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KeyPoint Credit Union

KeyPoint Credit Union is a not-for-profit, member-owned California credit union founded in 1979 and headquartered in San Jose, CA. KeyPoint serves the greater San Francisco Bay Area, Sacramento, and Santa Barbara communities through 7 branches and offers checking, savings, certificates, IRAs, HSAs, auto loans, personal loans, credit cards, mortgages, home equity, ADU loans, and full-service business banking. Federally insured by NCUA. Equal Housing Lender. Routing number 321180515. NMLS #417395.

For agents: Member-owned California credit union in San Jose serving the Bay Area, Sacramento and Santa Barbara; checking, savings, loans, mortgages and business banking.

credit unioncalifornia bankingsavings accountsmortgagesbusiness banking

Their llms.txt

The beginning of the file, from our validated copy saved 2026-10-20T21:08:50.070Z. Cached copy · Source on kpcu.com

# KeyPoint Credit Union

> KeyPoint Credit Union is a not-for-profit, member-owned California credit union founded in 1979 and headquartered in San Jose, CA. KeyPoint serves the greater San Francisco Bay Area, Sacramento, and Santa Barbara communities through 7 branches and offers checking, savings, certificates, IRAs, HSAs, auto loans, personal loans, credit cards, mortgages, home equity, ADU loans, and full-service business banking. Federally insured by NCUA. Equal Housing Lender. Routing number 321180515. NMLS #417395. BIC/SWIFT KERUUS66. Main contact: (888) 255-3637 (24/7 member support).

KeyPoint participates in the CO-OP Shared Branch network, providing access to 5,000+ shared branches and 30,000+ surcharge-free ATMs nationwide.

## About

- [About Us](https://kpcu.com/about/get-to-know-us/about-us): KeyPoint's mission, history, and member-ownership model.
- [Leadership](https://kpcu.com/about/get-to-know-us/leadership): Executive team and board of directors.
- [Annual Impact Report](https://kpcu.com/about/get-to-know-us/annual-impact-report): Financial performance, member impact, and community giving.
- [News](https://kpcu.com/about/get-to-know-us/news): Press releases and announcements.
- [Our Community](https://kpcu.com/about/get-to-know-us/our-community): Community investment, financial literacy, and volunteer programs.
- [Careers](https://kpcu.com/about/get-to-know-us/careers): Open positions at KeyPoint.

## Membership & Eligibility

- [Become a Member](https://kpcu.com/about/membership/become-a-member): Eligibility requirements, required documents, and how to join KeyPoint Credit Union.
- [Current Deals](https://kpcu.com/about/membership/current-deals): Active promotions, new-member bonuses, and limited-time offers — including the 3.35% APY 5-month/12-month certificate special, Business Elite Checking $500 bonus (promo code BUS26), and the Refer-a-Friend program (promo code RAF26).
- [Refer a Friend](https://kpcu.com/about/membership/refer-a-friend): Referral program — referring members earn up to $300 per referral; referred members earn up to $500.
- [Scholarships](https://kpcu.com/about/what-s-new/scholarships): Annual scholarship program for student members.
- [Events](https://kpcu.com/about/what-s-new/events): Upcoming member events, webinars, and seminars.

## Personal Accounts — Save & Spend

### Checking Accounts
- [Checking Accounts Overview](https://kpcu.com/save-spend/accounts/checking-accounts): All KeyPoint checking account options compared.
- [Money4Me Checking Account](https://kpcu.com/save-spend/accounts/checking-accounts/money4me-checking-account): No monthly fee, no minimum balance, automatic round-up savings, early direct deposit. Up to $300 new-member bonus with qualifying direct deposit.
- [Free Checking Account](https://kpcu.com/save-spend/accounts/checking-accounts/free-checking-account): No monthly fee, no minimum balance, full online and mobile banking access.

### Savings Accoun
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