Last Updated: 04/18/2025
KeyPoint CU Business CD Account
Unaffiliated
in CD Accounts from KeyPoint Credit Union
Last Updated: 04/18/2025
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Highlights
APY (Annual Percentage Yield)
0.75% - 3.04%(Verified 06/21/2024)
Minimum Opening Deposit
Starting at $1,000
Certificate Term
- 3 months
- 6 months
- 12 months
- 2 years
- 3 years
- 4 years
- 5 years
KeyPoint CU Business CD Account Review
KeyPoint CU Business CD Account are offered by KeyPoint Credit Union, a credit union founded in 1979 and based in Santa Clara, CA. KeyPoint CU Business CD Account are available in 50 states and Washington, DC.
Key Takeaways
- Only one CD type available. KeyPoint CU Business CD Account only offers traditional CD accounts.
- Very high annual percentage yield (APY). This account offers an annual percentage yield of up to 3.04%, which is much higher than the national average for a CD account.
- $1,000 minimum deposit. This is a typical minimum initial deposit for the CDs we track.
- Wide selection of CD terms. KeyPoint CU Business CD Account allows you to create a CD ladder by spreading your cash across certificates with different terms. This combines the benefits of frequent access to funds and higher rates of return on your savings.
Pros & Cons of KeyPoint CU Business CD Account
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KeyPoint CU Business CD Account FAQ
Are CD from keypoint credit union federally insured?
No, your KeyPoint Credit Union CD accounts are not insured by a federal insurance agency. This means that if KeyPoint Credit Union were to fall into financial difficulties, your deposits are not covered by a government-backed insurance fund like the FDIC or NCUSIF.
What types of CDs does KeyPoint Credit Union offer?
KeyPoint CU Business CD Account provides the following types of CDs.- Traditional CDs. These CDs pay a fixed interest rate if you deposit a fixed amount of money for a specific term. Once the maturity date arrives, you have the option of cashing out or automatically renewing the CDs for another term.
What rates does KeyPoint Credit Union offer on its CDs?
KeyPoint CU Business CD Account offers an APY starting at 0.75% and ranging up to 3.04%. APY stands for annual percentage yield and shows the interest rate paid by the CD after taking into account compounding.
What terms does KeyPoint CU Business CD Account offer?
KeyPoint Credit Union offers CD terms of the following lengths:| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Certificate Term |
| ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 3-Month APY | 2.02% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 12-Month APY | 3.04% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| APY (Annual Percentage Yield) | 0.75% - 3.04% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 6-Month APY | 2.78% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 2-Year APY | 3.04% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 3-Year APY | 2.78% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 4-Year APY | 2.78% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 5-Year APY | 3.04% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What is the minimum deposit to open a CD account with KeyPoint Credit Union?
KeyPoint CU Business CD Account require a minimum deposit of $1,000 to open an account.
What is the grace period for KeyPoint CU Business CD Account?
KeyPoint CU Business CD Account does not specify what their grace period is. A grace period is a period of time during which you can withdraw the money in your CD without paying an early withdrawal penalty. A grace period starts the day after a CD’s maturity date, or the final day a CD is opened. Standard CDs renew automatically at the same term if you don't withdraw your money after the grace period. Note that the new CD rates probably won’t be the same as the original.
What types of fees, such as early withdrawal penalties, does KeyPoint Credit Union charge?
Financial institutions don't typically charge many fees on CDs. However, most charge a fee if you choose to withdraw your money before the term ends.
KeyPoint Credit Union charges an early withdrawal fee.
KeyPoint Credit Union does charge any of the fees we track.
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Hours of Operation
Sunday
9:00AM - 5:00PM
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
10:00AM - 5:00PM
Thursday
9:00AM - 6:00PM
Friday
9:30AM - 2:00PM
Saturday
9:30AM - 2:00PM