Find an updated list of KeyPoint Credit Union promotions, bonuses, and offers here.
Update 4/21/25: We’ve added a $500 business checking bonus that’s valid for a limited time. The referral bonus has increased to $300 (from $50) per person you refer; the person referred can also earn up to $500.
About KeyPoint Credit Union Promotions
KeyPoint Credit Union in California offers personal service, and provides members in Silicon Valley and beyond with products and services to improve your financial well-being.
I’ll review the KeyPoint Credit Union Promotions below.
KeyPoint Credit Union $300 Referral Bonus
- What you’ll get:
- Referrer earns $300 bonus
- Referee / Person being referred earns up to $500
- Account Type: Checking
- Availability: CA (Bank Locator)
- Direct Deposit Requirement: Yes, $1,000+ (see what works)
- Credit Inquiry: Soft Pull
- ChexSystem: Unknown, sensitive
- Credit Card Funding: Up to $3,000
- Monthly Fees: None with free checking
- Early Account Termination Fee: None
- Household Limit: None
(Limited time offer)
| AlumniFi Credit Union Savings (4.75% APY) | SoFi Checking & Savings ($325 Bonus + 3.80% APY) |
| Upgrade Premier Savings (4.15% APY) | Discover® Bank Savings (Up to $200 Bonus + 3.70% APY) |
| CIT Bank Platinum Savings (4.00% APY) | Harborstone Credit Union Money Market (4.30% APY) |
| FVCbank Advantage Direct Savings (4.55% APY) | Live Oak Bank Savings (4.10% APY) |
How to Earn Bonus
EARN THE BONUSFINE PRINT
- Get up to $300 for yourself and up to $500 for your friend using the promo code “RAF25“.
- Checking account: When they open and set up direct deposit of at least $1,000, you’ll get $100, and they’ll get $300.
- 5-Month or 12-Month Certificate: When they open with at least $25,000 of new money, you’ll both get $100.
- Auto or Personal Loan: When the loan is funded, you’ll both get another $100.
- O?ers may be canceled at any time. General eligibility requirements: (1) KeyPoint Credit Union membership required; (2) only funds not already on deposit with KeyPoint (“new money”) count towards bonus eligibility; (3) referred Member must provide promo code “RAF25” and referring Member’s name at account opening. Referring Member may receive one $100 bonus for each bonus-eligible KeyPoint service a referred Member opens for a maximum of $300. Referred Member may receive up to $500 by meeting each bonus’s eligibility requirements; referred Member cannot open the same account multiple times for additional bonuses. 1Checking bonus: Referred Member must (1) not have an account or loan with KeyPoint in the previous two years, (2) open a KeyPoint checking account with at least $10, (3) establish minimum $1,000 recurring monthly direct deposit to KeyPoint from net pay, pension, or retirement benefit and (4) have first direct deposit post within 60 days of account opening. Referring Member will get $100 90 days after account opening if eligibility requirements are met. Referred Member receives bonus of up to $300 in six monthly $50 installments, one for each consecutive month account receives at least $1,000 by direct deposit. Disruption of direct deposit during first six months will terminate bonus payments.
- Recurring transfers or deposits from other sources, such as other accounts at KeyPoint or accounts at other institutions, do not qualify. Not available for Kids Checking or Student Checking. 2Certificate bonus: $100 paid to referring and referred Members 30 days after opening of qualified KeyPoint certificate. Certificates may be subject to early withdrawal penalties. 3Loan bonus: Referred Member must apply, be approved for, and fund either a new KeyPoint auto loan ($10,000 minimum) or personal loan ($5,000 minimum; include debt consolidation and signature home improvement loans). Refinances of existing KeyPoint debt are not eligible. All loans subject to credit approval. Bonuses paid 30 days after loan funding. ADDITIONAL INFORMATION. (1) O?ers cannot be combined with other promotions. (2) KeyPoint employees and o?cials and their immediate families cannot participate. Other restrictions may apply. (3) Taxes on bonuses, if any, are the recipient’s responsibility. KeyPoint complies with federal and state tax reporting laws.
KeyPoint Credit Union $500 Business Checking Bonus
- What you’ll get: $500 bonus
- Account Type: Checking
- Availability: CA (Bank Locator)
- Direct Deposit Requirement: Yes, $1,000+ (see what works)
- Credit Inquiry: Soft Pull
- ChexSystem: Unknown, sensitive
- Credit Card Funding: Up to $3,000
- Monthly Fees: None with free checking
- Early Account Termination Fee: None
- Household Limit: None
(Limited time offer)
| Chase Business Checking ($300 or $500 Bonus) | Bank of America Business Checking ($200 bonus offer) |
| Axos Business Premium Savings ($375 Bonus) | Axos Bank Basic Business Checking ($400 Bonus) |
| Axos Bank Business Interest Checking ($400 Bonus) | Huntington Unlimited Plus Business Checking ($1,000 Bonus) |
| Huntington Unlimited Business Checking ($400 Bonus) | Bluevine Business Checking ($300 Bonus) |
| U.S. Bank Business Checking ( $500 or $900 Bonus) | |
How to Earn Bonus
EARN THE BONUSFINE PRINT
- Open a KeyPoint Elite Business Checking with promo code BUS25
- To qualify for bonus, Business Member must
- (a) maintain minimum average daily balance of $2,000 for 90 days following account opening date and
- (b) use account business debit card to make a minimum of 20 POS purchases of at least $5.00 within 90 days following account opening date.
- Deposits, Payments, Returns, and Miscellaneous transactions do not count toward the required purchases.
- $500 bonus credited to checking account within 90 days of meeting requirements.
- Offer may be cancelled at any time. May not be combined with any other promotion. KeyPoint Membership required.
- To qualify for bonus, Business Member must (a) maintain minimum average daily balance of $2,000 for 90 days following account opening date and (b) use account business debit card to make a minimum of 20 POS purchases of at least $5.00 within 90 days following account opening date. Deposits, Payments, Returns, and Miscellaneous transactions do not count toward the required purchases.
- $500 bonus credited to checking account within 90 days of meeting requirements.
- Offer good for new Business Members only—former Business Members who closed an account within two years of new account open date are not eligible for bonus.
- KeyPoint officials and employees are not eligible.
- Other restrictions may apply.
- Taxes on bonuses, if any, are the recipient’s responsibility.
- KeyPoint complies with federal and state tax reporting laws.
KeyPoint Credit Union $300 Checking Bonus (Expired)
- What you’ll get: $300 bonus
- Account Type: Checking
- Availability: CA (Bank Locator)
- Direct Deposit Requirement: Yes, $1,000+ (see what works)
- Credit Inquiry: Soft Pull
- ChexSystem: Unknown, sensitive
- Credit Card Funding: Up to $3,000
- Monthly Fees: None with free checking
- Early Account Termination Fee: None
- Household Limit: None
(Limited time offer)
| BMO Smart Money Checking ($400 cash bonus*) | BMO Smart Advantage Checking ($400 cash bonus*) |
| Bank of America ($300 bonus offer) | Chase Total Checking® ($300 bonus) |
| KeyBank Key Smart Checking ($300 bonus) | SoFi Checking and Savings ($325 bonus) |
How to Earn Bonus
EARN THE BONUSFINE PRINT
- Open a KeyPoint Checking Account with promo code DD23
- $300 direct deposit bonus credited to checking account in $50 increments over 6 months if
- (a) Member establishes minimum $1,000 recurring monthly direct deposit for 6 months to account from net pay, pension, or government benefits, and
- (b) first direct deposit posts within 60 days after account opening.
- Total bonus credited within 9 months of new account opening.
- Offer may be cancelled at any time.
- May not be combined with any other promotion.
- $10 minimum account opening deposit.
- $300 direct deposit bonus credited to checking account in $50 increments over 6 months if (a) Member establishes minimum $1,000 recurring monthly direct deposit for 6 months to account from net pay, pension, or government benefits, and (b) first direct deposit posts within 60 days after account opening. Total bonus credited within 9 months of new account opening.
- Recurring transfers or deposits from other sources, such as other accounts at KeyPoint or accounts at other institutions, do not qualify.
- Student and Kids Checking accounts are not eligible for this promotion.
- Offer good for new Members only—former Members who closed an account within two years of new account open date are not eligible for bonuses.
- Other restrictions may apply.
- Taxes on bonuses, if any, are the recipient’s responsibility.
- KeyPoint complies with federal and state tax reporting laws.
KeyPoint Credit Union $100 CD Bonus (Expired)
- What you’ll get: $100 bonus
- Account Type: CD
- Availability: CA (Bank Locator)
- Direct Deposit Requirement: No
- Credit Inquiry: Soft Pull
- ChexSystem: Unknown, sensitive
- Credit Card Funding: Up to $3,000
- Monthly Fees: None
- Early Account Termination Fee: None
- Household Limit: None
(Limited time offer)
| AlumniFi Credit Union Savings (4.75% APY) | SoFi Checking & Savings ($325 Bonus + 3.80% APY) |
| Upgrade Premier Savings (4.15% APY) | Discover® Bank Savings (Up to $200 Bonus + 3.70% APY) |
| CIT Bank Platinum Savings (4.00% APY) | Harborstone Credit Union Money Market (4.30% APY) |
| FVCbank Advantage Direct Savings (4.55% APY) | Live Oak Bank Savings (4.10% APY) |
How to Earn Bonus
EARN THE BONUSFINE PRINT
- Refer: Invite friends and family to open a 5-Month or 12-Month Certificate using the promo code “RAFCERT24”. Be sure your name is entered in the referral section.
- Bonus: When they open a Certificate with at least $25,000 of new money, you’ll get $100! And they’ll earn an exclusive rate of 4.85% APY on a 5-Month Certificate or 5.10% APY on a 12-Month Certificate! Exclusive rate will be applied after account opening.
- Offer may be cancelled at any time.
- Referring Member can receive a $100 bonus for each eligible referred friend or family member who opens a 5-Month or 12-Month Certificate using the promo code “RAFCERT24” with at least $25,000 in new money—this Certificate cannot be funded with money already in a KeyPoint account.
- Referral bonus of $100 credited to referring Member’s KeyPoint account within 30 days of referred Member opening a Certificate with the required minimum deposit of new money.
- Limited to one Certificate per referred Member.
- Referred Member must provide promo code “RAFCERT24” and referring Member’s name at the time of Certificate account opening.
- **APY=Annual Percentage Yield, available as of 7/8/2024 and subject to change without notice.
- Certificates may be subject to early withdrawal penalties.
- ADDITIONAL INFORMATION. (1) This offer cannot be combined with other promotions. (2) KeyPoint employees, officials and their immediate families cannot participate. Other restrictions may apply. (3) Taxes on bonuses, if any, are the recipient’s responsibility.
- KeyPoint complies with federal and state tax reporting laws.
KeyPoint Credit Union $200 Student Checking Bonus (Expired)
- What you’ll get: $200 bonus
- Account Type: Student Checking
- Availability: CA
- Direct Deposit Requirement: No
- Credit Inquiry: Soft Pull
- ChexSystem: Unknown, sensitive
- Credit Card Funding: Up to $3,000
- Monthly Fees: None
- Early Account Termination Fee: None
- Household Limit: None
(Limited time offer)
| BMO Smart Money Checking ($400 cash bonus*) | BMO Smart Advantage Checking ($400 cash bonus*) |
| Bank of America ($300 bonus offer) | Chase Total Checking® ($300 bonus) |
| KeyBank Key Smart Checking ($300 bonus) | SoFi Checking and Savings ($325 bonus) |
How to Earn Bonus
EARN THE BONUSFINE PRINT
- Get $100 when you open a Student Checking Account for your 13-17 year old
- Be sure to use the promo code Y100
- Get another $100 for making 25 debit card purchases within the first three months
- Offer may be cancelled at any time.
- New Members only.
- Must not have been Member within 30 days. $10 bonus applied at time of account opening.
- Additional available $100 bonus paid within four months of account opening if Member uses KeyPoint Debit Card to make 25 or more purchase transactions within three months after account opening.
- Other restrictions may apply.
- Taxes on bonuses, if any, are the recipient’s responsibility.
- KeyPoint complies with federal and state tax reporting laws.
How To Waive Monthly Fees
- Free Checking: None
- Unlimited Checking: $17, waived with minimum direct deposit of $1,000 or make ten (10) Debit purchase transactions within the month
- Dividend Checking: $12 (waived with direct deposit or $750 average daily balance)
- Free Student Checking: None
- Student Savings/Smart Savings Account: None
- Free Student Checking: None
- Business Free Checking: None
- Business Dividend Checking: $12 (waived with minimum average daily balance of $2,500)
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Bottom Line
KeyPoint Credit Union offers great promotions for you to earn money over time. They also offer online and digital banking, so you’ll be able to access your money anywhere at any time!
While they have a generous $200 bonus, KeyPoint Credit Union doesn’t have great rates for CDs and Savings. You may want to check out our full list of Bank Rates and CD Rates.
*Compare KeyPoint Credit Union Promotions with other bank bonuses from banks like Citi, Huntington, HSBC, Chase, TD, Discover Bank, Aspiration, Axos Bank, PNC Bank, BMO, SoFi, Fifth Third Bank, Bank of America, Wells Fargo, US Bank, and more!*
*Check back at this page for updated KeyPoint Credit Union promotions, bonuses, and offers.
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