Keypoint Milpitas CA Credit Union | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Keypoint, your trusted financial partner since 1979! Located at 573 E Calaveras Blvd, Milpitas, CA 95035, our Milpitas Town Center Branch is dedicated to serving our vibrant community with a range of banking solutions tailored just for you. With over 53,678 members and total assets reaching an impressive $1,659,313,255, we are proud to provide personalized service that you can count on. At Keypoint, we understand that financial decisions can be daunting. That's why our friendly team is here to guide you every step of the way. Whether you're looking for auto loans, mortgages, or simply want to open a checking account, we've got you covered with competitive rates and expert advice. Our commitment goes beyond numbers; it's about building lasting relationships in Milpitas and beyond. Our CEO, T. Bradford Canfield, along with Board President Gary Garcia, leads a dedicated team of 181 employees who are passionate about helping our members achieve their financial goals. With total deposits of $100,612,202 and cash in hand amounting to $14,427,570, we ensure that your money is safe and sound. While members can visit us at our branch for all their banking needs, official correspondence should be sent to the same address: 573 E CALAVERAS BLVD, Milpitas, CA 95035. We're also reachable by phone at (408) 731-4100 during our convenient hours: Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9:30 AM to 2 PM. Join us today and discover why so many people trust Keypoint with their finances! Visit our website at kpcu.com or give us a call we're excited to assist you on your financial journey!

Branch History & Mission

Join Us Today!

As we look towards the future, we invite you to join Keypoint and experience firsthand how we can help you achieve your financial goals. Explore our services online or call us at (408) 731-4100 for more information. Together, let's build a brighter financial future!

Our Evolution

Over the years, Keypoint has grown significantly, now boasting a membership of over 53,678 members and total assets reaching an impressive $1,659,313,255. This growth reflects not just our commitment to financial excellence but also our dedication to the people we serve. We've evolved with the times while maintaining our core values of community support and member service. Our journey has been marked by milestones that include expanding our range of services from basic savings accounts to comprehensive financial solutions like auto loans, mortgages, and business banking services. We understand that convenience matters. While we don't have a drive-thru service, we do offer ATM availability for quick access to your funds. Our operating hours are designed to fit your schedule: Monday through 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.

Our Mission

At Keypoint, our mission is simple yet profound: we strive to provide exceptional financial services while fostering strong relationships within our community. We believe in empowering our members with the tools they need for financial success. Whether it's offering competitive loan rates or creating educational resources about money management, we are here for you every step of the way. We also recognize the importance of giving back. Our partnerships with local organizations allow us to contribute positively to various initiatives that uplift our community. We actively engage in outreach efforts that align with our values of integrity and service. While members can visit us at 573 E Calaveras Blvd Milpitas Ca 95035, official correspondence should be sent to 573 E CALAVERAS BLVD, Milpitas, CA 95035.

Branch Location & Accessibility

Accessible Services and Features

Finding us is a breeze! Our location offers ample parking, ensuring that you can easily access our services without any hassle. The branch is also designed with accessibility in mind, featuring ADA-compliant ramps and entrances so everyone can feel comfortable visiting us. We are here to serve you during our friendly 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. Whether you're looking to open a new account or need assistance with a loan, our dedicated staff is ready to help you during these hours.

Banking Convenience

In addition to our welcoming environment, we provide a variety of essential banking services tailored just for you. Enjoy the convenience of ATM access right on-site, allowing you to make withdrawals and check balances effortlessly. Although we do not currently offer drive-thru banking, our friendly team is always available inside the branch to assist with your needs. While members can visit us at 573 E Calaveras Blvd, official correspondence should be sent to the same address for mailing purposes. If you have any questions or would like more information about our services, please don't hesitate to give us a call at 408-731-4100. We invite you to come by and discover how Keypoint Credit Union can support your financial journey. Your community credit union is here for you!

Member Eligibility

Becoming a member of Keypoint is like joining a close-knit family where everyone supports each other. If you're looking to enjoy personalized financial services, you'll be happy to know that membership is open to anyone who lives, works, worships, or attends school in the Milpitas area. Additionally, family members of current members are also welcome! This means that whether you're just starting your financial journey or looking for ways to enhance your existing plans, we're here to help. As a member of Keypoint, you gain access to a variety of services designed to meet your unique needs like checking and savings accounts, auto loans, and mortgages all tailored with your financial wellness in mind. Getting started is simple! You can check out the full eligibility details on our website at https://www.kpcu.com/membership . When you're ready to take the next step, opening an account is just as easy visit us online at https://www.kpcu.com/apply-for-a-loan or give us a call at (408) 731-4100 for assistance. We can't wait to welcome you to our community at 573 E Calaveras Blvd Milpitas Ca 95035!

Business Banking & Commercial Services

Commercial Loans

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.

Merchant Services

Imagine having a seamless payment solution that allows your customers to pay easily, while you focus on what matters most growing your business. Our merchant services provide just that, ensuring smooth transactions whether you're running a retail shop or an online store. Located at 573 E Calaveras Blvd Milpitas Ca 95035 in Milpitas, CA, we are here to empower your business journey. Reach out to us at (408) 731-4100 to learn more about how we can assist you in achieving your financial goals!

Comprehensive List Of Services

ATM Services

Accessing cash should be simple and straightforward. At Keypoint, we provide ATM services where you can make withdrawals or check balances easily. Our ATMs are conveniently located for your use, ensuring that you can get cash when you need it without hassle. As you explore these services at Keypoint, remember that our friendly staff is always ready to assist you with any questions or needs you may have. We invite you to visit us at 573 E Calaveras Blvd Milpitas Ca 95035 in Milpitas, CA, or give us a call at (408) 731-4100 for personalized assistance. Ready to take the next step? Check out our services online at Milpitas Town Center Branch or stop by today!

Business Banking

For our business members, we know how crucial it is to have reliable banking solutions. Our business banking services include merchant services and business loans designed to support your growth and success. We're committed to providing tools that simplify managing your finances so you can focus more on running your business.

Digital and Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking options that allow you to bank anytime, anywhere. With features like mobile payments and person-to-person transfers, managing your finances has never been easier. You can check balances, transfer funds, and pay bills all from the comfort of your home or on the go.

Loans and Financing

When it comes to financing, we understand that life can bring unexpected expenses or dreams that require funding. That's why we offer various loan options, including auto loans and vehicle financing, as well as mortgage loans and refinancing solutions. If you're considering consolidating debt or making a significant purchase, our personal loans can provide the flexibility you need. Plus, our credit cards come with rewards that add extra value to your everyday purchases.

Personal Banking

Our personal banking services are designed to help you manage your everyday finances effortlessly. Whether you're looking to open a checking or savings account, we offer options that suit every lifestyle. Imagine having a checking account that allows you to easily track your spending while earning interest on your savings. Our team is here to guide you in choosing the right account for your needs.

Digital & Online Banking

Key Features

Stay on top of your finances with features like e-statements. You can access your statements digitally and enjoy the peace of mind that comes from knowing your documents are safe and secure. Plus, with our person-to-person transfer option, sending money to friends or family is as simple as a text message! For those who love the convenience of mobile payments, we've got you covered! You can easily make purchases using your smartphone no need for cash or cards. Although we currently do not have a dedicated mobile application, our website is fully optimized for mobile use so you can bank on the go without any hassle. While we don't offer electronic signature authorization yet, we prioritize keeping your information secure through other robust measures. Our commitment to protecting your data means you can bank confidently. With all these features at your fingertips, managing your finances has never been easier. Experience the future of banking today with Keypoint!

Financial Strength

Community Trust

We proudly manage a total of 79,979 accounts from our valued members. This reflects a strong and growing member base that trusts us with their finances. Additionally, our net shares available for lending stand at $1,678,635, showcasing our ability to provide effective solutions tailored to your needs. 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 573 E Calaveras Blvd Milpitas Ca 95035 or call (408) 731-4100 to learn more about how we can help you achieve your financial goals.

Investment in 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 commitment to lending is evident with $3,166 in used auto loans and a total of $1,265,144,344 in loans and leases available to support your financial goals across various sectors.

Member Savings

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 $0, which allows 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 who are always ready to assist you with their knowledge and dedication.

Our Financial Health

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.

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. Whether you're interested in financing a brand-new model or finding a reliable used vehicle, we provide flexible options that suit your budget. Our team is also available to discuss refinancing options if you want to lower your monthly payments or adjust your loan terms.

Business Financing

For business owners looking for growth opportunities, our outstanding commercial loans totaling $159,966,310 provide the capital needed to expand operations or invest in new projects. Our dedicated staff can assist you in understanding the eligibility requirements and application process. We invite you to explore our loan offerings further by visiting our website at Keypoint. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. Whether you're ready to apply for a loan or need more information on how our services can benefit you, don't hesitate to reach out. Your financial future starts here!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We provide Junior Lien 1-4 Family Residential Properties loans totaling $122,543,209 to support your dream of owning a home. We can guide you through the mortgage process and help identify eligibility options that work for you.

Unsecured Credit Card Loans

Managing finances effectively is crucial in today's world. That's why we offer flexible terms on unsecured credit card loans, with a total of $12,215,954 in loans helping members manage their finances effectively. These cards come with competitive rates and rewards programs to ensure you get value out of every purchase.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. Users can trust that the information they see is reliable. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This means every user receives a level playing field when comparing options. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users have access to the latest offerings. This feature helps them secure the best deals available at any given moment. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness of this tool in helping individuals save money and make better financial choices. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

How LendMesh Ensures Accurate Loan 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 commitment to sourcing data from reputable institutions guarantees that users receive fair and transparent offers. Each loan comparison reflects current market conditions, allowing users to make informed decisions based on accurate information.

KEYPOINT CREDIT UNION - Milpitas, CA