Keypoint San Jose CA Credit Union | Low Mortgage Rates & Top Auto Loans

Introduction

At Keypoint, we believe that every member of our community deserves access to reliable financial services tailored to their needs. Located at 7030 Santa Teresa Blvd, San Jose, CA 95139, our Santa Teresa Branch has been serving the local community since 1979. With a commitment to trust and transparency, we have grown to support over 53,678 members and manage total assets exceeding $1.65 billion. Our dedicated team of 181 employees, led by CEO T. Bradford Canfield and Board President Gary Garcia, is here to help you with a range of services including personal banking, auto loans, mortgage refinancing, and business banking solutions. We proudly offer over $100 million in total deposits and maintain a strong net worth of $151 million, ensuring your finances are secure with us. While members can visit us at our branch for personalized service, official correspondence should be sent to our mailing address: 7030 Santa Teresa Blvd, Ste 10, San Jose, CA 95139-1322. Whether you're looking for a new auto loan or seeking guidance on managing your savings effectively, we invite you to connect with us. Feel free to call us at (408) 731-4100 during our convenient hours Monday through Friday or explore more about our offerings on our website: Keypoint Credit Union. Your financial success is our priority, and we're excited to partner with you on this journey!

Branch History & Mission

Community Commitment

Our dedication extends beyond just banking. We actively participate in community outreach programs that support local initiatives and foster economic growth in the area. Through partnerships with various organizations, we work hard to make a positive impact on the lives of those around us.

Join Us Today!

As we continue this journey together, we invite you to become part of the Keypoint family. Experience firsthand the benefits of membership with us where your financial well-being is at the heart of everything we do. Visit us during our operating hours Monday, Tuesday, Thursday from 9 AM - 5 PM; Wednesday from 10 AM - 5 PM; Friday from 9 AM - 6 PM; and Saturday & Sunday from 9:30 AM - 2 PM or call us at (408) 731-4100 for more information. Join Keypoint today and let's build a brighter future together!

Our Evolution

Keypoint started with a vision: to provide accessible and affordable financial services to everyone in our community. Over the years, we've achieved numerous milestones that reflect our commitment to this goal. We have expanded our range of services to include personal banking options such as checking and savings accounts, auto loans, mortgages, and business banking solutions. With the introduction of online and mobile banking platforms, we ensure that our members can manage their finances anytime and anywhere.

Our Mission

At Keypoint, our mission is simple yet profound: we strive to empower our members by providing excellent financial services while fostering community engagement and support. We believe in building strong relationships with our members and helping them achieve their financial goals. Whether it's through personalized loan solutions or educational workshops on financial literacy, we are here for you. While you can visit us at our branch address for all your banking needs, please note that official correspondence should be sent to 7030 Santa Teresa Blvd, Ste 10, San Jose, CA 95139-1322 if different from our main location.

Branch Location & Accessibility

Accessibility Features

At Keypoint, we prioritize making banking accessible for everyone. Our branch is fully ADA compliant, featuring ramps and other amenities to ensure ease of access for all members. Parking is available right outside our doors, allowing for a hassle-free visit whether you're dropping by for a quick transaction or planning a longer stay.

Operating Hours

We understand that convenience is key when it comes to managing your finances. Our operating hours are designed with your schedule in mind: join us Monday, Tuesday, and Thursday from 9 AM to 5 PM; on Wednesday from 10 AM to 5 PM; and Friday from 9 AM to 6 PM. We're also open on weekends from 9:30 AM to 2 PM. No matter what time works best for you, we're here ready to assist.

Services Offered

As a member of Keypoint Credit Union, you have access to a variety of services tailored just for you. From personal banking options like checking and savings accounts to auto loans and mortgages, we've got you covered. For those who prefer digital banking solutions, we offer online and mobile banking services that make managing your finances easier than ever. Need cash? Enjoy ATM availability right at our branch. Whether you're looking to open an account or need assistance with an existing one, don't hesitate to reach out! Call us at 408-731-4100 or drop by the Santa Teresa Branch today we can't wait to welcome you!

Member Eligibility

At Keypoint, we believe that everyone deserves a supportive financial community, and becoming a member is your first step toward joining us! Membership is open to anyone who lives, works, worships, or attends school in our local area. It's as simple as that! When you join Keypoint, you're not just opening an account; you're gaining access to a range of benefits tailored to help you achieve your financial goals. From competitive loan rates to personalized service, we're here for you every step of the way. To learn more about the specific eligibility requirements and how you can become part of our family, please visit this link. We're excited to welcome you! If you have any questions or need assistance with the application process, don't hesitate to reach out at (408) 731-4100. You can also start your journey by checking out our account opening details here. Join us today at 7030 Santa Teresa Blvd San Jose Ca 95139 your community bank awaits!

Business Banking & Commercial Services

Business Loan Options

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

In addition to loans, we provide merchant services designed to streamline payment processing for your business. Imagine having a reliable system that allows you to accept payments quickly and securely, giving you more time to focus on what you do best running your business. Our services are crafted with your needs in mind, making it easier for you to manage transactions and keep your customers satisfied. Located at 7030 Santa Teresa Blvd San Jose Ca 95139 in San Jose, CA, we invite you to explore how our business banking and commercial services can support your goals. Contact us today at (408) 731-4100 to learn more!

Comprehensive List Of Services

Business Banking

For entrepreneurs and small business owners, our business banking services include merchant services and business loans. We know that every dollar counts when building a business, so we aim to make financing straightforward and accessible.

Community Focused Service

At Santa Teresa Branch, we pride ourselves on being more than just a financial institution; we're part of the community. Our friendly staff are always ready to assist you with any questions or concerns. If you need assistance or want to learn more about any of our offerings, don't hesitate to reach out at (408) 731-4100. Whether you're visiting us at our branch located at 7030 Santa Teresa Blvd San Jose Ca 95139 or accessing your account online, we're dedicated to providing the best financial experience possible. We invite you to explore how Keypoint can help you achieve your financial goals today! For more details about opening an account or applying for a loan, visit us online at https://kpcu.com/ or give us a call!

Credit Solutions

Financial flexibility is important, which is why we provide personal loans for various needs, including debt consolidation. Our credit cards come with rewards that let you earn while you spend perfect for everyday purchases or special treats!

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why Keypoint offers online and mobile banking platforms that allow you to bank from anywhere at any time. You can easily transfer funds, check balances, or pay bills without needing to visit us in person. Our ATM services also ensure that cash withdrawal and balance checks are just a few taps away.

Personal Banking

Our personal banking services are designed with you in mind. We offer checking and savings accounts that help you manage your money efficiently. Imagine having easy access to your funds while earning interest on your savings! For those planning big purchases, like a new car, our auto loans and vehicle financing options can make that dream more attainable. Plus, we have mortgage loans and refinancing solutions that can help you secure your ideal home or lower your monthly payments.

Digital & Online Banking

Convenient Online Services

Our online banking offers 24/7 access to your accounts, allowing you to check balances, transfer funds, and pay bills with just a few clicks. Plus, with our e-statements feature, you can receive your bank statements electronically, helping you keep track of your finances without the clutter of paper.

Effortless Money Transfers

Need to send money to friends or family? Our person-to-person transfer feature allows you to send funds quickly and securely without the hassle of cash or checks. It's just one more way we aim to make banking easier for you. In today's fast-paced world, having reliable digital banking options is essential. At Keypoint, we are committed to providing accessible and user-friendly services that help you manage your finances efficiently. Explore all these features today by visiting us at https://kpcu.com/!

Mobile Banking Made Easy

For those who prefer banking on their mobile devices, we support mobile payments, making it simple to make purchases directly from your smartphone. Although we don't have a dedicated mobile application yet, our website is fully optimized for mobile use. That means you can still enjoy a smooth experience when accessing your accounts on the go.

Security You Can Trust

Your security is our top priority. We provide features that ensure your information is safe while giving you the freedom to manage your money easily. While we do not currently offer electronic signature authorization, rest assured that all transactions are protected by robust security measures.

Financial Strength

Growing Trust

The trust of our growing member base is reflected in the total number of share accounts: 79,979. This shows that more people are choosing Keypoint as their preferred credit union for banking 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 7030 Santa Teresa Blvd San Jose Ca 95139 or call (408) 731-4100 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.*

Member-Centric 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 evident with a net income of $0, enabling 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.

Reinvestment for Better Services

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 lend is reflected in our impressive $3,166 in used auto loans and $1,265,144,344 in total loans and leases supporting your financial goals across various sectors.

Strong 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

Additional Financing Options

For those needing extra funds for business expansion or unforeseen expenses, we provide outstanding commercial loans totaling $159,966,310. This financing can be crucial for business owners looking to grow and seize new opportunities. Moreover, if you're considering refinancing any existing loans or checking eligibility options for our products, we encourage you to reach out to us directly at 408-731-4100. Our team is ready to assist you in exploring all available options tailored specifically for your needs. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Keypoint located at 7030 Santa Teresa Blvd San Jose CA 95139, we pride ourselves on being more than just a lender we're your partner in achieving financial well-being. Visit us today or check out our website at kpcu.com to learn more about our loan offerings!

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 have flexible terms designed to fit your budget, whether you're buying a brand-new vehicle or a reliable used one.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We currently offer Junior Lien 1-4 Family Residential Properties loans totaling $122,543,209. Our knowledgeable staff is here to guide you through the process and help you find the best solution for your situation.

Unsecured 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. These cards come with competitive rates and rewards programs that can suit various spending habits.

Loan Aggregator

Benefits of Using LendMesh

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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 means you receive fair and transparent offers that reflect current market conditions. By relying on verified institutions, LendMesh ensures that the information presented is accurate and trustworthy.

Keypoint