KeyPoint Credit Union is offering a yield of 4.00% APY on its certificates for terms of 12 months and longer. The yield for IRA certificates is 4.20% APY. These require a minimum deposit of $25,000 and direct deposit of net pay. Without direct deposit, the yield is 25 basis points lower. They also have a liquid access option in exchange for a 0.25% lower rate. This option allows you to make 3 deposits or withdrawals during the term. A maximum 50% increase or decrease from the original deposit will be allowed during the term of the account.

Membership is open to those who live, work, worship or attend school in one of the following California counties: Alameda, Contra Costa, Sacramento, San Mateo, Santa Barbara, Santa Clara and designated areas of Ventura County. You can also be eligible to join through select employer groups or family relation.

Branches are located in Concord, Cupertino, Milpitas, Pleasanton, Santa Clara, San Jose, Sunnyvale, Folsom and Goleta.