Keypoint Goleta CA Credit Union | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Keypoint at the Goleta Branch, where we're dedicated to serving our community with trust and reliability. Nestled in the heart of Goleta, California, at 7062 Market Place Dr, we have been providing valuable financial services since 1979. Our commitment to our members is evident through our robust offerings, including personal banking, auto loans, mortgage options, and business financing. With a proud membership base of over 53,678, we understand the importance of personalized service. Our branch is part of a larger network that boasts total assets exceeding $1.65 billion and total deposits reaching an impressive $100.6 million. We believe in empowering our members by providing them with the tools they need to achieve their financial goals. Under the leadership of CEO T. Bradford Canfield and Board President Gary Garcia, our team of 181 employees is here to assist you every step of the way. Whether you are looking for a loan or need help managing your finances, we are committed to making your experience as smooth as possible. While members can visit us at our branch location, official correspondence should be sent to 7062 Market Place Dr, Goleta, CA 93117-5902. Our friendly staff is ready to help you during our operating hours: Monday, Tuesday, and Thursday from 9 AM to 5 PM; Wednesday from 10 AM to 5 PM; Friday from 9 AM to 6 PM; and Saturday from 9:30 AM to 2 PM. Join us at Keypoint for a banking experience that prioritizes you. For more information or assistance, feel free to reach out at 805-968-1499 or visit us online at kpcu.com. Together, let's build a brighter financial future!

Branch History & Mission

Join Us

As we look towards the future, Keypoint remains committed to being a pillar of support in Goleta and the surrounding areas. Whether you are looking for reliable banking services or want to get involved in community initiatives, we invite you to join us. Experience the benefits of membership at Keypoint today! For more information or assistance, feel free to call us at 805-968-1499 or visit our website at kpcu.com. Together, let's build a brighter future!

Our Mission

At Keypoint, our mission is clear: we aim to empower our members through exceptional financial services while actively contributing to the local community. We believe that when our members thrive, so does the community around us. That's why we not only offer personal banking solutions like checking and savings accounts but also vehicle loans, mortgages, business loans, and credit cards with rewards. We take pride in being more than just a financial institution; we are dedicated partners in our members' journeys toward achieving their financial goals. This dedication extends beyond numbers our community outreach programs reflect our commitment to making a positive impact on the lives of those around us. While members can visit us at 7062 Market Place Dr, official correspondence should be sent to 7062 Market Place Dr, Goleta, CA 93117-5902.

Our Story

Keypoint was founded with a simple mission: to provide accessible and affordable financial services to our members while fostering a sense of community. From our humble beginnings, we've continuously evolved to meet the needs of those we serve. We've embraced advancements in technology to offer convenient online banking and mobile services while ensuring that our physical branch remains a welcoming place for personal interactions. Our branch is equipped with an ATM for easy access to your funds, making banking more convenient for everyone in Goleta. Though we do not have drive-thru services, our lobby hours are designed to accommodate busy schedules open Monday, Tuesday, and Thursday from 9 am to 5 pm; Wednesday from 10 am to 5 pm; Friday from 9 am to 6 pm; and Saturday from 9:30 am to 2 pm.

Branch Location & Accessibility

Accessibility and Parking

At Keypoint, we understand that accessibility is essential. Our branch is fully ADA compliant, featuring ramps and wide entryways to ensure everyone can visit us with ease. Ample parking is available right outside our doors, making it simple for you to stop by whether you're running errands or coming in for a more detailed financial discussion.

Operating Hours

We strive to accommodate your busy schedule with flexible operating hours. You can visit us Monday, Tuesday, and Thursday from 9 AM to 5 PM, while Wednesday hours are slightly later from 10 AM to 5 PM. On Fridays, we extend our hours until 6 PM, and we're open on Saturdays from 9:30 AM to 2 PM. Whether you're looking to open an account or need assistance with loans or services, we're here when you need us!

Services Offered

Keypoint Credit Union proudly provides a range of personal banking services including checking and savings accounts, auto loans, mortgage financing, and credit cards with rewards. We also support local businesses with merchant services and business loans. For those on the go, enjoy online and mobile banking options along with convenient ATM access for cash withdrawals. If you have any questions or need assistance before your visit, feel free to reach out to us at 805-968-1499. We look forward to welcoming you at our Goleta Branch your community partner in achieving financial success!

Member Eligibility

Joining the Keypoint family means becoming part of a supportive community that values you. If you live, work, or worship in the area, or if you have a family member who is already a member, you're likely eligible to join us at our Goleta branch located at 7062 Market Place Dr Goleta Ca 93117. We believe everyone deserves access to friendly financial services, and by becoming a member, you'll enjoy lower fees and competitive rates on loans and savings accounts. It's easy to get started! You can find more details about our eligibility criteria at https://www.kpcu.com/membership, which provides all the information you need to see if you qualify. When you're ready to open an account, just visit us online at https://www.kpcu.com/apply-for-a-loan, or give us a call at (805) 968-1499 for any questions. We look forward to welcoming you into our community!

Business Banking & Commercial Services

Merchant Services That Empower

Imagine having the tools you need to accept payments seamlessly and manage transactions effortlessly. Our merchant services allow businesses to focus on what they do best while we handle the payments. Whether you're selling online or in-store, our reliable services help streamline your operations and enhance customer satisfaction. Visit us at 7062 Market Place Dr Goleta Ca 93117 in Goleta, CA, or call us at (805) 968-1499 to learn how we can help your business thrive!

Tailored Lending Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $278 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $23 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $159,966,310, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking

For our local entrepreneurs, we offer Business Banking services including Merchant Services and Business Loans. Whether you're launching a startup or expanding an existing venture, we provide the financial tools necessary for growth.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we have invested in robust Online & Mobile Banking platforms that let you manage your finances anytime and anywhere. With features like ATM access for cash withdrawals and balance checks, as well as person-to-person payment options, staying on top of your finances has never been easier.

Credit Card Benefits

Looking for rewards on your purchases? Our Credit Cards with Rewards program offers just that! Earn points on everyday spending while enjoying the security and convenience of credit.

Personal Banking Solutions

Starting with personal banking, we offer Checking & Savings Accounts designed to help you manage your money effectively. Imagine having easy access to your funds and the ability to save effortlessly our accounts come with user-friendly features that make banking a breeze. When it comes to financing, our Auto Loans & Vehicle Financing options are perfect for those ready to hit the road. With competitive rates and flexible terms, we help members drive off in their dream vehicles without breaking the bank. For those dreaming of homeownership, we provide Mortgage Loans & Refinancing services. Our knowledgeable staff can guide you through the process, ensuring that you understand every step along the way. Additionally, if you're facing unexpected expenses or planning a big purchase, our Personal Loans & Debt Consolidation solutions can help lighten your financial load by combining multiple debts into one manageable payment.

Shared Branch Transactions

If you're a member of another credit union, you'll appreciate our commitment to collaboration. We facilitate Basic Shared Branch Transactions, allowing partner credit union members to make deposits and withdrawals at our branch. At Keypoint, we're more than just a credit union; we're a community partner dedicated to helping you achieve your financial goals. If you're ready to explore how our services can benefit you, don't hesitate to reach out! Call us at (805) 968-1499 or visit us in person at 7062 Market Place Dr Goleta Ca 93117. Together, let's build a brighter financial future!

Digital & Online Banking

Accessibility Anytime

Our commitment to member convenience is reflected in our 24/7 online banking services. You can log in whenever it suits you and manage your finances without any time constraints. Plus, while we don't currently have a dedicated mobile application, our website is fully optimized for mobile use so you can still enjoy all these features right from your smartphone or tablet. In summary, at Keypoint, we strive to provide accessible and user-friendly digital banking options that empower our members to take control of their financial lives with confidence and ease. Visit us today at https://kpcu.com/ and discover how simple managing your money can be!

Key Features

One of the standout features of our online banking is e-statements, which allow you to receive your account statements electronically. This not only helps reduce paper clutter but also provides a more secure way to access your financial information. You can also take advantage of mobile payments, making transactions quick and hassle-free right from your smartphone. For those who need to send money quickly to friends or family, our person-to-person transfer service makes it easy to send funds instantly. And if you're ever unsure about signing documents digitally, you'll appreciate that we currently do not require electronic signature authorization, simplifying the process even further.

Financial Strength

A Solid Foundation

With a net worth of $151,872,383, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $911 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Commitment to Growth

With $143,564,383 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our capacity to support your financial goals is clear with $3,166 in used auto loans and $1,265,144,344 in total loans and leases.

Growing Together

Our net shares amount to $1,678,635, which indicates the funds available for lending and investments. With a strong member base represented by 79,979 total share accounts, you can trust that Keypoint is dedicated to your financial success. In conclusion, our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Keypoint is your trusted partner. Visit us at 7062 Market Place Dr Goleta Ca 93117 or call (805) 968-1499 to learn more about how we can help you achieve your financial goals.

Member Savings at Work

Members' savings are secured through $381,459,134 in share certificates and $180,976,786 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $42,496,806, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our net income of $0, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 180 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $64,602,022 in used vehicle loans and $69,792,524 in new vehicle loans already helping members get on the road. We provide flexible options and competitive interest rates to make your vehicle purchase as affordable as possible.

Business Loans

For business owners, our outstanding commercial loans totaling $159,966,310 provide the capital needed to grow and expand. We understand the challenges faced by small businesses and are here to support you every step of the way. With diverse loan offerings and personalized service from our dedicated team at Keypoint, located at 7062 Market Place Dr Goleta Ca 93117, Goleta, CA 93117, we're committed to helping you find the right financial solution. For more information or to start your application today, give us a call at (805) 968-1499. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $12,215,954 in loans helping members manage their finances effectively. Our credit cards come with various features designed to fit your lifestyle, whether you're looking for rewards or straightforward usage.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $122,543,209, make buying or refinancing simple. We guide you through every step of the process so you can feel confident in your decision. If you're considering refinancing, our team can help you explore the best options available.

Loan Aggregator

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How LendMesh Ensures Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This ensures that the offers presented are fair and transparent. Each lender included in the comparison tool has been verified, giving users confidence in the integrity of the information they receive.

Keypoint