OR)” > [source ↗](https://kpcu.com/about/membership/become-a-member) - Employee of Adobe, Inc. - Employee of Synopsys, Inc. “Synopsys, Inc. (CA, OR, TX)” > [source ↗](https://kpcu.com/about/membership/become-a-member) - Employee of Synopsys, Inc. - Employee of eBay Inc. “eBay Inc. (CA, TX)” > [source ↗](https://kpcu.com/about/membership/become-a-member) - Employee of eBay Inc. - Employee of Juniper Networks “Juniper Networks (CA, TX)” > [source ↗](https://kpcu.com/about/membership/become-a-member) - Employee of Juniper Networks - Employee of Samsung Research America “Samsung Research America (CA)” > [source ↗](https://kpcu.com/about/membership/become-a-member) - Employee of Samsung Research America - Employee of Chamber of Commerce “Work for a company that is a member of the Greater Irvine Chamber of Commerce” > [source ↗](https://kpcu.com/about/membership/become-a-member) - Employee of Chamber of Commerce ### Associations 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Member of Financial Fitness Association “Join the Financial Fitness Association (FFA)—at no cost to you!” > [source ↗](https://kpcu.com/about/membership/become-a-member) - Member of Financial Fitness Association ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member immediate family member, household member “Are an immediate family member of a current Member, or if you live in the same household as a current Member” > [source ↗](https://kpcu.com/about/membership/become-a-member) - Family member (immediate family member, household member) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Keypoint Credit Union? Yes No ## Work at Keypoint Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Keypoint Credit Union ranks against California peers. - See which AI assistants fetched Keypoint Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in California - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=keypoint&state=california&code=CA&name=Keypoint%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Keypoint Credit Union offer? Keypoint Credit Union currently offers Auto loan, and personal loan rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Keypoint Credit Union rates updated? RateAPI verifies Keypoint Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get Keypoint Credit Union's rate data? Rate data is collected directly from Keypoint Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Keypoint Credit Union? Keypoint Credit Union publishes its membership criteria on its own website. RateAPI tracks 11 published membership paths covering 9 employers and 1 association for Keypoint Credit Union, each quoted from Keypoint Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Keypoint Credit Union's rates against national credit-union benchmarks. [More California credit unions](https://rateapi.dev/credit-unions/california) [California auto loan rate leaders](https://rateapi.dev/auto-loan-rates/california) [California personal loan leaders](https://rateapi.dev/personal-loan-rates/california) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://kpcu.com/Home) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Keypoint Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when California credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Keypoint Credit Union curl "https://api.rateapi.dev/credit-unions/california /keypoint " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Keypoint Credit Union locations Search, filter, and browse all 8 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/california/keypoint Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp