Credit union · NCUA insured
KeyPoint Credit Union CD Rates
KeyPoint Credit Union’s best CD rate is 4.00% APY on a 1-year share certificate (CD), with extra requirements. Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How KeyPoint Credit Union’s CD rates compare
Compared with banks and credit unions near San Jose, CA, where KeyPoint Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
KeyPoint Credit Union
4.00%APY
- Term
- 12 months
- Requires
- Conditions apply
- Minimum
- $500
- Earns on $10,000
- $400
Certificate
Top rate
Stanford Federal Credit Union
4.75%APY
- Term
- 60 months
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000
- $2,612
2nd-highest rate
HSBC USA
4.60%APY
- Term
- 24 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $941
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificate
4.40%APY on $10,000
Early withdrawal penalties apply. Dividends compound and are paid monthly and/or at maturity. $500 minimum balance to open, maintain, and earn dividends on standard and special term certificates.
| Part of the balance | Rate on that part |
|---|---|
| $500 – $2,500 | 6.79% |
| $2,500 and up | 3.93% |
On $10,000 the tiers blend to about 4.40% APY, earning $440 a year.
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
IRA Certificate
4.40%APY on $10,000
Traditional and Roth IRA certificates. Federally insured up to $250,000 by NCUA. Early withdrawal penalties apply. $500 minimum balance to open, maintain, and earn dividends on standard and special term certificates.
| Part of the balance | Rate on that part |
|---|---|
| $500 – $2,500 | 6.79% |
| $2,500 and up | 3.93% |
On $10,000 the tiers blend to about 4.40% APY, earning $440 a year.
Sources (2)
All captured Oct 16, 2026
Who can join KeyPoint Credit Union
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