Share Savings (required for membership): The regular share account acts as your savings account. This establishes your membership, or "share", in the Credit Union and earns interest. An initial $10.00 minimum deposit is required and must remain in the account to maintain membership. To receive dividends, you must maintain an average daily balance of $250.00 in the account. Refer to our rate sheet for more information.

Money Market Accounts: Invest your money wisely with KeyPoint Federal Credit Union's Money Market Accounts. Our competitive rates will vary according to initial investments. Please consult our rate sheet or contact the credit union for more details.

IRAs and IRA Certificates: Individual Retirement Accounts (IRA's) offer tax-deferred growth and may qualify for tax deductions on your annual return depending on Gross Adjusted Income. Contributions as low as $100 may be made to this account. The maximum allowable contribution is currently $3000, with an extra $500 allowance for persons over the age of 50. Learn more about Traditional, Roth, and Coverdell ESA IRA's. Refer to our rate sheet for more information.

CDs: With a minimum opening balance of $500, competitive interest rates, terms from 1-5 years, and the option to have your interest deposited into another account, paid by check, or added back into the certificate, you can control how your money grows.

Christmas Club Account: Get a head start on saving for the holidays. KeyPoint makes holiday budgeting easier for you by providing a Christmas Club savings account. This interest-bearing account has a minimum opening balance of $5, and you'll begin earning interest right away!