Keypoint Santa Clara CA Credit Union | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Keypoint, your trusted financial partner located at 3556 La Rambla Ave, Santa Clara, CA 95051. Since our establishment in 1979, we have dedicated ourselves to serving our community with integrity and a commitment to member satisfaction. With a robust membership of over 53,678 individuals and total assets amounting to an impressive $1,659,313,255, we pride ourselves on being a cornerstone of financial support in the Santa Clara area. At Keypoint, we understand that your financial journey is unique. That's why we offer a range of services tailored to meet your needs from personal banking options like checking and savings accounts to auto loans and mortgage financing. Our members benefit from total deposits of $100,612,202 and net worth standing at $151,872,383, reflecting our strong position as a credit union that prioritizes your financial well-being. Our CEO, T. Bradford Canfield, alongside Board President Gary Garcia, leads our team of dedicated professionals 181 employees ready to assist you with personalized service and expert guidance. Whether you are looking for loans or simply need assistance managing your finances, we are here for you. While you can visit us at the branch for all your banking needs, please send any official correspondence to our mailing address: 3556 La Rambla Ave, Santa Clara, CA 95051-0734. Ready to take the next step? We invite you to explore all that Keypoint has to offer by visiting us or giving us a call at 408-731-4100. Your financial future starts here!

Branch History & Mission

At Keypoint, we take pride in our rich history and commitment to serving the community of Santa Clara, California. Established in 1979, our branch has grown significantly since its inception, evolving from a small credit union to a trusted financial institution with over 53,000 members. Our main office is conveniently located at 3556 La Rambla Ave, Santa Clara, CA 95051. The surrounding neighborhood is vibrant, making it easy for members to access our services. Keypoint's mission is straightforward: we aim to empower our members by providing reliable financial services while fostering a strong sense of community support. Our vision extends beyond banking; we strive to improve the lives of our members and contribute positively to Santa Clara. This includes not just offering competitive rates on loans and savings accounts but also engaging actively in community outreach initiatives that make a real difference. As we look back on our journey, we celebrate key milestones that have shaped us. From achieving total assets of over $1.6 billion to expanding our services to include online and mobile banking, we've continually adapted to meet the needs of our members. We also understand the importance of accessibility; that's why we ensure ADA compliance and provide ATM services for your convenience. While members can visit us at 3556 La Rambla Ave Santa Clara Ca 95051, official correspondence should be sent to 3556 La Rambla Ave, Santa Clara, CA 95051-0734. We invite everyone to experience the difference at Keypoint through our extensive offerings, including personal banking products, auto loans, mortgage financing, and business banking services. Our team is dedicated to providing personalized service during operating hours: Monday, Tuesday, Thursday, and Friday from 9 AM to 5 PM, Wednesday from 10 AM to 5 PM, and weekends from 9:30 AM to 2 PM. Whether you're stopping by or reaching out via phone at 408-731-4100, we're here for you. We encourage potential members to join us on this journey. At Keypoint, you're not just another account holder; you're part of a family that cares about your financial well-being and community growth. Together, let's build a brighter future!

Branch Location & Accessibility

Accessibility and Features

At Keypoint, we believe in making banking accessible for everyone. Our branch is equipped with ADA-compliant features, ensuring that all our members can enjoy a comfortable experience. Parking is available nearby, allowing for easy access whether you're visiting us in person or using our ATM services. While members can visit us at our physical location, official correspondence should be sent to our mailing address: 3556 La Rambla Ave, Santa Clara, CA 95051-0734.

Connect With Us

We invite you to come visit us at Keypoint Santa Clara Branch! If you have any questions or would like more information about our services, feel free to give us a call at 408-731-4100. We look forward to welcoming you into our community!

Operating Hours

We understand that your time is valuable. That's why our operating hours are designed to fit your busy schedule! You can visit us Monday, Tuesday, Thursday, and Friday from 9 AM to 5 PM. On Wednesdays, we're open a little later from 10 AM to 5 PM. Plus, we welcome you on weekends from 9:30 AM to 2 PM.

Services Offered

At Keypoint Santa Clara Branch, we offer a wide array of services tailored to meet your personal and business banking needs. From checking and savings accounts to auto loans and mortgage refinancing, our team is ready to assist you every step of the way. Although we don't currently have drive-thru service available at this branch, our friendly staff is always eager to help you inside. If you're looking for quick access to cash or need assistance with transactions after hours, our ATM is readily available.

Member Eligibility

Becoming a member of Keypoint feels like joining a warm, welcoming community where your financial needs truly matter. If you live, work, or worship in the area, you're likely eligible to join us. We love bringing people together and supporting our members with personalized services that cater to their unique situations. To learn more about the specific eligibility criteria, you can visit our website at https://www.kpcu.com/membership. Opening an account is straightforward and designed to be accessible for everyone. You can start your journey with us by visiting this link: https://www.kpcu.com/apply-for-a-loan. If you have any questions or need assistance during the process, don't hesitate to reach out to us at (408) 731-4100. At Keypoint, we're excited to help you take the first step towards achieving your financial goals!

Business Banking & Commercial Services

Financing Options for Growth

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 That Matter

In addition to loans, we offer robust merchant services that simplify payment processing. Imagine a local café that accepts various payment methods without hassle or a retail store that easily manages transactions online and in-person. Our services empower you to focus on what you do best running your business. Visit us at 3556 La Rambla Ave, Santa Clara, CA 95051, or call us at 408-731-4100 to learn how Keypoint can help your business thrive!

Comprehensive List Of Services

Business Banking

If you're an entrepreneur or business owner, our business banking services are here to support you. From merchant services that simplify payment processing to business loans that help fuel growth, we are dedicated to helping your venture thrive.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking services. With features like ATM access for cash withdrawals and balance checks, managing your finances has never been easier. You can transfer money between accounts or even send payments directly to friends and family using person-to-person services all from the comfort of your home or on the go.

Get in Touch

We invite you to visit us at 3556 La Rambla Ave Santa Clara Ca 95051 in Santa Clara, CA or give us a call at (408) 731-4100 to learn more about how we can assist you with our comprehensive range of services. At Keypoint, we're committed to making banking easier and more accessible for everyone in our community. Join us today on this exciting financial journey!

Home Financing

For those looking to buy a home or refinance an existing mortgage, we provide tailored mortgage loans designed with your needs in mind. Our team will guide you through the entire process, helping you understand every step along the way. We believe that owning a home should be an attainable goal for everyone.

Personal Banking

Our personal banking services include checking and savings accounts that cater to both your daily transactions and long-term savings goals. Imagine opening a checking account that not only helps you manage your expenses but also offers features like online banking and mobile payments for added convenience. You can easily track your spending and transfer money from your smartphone without hassle. When it comes to financing your dreams, our auto loans and vehicle financing options make it easier than ever to get behind the wheel of your new car. With competitive rates and flexible terms, we ensure you find the right loan that fits your budget.

Personal Loans & Credit Cards

Need some extra cash? Our personal loans offer straightforward solutions for debt consolidation or unexpected expenses. Plus, our credit cards come with rewards that can enhance your purchasing power while providing valuable benefits.

Digital & Online Banking

Key Features

One of the standout features of our online banking is the ability to send money through person-to-person transfers. This makes splitting bills or sending money to family and friends as simple as sending a text. You can also take advantage of mobile payments for quick and easy transactions on the go. If you prefer to keep track of your statements electronically, we offer e-statements that allow you to view your financial documents securely from anywhere. You'll save paper while keeping your information organized and easily accessible. For those who are always on their smartphones, our mobile application is currently in development but will soon make banking even more accessible right from your pocket. While waiting for that launch, you can still enjoy all our online services without any hassle.

Security and Accessibility

We prioritize your security at every step. Our online banking system includes robust measures to protect your personal information. Although we do not currently support electronic signature authorization, rest assured that all transactions are conducted with the highest security standards in place. In summary, whether you're at home or on the move, Keypoint offers a user-friendly digital banking experience that puts you in control of your finances. Join us today and discover how easy it can be to manage your money!

Financial Strength

A Committed Team

We also take pride in having 180 full-time employees and 1 part-time employees who are ready to serve you with a knowledgeable and committed team. Total Share Accounts stand at 79,979, reflecting a strong and growing member base that trusts us with their finances.

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 3556 La Rambla Ave Santa Clara Ca 95051 or call (408) 731-4100 to learn more about how we can help you achieve your financial goals.

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.

Reinvesting in Your Future

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 lending capacity supports your financial aspirations with $3,166 in used auto loans and $1,265,144,344 in total loans and leases. Our commitment to efficiency shines through with a reported $0, enabling us to continue offering competitive loan rates and solid financial products for our members.

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. This solid footing ensures that we can continue to support our members in achieving their financial goals. 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 purchasing a brand-new vehicle or a reliable used one, our flexible financing options make it easy for you to drive away with confidence.

Business Financing

For business owners, our outstanding commercial loans totaling $159,966,310 provide the capital needed to grow and expand your operations. We believe in supporting local businesses and are here to help you navigate your financing needs. Whether you're considering refinancing an existing loan or exploring eligibility options for any of our products, our knowledgeable team is ready to assist you. Don't hesitate to reach out; give us a call at 408-731-4100 during our operating hours: Mon, Tues & Thurs 9 am - 5 pm; Wed 10 am - 5 pm; Fri 9 am - 5 pm; and Sat & Sun 9:30 am - 2 pm. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We look forward to helping you secure the funding that fits your needs!

Credit Lines and Personal Loans

For those seeking additional flexibility, we offer comprehensive credit line options with a total available of $635,397,260. This gives you access to funds when you need them most. Additionally, we also have unsecured credit card loans totaling $12,215,954 available for members looking to manage their finances effectively without tying up their assets.

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 understand that purchasing a home is one of the biggest financial decisions you'll make. That's why our team is dedicated to guiding you through every step of the process.

Loan Aggregator

Ensuring Accurate Loan Comparisons

LendMesh takes pride in its commitment to transparency and accuracy. 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 rigorous sourcing ensures that users receive fair and transparent offers, allowing them to make informed decisions.

Key Benefits of Using LendMesh

- Verified Data: All loan offers are sourced from legitimate financial institutions, ensuring transparency in every comparison. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions. The primary goal is to provide unbiased results so users can confidently choose the best option for their needs. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, equipping them with the necessary information to make informed financial choices. 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!" 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.

Keypoint