KeyPoint Credit Union’s dedication to enhancing people’s financial well-being and personal lives is reflected in the products and services they provide. They take pride in their mission to serve anyone who lives, works, attends school or worships in one of the following Counties: Santa Clara, Alameda, El Dorado, Placer, San Mateo, Sacramento, Santa Barbara,... show more
Eligibility
Find out if you are eligible to join KeyPoint Credit Union.
KeyPoint Credit Union Reviews
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21%
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2.9
24 reviews
24 reviews
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KeyPoint Credit Union
Daniel Broughton @numunee
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5 Star Rating
I wanted to take the time to recognize Shaunice and her awesome customer service at KPCU Dublin. I regularly go into the Dublin branch and the service is always exceptionally good, but this time it was amazing. My account had been compromised and my wallet was missing. I needed to set up so many things and it was overwhelming, but not for Shaunice. I left feeling relieved and, most importantly, my business never missed a beat! Thanks, Shaunice!
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Product: KeyPoint Credit Union Checking
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KeyPoint Credit Union
getoutmypc @getoutmypc
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1 Star Rating
bait and switch when comes to pre-approvals on their system, very disingenuous. do not apply thinking you will be approved even if their system states you will be.
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Product: KeyPoint Credit Union Credit Cards
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KeyPoint Credit Union
whuser66651290 @whuser66651290
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1 Star Rating
I opened a keypoint credit card in June 2020. I've made every payment, Set up auto pay on some of my bills only for them to close my credit card because my "revolving credit was too high" which is confusing considering I never had an issue paying my bill
They had no regard for my auto pay
They had no remorse over the phone
They don't care that we're in a pandemic
They only solution was to apply for a new card which seems like a scam to boost their application numbers
This is a complete inconvenience and I felt I was being talked down to over the phone
And their decision is final
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Product: KeyPoint Credit Union Credit Cards
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KeyPoint Credit Union
Louis d @puunene
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1 Star Rating
KeyPoint is a trustworthy and honorable banking institution that respects its customers and knows how to resolve disputed issues quickly and reliably. I am happy to report that I can highly recommend KeyPoint Credit Union.
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Product: KeyPoint Credit Union Car Loans
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KeyPoint Credit Union
Cj Adams @c_adams2012
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1 Star Rating
I refinanced my car with Keypoint over a year ago. I make all my payments on time never late never missed. Last month my car loan payment was raised by almost $100 by a false claim that was made by Keypoint insurance. It was an on going issue for 6 months now. I called over and over for months(weekly waiting for calls back) proving they were lying and to have the increased car loan decreased back to the original amount. Each person gave me the run around and promised call backs but never called. I still continued to pay my normal car loan amount and because I wouldn't pay the increase they put it on my credit score that I have failed to make ANY payments. Which is a huge lie. My credit score dropped I've been getting harassing letters in the mail saying they will take my car. Even though I have made ALL my payments in time. Finally, I got through to a manager who fixed and removed the false claims and apologized, he also refunded my loan the increase they put on my loan. Now my car loan is back to normal but the last few months of stress can not be fixed. But they never contacted the credit Bureau to fix that saying I did make my payments. They have made my life hell the past few months, ruined my credit, stressed out my family, and I was crying constantly. Even though my loan has been fixed what they did was wrong. I would never recommend anyone to this place for a loan. Ive never experienced anything like this before, it was insane.
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Product: KeyPoint Credit Union Car Loans
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KeyPoint Credit Union
Tyler Wray @alaskansky
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5 Star Rating
I've been with Keypoint Credit Union for the last four years. They have been a great credit union to work with during this time. I've been quite happy with my checking and savings accounts. They have been transparent with pricing and I have not received any unexpected charges or fees as I had with Bank of America (my previous bank). They lack some of the newer features, such as mobile banking / check deposits, but there service has been fantastic.
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KeyPoint Credit Union
Bob Suta @KnightFall
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5 Star Rating
I've been a customer of Keypoint Credit Union for over 15 years (I signed up back when they were AEA Credit Union). I've been extremely happy with them overall. The customer service is just great. Although their online banking system means I rarely need to visit a branch in person, the few times I do go in they always greet me cheerfully and politely. They always treat me like I'm a valued customer even though I frankly don't have that much money in the bank. For example, I went in to buy some traveler's checks and they waived the usual 1% service fee for American Express traveler's checks. They didn't have to do that and it was very nice of them. And more importantly, I've never gotten hit with any unexpected or hidden fees on my account. Online bill pay is included free with my account and the payments have always been sent quickly and accurately. I've never had a single problem with their online banking system. It's just what you want from a bank: no surprises. I highly recommend them.
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+ 17 WalletHub users submitted a rating without writing a full review
Get answers to your questions about KeyPoint Credit Union below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
The KeyPoint Credit Union Visa Classic Credit Card is available to people with limited credit. That means you do not need to have a credit score to get approved for the KeyPoint Credit Union Visa Classic Credit Card.
Note that there are plenty of other things that will impact your chances of being approved for the KeyPoint Classic Credit Card, too. Some other key criteria include your income, existing debt load, recent credit inquiries, number of open accounts, housing status, and employment status. You can check your credit score for free on WalletHub.
Yes, the KeyPoint Credit Union Visa Classic Credit Card does a hard inquiry on your credit report when you apply. A hard inquiry usually results in a slight decrease in an applicant's credit score, but the effect only lasts for a short period of time. The hard inquiry allows KeyPoint Credit Union to determine your credit risk and ultimately decide whether you'll be approved for an account.
You can check your credit score by signing up for a free WalletHub account. You'll have...
The KeyPoint Credit Union Visa Classic Credit Card balance transfer limit is equal to the card's overall credit limit, which varies for each cardholder based on their credit history and income. If you try to transfer a balance that is greater than your limit, the transfer may be declined or only approved up to your limit. Keep in mind that you'll also need to factor in a balance transfer fee, which counts against the transfer limit.
You can get pre-approved for the KeyPoint Classic Credit Card online, on KeyPoint's website. Potential applicants can use this online tool to check their odds of approval for certain KeyPoint credit cards before they actually apply for one. Current KeyPoint Credit Union customers may also receive pre-approved offers periodically, online or by mail.
Getting pre-approved for a KeyPoint Classic Credit Card indicates that your chances of being approved for an account are very high, should you decide to apply. It does not mean...
The easiest way to apply for the KeyPoint Classic Credit Card is online, and you can get to the online application by clicking the “Learn More” button on WalletHub or by going directly to KeyPoint Credit Union's website. Alternatively, you can apply in person or by phone.
Keep in mind that the KeyPoint Classic Credit Card requires limited credit, which means you need a less than 3 years of credit history+ credit score for high approval odds. Also note that applying for the card triggers a...
The starting credit limit for the KeyPoint Visa Classic card will be determined based on your credit score, income, debts and overall creditworthiness.
But usually credit cards for people with fair credit tend to have starting credit limits between $300-$2,000.
You have chances of increasing your credit limit when you pay at least 6 consecutive monthly bills on time, or if your credit score or income have improved since account opening.
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