KeyPoint Credit Union Savings & Money Market Rates

How KeyPoint Credit Union’s savings 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
0.10%APY
Requires
None
Minimum
$1,000
Earns on $10,000 a year
$10
Money Market Account
Top rate
HSBC USA
4.40%APY
Requires
Monthly account activity
Minimum
—
Earns on $10,000 a year
$440
HSBC USA rates
2nd-highest rate
EverBank
4.20%APY
Requires
None
Minimum
$0
Earns on $10,000 a year
$420
EverBank rates

Compare savings rates near you →

Savings score

Higher than 21% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.05%
$10,000 balance$10,0000.10%
$100,000 balance$100,0001.76%
QualifiedQualified0.23%

Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.

How the score works →

Where KeyPoint Credit Union ranks

By savings score, in each area where it has branches

Every rate

Current savings rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

Performance Money Market

0.50%APY$25,000 to open

Minimum balance to open is $25,000, and 25% of funds must be new money (not transferred from another KeyPoint account). No monthly fee. Variable rates.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $25,000Minimum $25,000 opening deposit (25% must be new deposits at KeyPoint).	0.50%	$50	Minimum $25,000 opening deposit (25% must be new deposits at KeyPoint).
$25,000 – $50,000Minimum $25,000 opening deposit (25% must be new deposits at KeyPoint).	0.75%	—	Minimum $25,000 opening deposit (25% must be new deposits at KeyPoint).
$50,000 – $100,000Minimum $25,000 opening deposit (25% must be new deposits at KeyPoint).	1.26%	—	Minimum $25,000 opening deposit (25% must be new deposits at KeyPoint).
$100,000 – $250,000Minimum $25,000 opening deposit (25% must be new deposits at KeyPoint).	1.76%	—	Minimum $25,000 opening deposit (25% must be new deposits at KeyPoint).
$250,000 – $500,000Minimum $25,000 opening deposit (25% must be new deposits at KeyPoint).	2.02%	—	Minimum $25,000 opening deposit (25% must be new deposits at KeyPoint).
$500,000 and upMinimum $25,000 opening deposit (25% must be new deposits at KeyPoint).	2.27%	—	Minimum $25,000 opening deposit (25% must be new deposits at KeyPoint).

Sources (2)

All captured Sep 16, 2026

QuickStart Savings Account

0.23%APY on $10,000Requirements apply$10 to open

First $5,000 deposited must be savings not currently at KeyPoint (new money). Must have active checking account (defined as at least three transactions per month: deposits, withdrawals, debit card transactions; posting of earnings do not apply). One account per member. KeyPoint Membership required.

Part of the balance	Rate on that part
Up to $2,000	0.50%
$2,001 – $5,000	0.25%
$5,001 – $10,000	0.10%
$10,001 – $50,000	0.10%
Over $50,000	0.10%

On $10,000 the tiers blend to about 0.23% APY, earning $23 a year.

Sources (3)

All captured Oct 16, 2026

Money Market Account

0.10%APY$1,000 to open

Balances under $1,000 earn regular savings rate. Minimum $1,000 opening deposit. $10 monthly fee waived by keeping minimum monthly balance of at least $1,000. Variable rates.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$1,000 – $10,000Avoid $10 monthly fee by keeping minimum monthly balance of at least $1,000. Balances under $1,000 earn regular savings rate.	0.05%	—	Avoid $10 monthly fee by keeping minimum monthly balance of at least $1,000. Balances under $1,000 earn regular savings rate.
$10,000 – $25,000Avoid $10 monthly fee by keeping minimum monthly balance of at least $1,000.	0.10%	$10	Avoid $10 monthly fee by keeping minimum monthly balance of at least $1,000.
$25,000 – $50,000Avoid $10 monthly fee by keeping minimum monthly balance of at least $1,000.	0.15%	—	Avoid $10 monthly fee by keeping minimum monthly balance of at least $1,000.
$50,000 and upAvoid $10 monthly fee by keeping minimum monthly balance of at least $1,000.	0.20%	—	Avoid $10 monthly fee by keeping minimum monthly balance of at least $1,000.

Sources (3)

All captured Sep 16, 2026

Membership Savings Account

0.05%APY$10 to open

KeyPoint Membership required; must be in KeyPoint's field of membership and meet other eligibility requirements. Surcharge-free ATM access.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $50,000Variable rate. Dividends compounded and paid monthly, calculated by the daily balance method.	0.05%	$5	Variable rate. Dividends compounded and paid monthly, calculated by the daily balance method.
$50,000 and upVariable rate. Dividends compounded and paid monthly, calculated by the daily balance method.	0.10%	—	Variable rate. Dividends compounded and paid monthly, calculated by the daily balance method.

Sources (3)

All captured Oct 16, 2026

Smart Savings Account

0.05%APY

Free e-Statements ($2 per month for paper statements). Avoid $5 monthly fee by maintaining minimum balance of $10.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $50,000Avoid $5 monthly fee by maintaining minimum balance of $10. Variable rate. Dividends compounded and paid monthly, calculated by the daily balance method.	0.05%	$5	Avoid $5 monthly fee by maintaining minimum balance of $10. Variable rate. Dividends compounded and paid monthly, calculated by the daily balance method.
$50,000 and upAvoid $5 monthly fee by maintaining minimum balance of $10. Variable rate. Dividends compounded and paid monthly, calculated by the daily balance method.	0.10%	—	Avoid $5 monthly fee by maintaining minimum balance of $10. Variable rate. Dividends compounded and paid monthly, calculated by the daily balance method.

Sources (3)

All captured Oct 16, 2026

Special-purpose accounts

Contributory IRA Flex Money Market

0.20%APYIRA

Contributory Flex IRA accounts have a variable rate. Dividends compounded and paid monthly.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
$10,000 – $25,000	0.20%	$20
$25,000 – $50,000	0.25%	—
$50,000 and up	0.30%	—

Sources (1)

kpcu.com/rates/checking-and-savings-rates · captured Sep 16, 2026

Coverdell Education Savings Account

0.25%APY · 1 termIRAFrom $25 to open

Tax-free asset growth for education costs. Eligible individuals may contribute up to $2,000 per year on behalf of a child up to age 18. Contribution limits and income guidelines apply. KeyPoint Membership required.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
6 monthsFixed rate. Minimum $25 balance. Dividends are compounded and paid monthly and/or at maturity, calculated by daily balance method	0.25%	$12

Sources (3)

All captured Oct 16, 2026

Health Savings Account

0.25%APYHSA

Designed for High-Deductible Health Plans. Tax-advantaged savings for qualified medical expenses. Debit card available. KeyPoint Membership required.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceApplies to any balance. Variable rate. Dividends compounded and paid monthly, calculated by daily balance method.Any balance	0.25%	$25	Applies to any balance. Variable rate. Dividends compounded and paid monthly, calculated by daily balance method.

Sources (2)

All captured Oct 16, 2026

Contributory IRA Flex Savings

0.10%APYIRA$100 to open

Traditional and Roth IRA options. KeyPoint membership required.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$100 – $50,000Dividends calculated by daily balance method.	0.10%	$10	Dividends calculated by daily balance method.
$50,000 and upDividends calculated by daily balance method.	0.15%	—	Dividends calculated by daily balance method.

Sources (2)

All captured Oct 16, 2026

Kids Savings Account

0.05%APYKids and teens$10 to open

For kids 17 and younger. Must have a financially responsible adult joint owner on account. Converts to Smart Savings account at age 18. Free account with eStatements; $2 monthly fee for paper statements. KeyPoint Membership required.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $50,000Minimum balance to maintain account is $0; minimum balance to earn dividends is $0.01. Variable rate. Dividends compounded and paid monthly, calculated by daily balance method.	0.05%	$5	Minimum balance to maintain account is $0; minimum balance to earn dividends is $0.01. Variable rate. Dividends compounded and paid monthly, calculated by daily balance method.
$50,000 and upMinimum balance to maintain account is $0; minimum balance to earn dividends is $0.01. Variable rate. Dividends compounded and paid monthly, calculated by daily balance method.	0.10%	—	Minimum balance to maintain account is $0; minimum balance to earn dividends is $0.01. Variable rate. Dividends compounded and paid monthly, calculated by daily balance method.

Sources (3)

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.

Visit institution website ↗Branches and institution details

← KeyPoint Credit Union overview

How KeyPoint Credit Union’s savings rates compare

KeyPoint Credit Union savings score

Current savings rates

Performance Money Market

QuickStart Savings Account

Money Market Account

Membership Savings Account

Smart Savings Account

Special-purpose accounts

Contributory IRA Flex Money Market

Coverdell Education Savings Account

Health Savings Account

Contributory IRA Flex Savings

Kids Savings Account

Who can join KeyPoint Credit Union