Credit union · NCUA insured
KeyPoint Credit Union Credit Card Rates
KeyPoint Credit Union credit cards start at 13.49% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How KeyPoint Credit Union’s credit card rates compare
Compared with banks and credit unions near San Jose, CA, where KeyPoint Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
KeyPoint Credit Union
13.49%APR
- Up to
- 21.49% APR
Visa Platinum Rewards
Lowest rate
Star One Credit Union
8.75%APR
- Up to
- —
2nd-lowest rate
F3 Credit Union
8.99%APR
- Up to
- —
KeyPoint Credit Union credit card score
66
Credit card score
Higher than 15% of U.S. banks and credit unions
- Purchase APRPurchase APR13.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where KeyPoint Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
KeyPoint Visa Secured Credit Card
Membership required. All credit subject to approval. Credit line secured by funds on deposit to help establish positive credit history.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.49%–21.49% | None | Variable APRs from 13.49% to 21.49%. Balance transfer fee 4%. |
Sources (1)
- kpcu.com/borrow/loans/credit-c…visa-classic-credit-card · captured Oct 16, 2026
Visa Classic
Membership required. All credit subject to approval. Ideal for establishing credit. Credit limits range from $500 to $25,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 16 months | 0.00% | None | 0% intro APR for 16 months on all balance transfers completed within 60 days after account opening. |
| Ongoing | 19.49%–21.49% | None | Variable APR on balance transfers thereafter based on Prime Rate plus a margin. |
Sources (2)
All captured Oct 16, 2026
Visa Platinum
Membership required. All credit subject to approval. Perfect for purchases and consolidating debt. Credit limits range from $500 to $25,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 16 months | 0.00% | None | 0% intro APR for 16 months on all balance transfers completed within 60 days after account opening. |
| Ongoing | 13.49%–22.49% | None | Variable APR on balance transfers thereafter based on Prime Rate plus a margin. |
| Ongoing | 14.24%–23.24% | None | Variable APR on balance transfers thereafter. |
| Ongoing | 14.24%–24.24% | None | Variable purchase APR. |
| Ongoing | 13.49%–22.49% | None | Variable cash advance APR. 3% cash advance fee. |
Sources (2)
All captured Oct 16, 2026
Visa Platinum Cash Rewards
Membership required. All credit subject to approval. Earn 1.5% cash rewards on net purchases. Credit limits range from $500 to $25,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 9 months | 0.00% | None | 0% intro APR on all purchases for the first 9 months. |
| Ongoing | 16.49%–25.49% | None | Variable APR on purchases thereafter based on Prime Rate plus a margin. |
| Ongoing | 17.24%–26.24% | None | Variable APR on purchases thereafter. |
| Ongoing | 16.49%–25.49% | None | Variable cash advance APR. 3% cash advance fee. |
Sources (2)
All captured Oct 16, 2026
Visa Platinum Rewards
Membership required. All credit subject to approval. For every $1 of net purchases, earn a point towards rewards. Credit limits range from $500 to $25,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 16 months | 0.00% | None | 0% intro APR for 16 months on all balance transfers completed within 60 days after account opening. |
| Ongoing | 13.49%–22.49% | None | Variable APR on balance transfers thereafter based on Prime Rate plus a margin. |
| Ongoing | 14.24%–23.24% | None | Variable APR on balance transfers thereafter. |
| Ongoing | 13.49%–21.49% | None | Variable purchase APR. |
Sources (2)
All captured Oct 16, 2026
Who can join KeyPoint Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.