Keypoint

san jose, California
Last verified: July 9, 2026

As of July 9, 2026, Keypoint offers a cd_12mo mortgage at 3.35% APR (3.35% rate, 0 points). Auto loans available from 3.29% APR.

Source: RateAPI.dev, verified from Keypoint's official website

Mortgage Rates

Rates as of July 9, 2026

cd_12mo
3.350% APR
Rate3.350%
Points0
12-month certificate
cd
3.350% APR
Rate3.350%
Points0
Certificate Account

Auto Loan Rates

Rates as of July 9, 2026

auto
3.290% APR
Rate3.290%
Fresh Start Auto Loan
auto_new_24mo
3.290% APR
Rate3.290%
New Auto: 2026 or 2025 with under 5K miles (24 Months)
auto_used_24mo
3.290% APR
Rate3.290%
Used Auto: 2019 – 2025 with 5K miles or more (24 Months)
auto
3.290% APR
Rate3.290%
[PROMOTIONAL] Auto Loan
auto
5.240% APR
Rate5.240%
Auto Loan Sample
auto_new_36mo
5.240% APR
Rate5.240%
New Auto: 2026 or 2025 with under 5K miles (36 Months)
auto_new_48mo
5.240% APR
Rate5.240%
New Auto: 2026 or 2025 with under 5K miles (48 Months)
auto_new_60mo
5.240% APR
Rate5.240%
New Auto: 2026 or 2025 with under 5K miles (60 Months)
auto_new_72mo
5.490% APR
Rate5.490%
New Auto: 2026 or 2025 with under 5K miles (72 Months)
auto_used_36mo
5.490% APR
Rate5.490%
Used Auto: 2019 – 2025 with 5K miles or more (36 Months)
auto_used_48mo
5.490% APR
Rate5.490%
Used Auto: 2019 – 2025 with 5K miles or more (48 Months)
auto_used_60mo
5.490% APR
Rate5.490%
Used Auto: 2019 – 2025 with 5K miles or more (60 Months)
auto_new_84mo
5.740% APR
Rate5.740%
New Auto: 2026 or 2025 with under 5K miles (84 Months)
auto_used_72mo
5.740% APR
Rate5.740%
Used Auto: 2019 – 2025 with 5K miles or more (72 Months)
auto_used_84mo
5.990% APR
Rate5.990%
Used Auto: 2019 – 2025 with 5K miles or more (84 Months)
auto_new_36mo
6.240% APR
Rate6.240%
New Motorcycle: Model year 2026 and newer (36 Months)
auto_used_36mo
6.490% APR
Rate6.490%
Used Motorcycle: Maximum five model years old (36 Months)
auto_new_48mo
6.740% APR
Rate6.740%
New Motorcycle: Model year 2026 and newer (48 Months)
auto_used_48mo
6.740% APR
Rate6.740%
Used Motorcycle: Maximum five model years old (48 Months)
auto_new_60mo
6.990% APR
Rate6.990%
New Motorcycle: Model year 2026 and newer (60 Months)
auto_used_60mo
6.990% APR
Rate6.990%
Used Motorcycle: Maximum five model years old (60 Months)
auto_new_72mo
7.240% APR
Rate7.240%
New Motorcycle: Model year 2026 and newer (72 Months)
auto_used_72mo
7.240% APR
Rate7.240%
Used Motorcycle: Maximum five model years old (72 Months)
auto_new
11.990% APR
Rate11.990%
Recreational Vehicles and Boats: less than 60% LTV (New)
auto_new
12.200% APR
Rate12.200%
Recreational Vehicles and Boats: 61% - 80% LTV (New)
auto_used
12.990% APR
Rate12.990%
Recreational Vehicles and Boats: less than 60% LTV (Used)
auto_used
13.200% APR
Rate13.200%
Recreational Vehicles and Boats: 61% - 80% LTV (Used)

Frequently Asked Questions

What rates does Keypoint offer?

Keypoint currently offers mortgage, and auto loan rates. The rates shown on this page were last verified July 9, 2026 directly from the credit union's official website.

How often are Keypoint rates updated?

RateAPI verifies Keypoint's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified July 9, 2026.

Where does RateAPI get Keypoint's rate data?

Rate data is collected directly from Keypoint's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Keypoint's mortgage rate?

As of July 9, 2026, Keypoint offers a cd_12mo mortgage at 3.35% APR.

What is Keypoint's auto loan rate?

As of July 9, 2026, Keypoint offers auto loans from 3.29% APR.

Related Rate Data

Compare Keypoint's rates against national credit-union benchmarks.

More California credit unionsMortgage rate benchmarkAuto loan rate benchmarkHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

View Original Source

Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

Use it via API

Access this data programmatically with our REST API

terminal
# Get rates for Keypoint
curl "https://api.rateapi.dev/credit-unions/california/keypoint" \
  -H "Authorization: Bearer YOUR_API_KEY"
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