Credit union · NCUA insured
KeyPoint Credit Union
A $1.7B credit union, the 293rd largest of 4,329, headquartered in San Jose, CA, with 55,225 members and 7 branches in California. Best rates: savings 0.10% APY.
KeyPoint Credit Union Carrot Score
63
Carrot Score
Higher than 8% of U.S. banks and credit unions
#36 of 39 in San Jose, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About KeyPoint Credit Union
Founded in 1979 as AEA Credit Union to serve technology industry employees, KeyPoint Credit Union is a 100% member-owned financial cooperative.
The credit union operates branch locations in Cupertino, Dublin, Goleta, Milpitas, Santa Clara, and San Jose, California.
- Headquarters
- 2150 Trade Zone Blvd, San Jose, CA 95131-1730
- NCUA charter
- 65299
Branches
7 branches in California
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California
7 branches
San Jose area · 5
- Cupertino Branch10815 N Wolfe Rd Ste 100, Ste C, Cupertino, CA 95014Directions
- Milpitas Town Center Branch573 E Calaveras Blvd, Milpitas, CA 95035Directions
- Brokaw Commons Branch1055 E Brokaw Rd, Suite 10, San Jose, CA 95131Directions
- Santa Teresa Branch7030 Santa Teresa Blvd, Ste 10, San Jose, CA 95139Directions
- Santa Clara Branch3556 La Rambla Ave, Santa Clara, CA 95051Directions
San Francisco area · 1
- Dublin7901 Amador Valley Blvd, Dublin, CA 94568Directions
Santa Maria area · 1
- Goleta branch7062 Market Place Dr, Goleta, CA 93117Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.06% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.36% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.29% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $98 | $88 | — |
- CapitalNet worth ratio9.06%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.36%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.29%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$98Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of KeyPoint Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.