1.99% 2.24% - KeyPoint Credit Union

A publication for members of KeyPoint Credit Union
Newsletter llSummer 2012
PRESIDENT’S MESSAGE
Time for sun and fun.
Here at KeyPoint Credit Union, we are welcoming summer with
open arms, growing and expanding to meet your financial needs.
We know you’re busy — especially with the summer sun
beckoning. To make your life easier, KeyPoint Credit Union
is working to be everywhere you are. To that end, our new
Sunnyvale branch will open early this fall in the shopping center
located at Sunnyvale-Saratoga Avenue and El Camino, between
Safeway and 24-Hour Fitness.
Of course, it’s not really summer until your first baseball game
of the season, so I hope you’ll join me for KeyPoint Credit
Union’s Member Appreciation Night at the Ballpark on
July 22. We are very grateful for your membership, so the
game’s on us. Please be sure to get your tickets while they
last, as I’m told this is always a fun and popular event (more
details at right).
Member Appreciation Night will be my first opportunity to meet
many of you, and I am looking forward to rooting for my new
hometown team while I get to know members better. In fact, I
am really hoping you will spend some time telling me what you
think about KeyPoint Credit Union: what you like, which services
work best for you, how we can do even better. If we don’t get the
opportunity to chat at the game, please e-mail your input to
me directly at talktobrad@keypointcu.com. I look forward
to hearing from you.
Have a ball — on us.
KeyPoint takes you out to the ballgame.
MEMBER
Root for the San Jose Giants with us July 22 at
APPRECIATION NIGHT
San Jose Municipal Stadium, 588 E. Alma Ave.
AT THE BALLPARK
Pick up your FREE tickets (up to four per family)
SUNDAY, JULY 22, 5 PM
at any KeyPoint CU branch, or visit Upcoming
FREE
Events at www.keypointcu.com; click the 2012
Member Appreciation Night at the Ballpark link.
Note: The Giants host a free Kids’ Clinic before the
game! Registration 2:30–3:30 pm; clinic 3:30–4:30 pm.
To make this an even better family day, KeyPoint CU will put
$25 into every Kids’ Savings Account opened during the game.
*Certain restrictions apply. Subject to change without notice. Offer valid only on event date.
Take the summer off.
Refinance your auto loan, and take a payment break.
Enjoy your summer!
Switch your existing auto loan to
KeyPoint Credit Union, and take a
break from your monthly payments.
With a KeyPoint auto loan, you can take the
whole summer off! Lower your monthly
payments, and defer your first payment
for up to three months — that’s extra funds
for your summer fun.
Sincerely,
Apply at www.keypointcu.com today.
T. Bradford Canfield
President & CEO
*Rates range from 1.99% to 19.74% APR depending on creditworthiness, cash back election (if eligible),
qualification for discounts and other factors. APRs accurate 07/01/12; subject to change. Discounts available
for specific green vehicles, automatic payments, down payments, returning KeyPoint paid-as-agreed vehicle
borrowers and election of rate discount in lieu of Cash Back Promotion. Get cash back from $75 to $250
or a rate discount of .25% to .75% in lieu of cash back. Payoff of loan within 24 months is subject to a
pre-payment penalty up to $250 depending on the cash back received or the promotional rate discount
selected. Rate will in no event be lower than 1.99% APR if member elects rate discount in lieu of cash back
or lower than 2.74% APR otherwise. All rates and terms subject to change without notice.
New-car rates as low as
1.99%
APR*
Used-car rates as low as
2.24%
APR*
KeyPoint Credit Union l www.keypointcu.com l (888) 255-3637 l TTY: (877) 889-5728 l kpinfo@keypointcu.com
Earn a summer bonus.
Receive a .25% rate bonus for saving with us!
Make your membership pay even more this summer when you put
your money into a KeyPoint certificate.
KeyPoint members who already have an active checking
account and are enrolled in online banking
OR
who open a new check­ing account and enroll in online
banking are eligible to receive a .25% rate bonus on a
6-month or 12-month individual or business certificate.
• Terms apply to 6-month and 12-month certificates only
• Minimum balance $1,000
• Federally insured
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With that extra incentive on already-great interest rates, your money
will grow even faster. Now’s the perfect time to get a head start on
saving for next summer’s plans.
To take advantage of this special offer, stop by
any of our convenient branch locations, or call
our 24/7 Telephone Center at (888) 255-3637.
*Early withdrawal penalties apply.
Park yourself with discounts.
KeyPoint Credit Union members can save big on admission to some
of our favorite local theme parks. Save $20 on each adult general
admission to California’s Great America and $19 on each
general admission to Gilroy Gardens. Visit the Special Offers
section at www.keypointcu.com to print the coupons, and start saving
now on summer fun.
KEY
APPs
Check this corner of
our newsletter each
quarter to find some
of our favorite smartphone apps. Use
your phone or mobile
device to plan and
enjoy this year’s
summer road trip.
GAS BUDDY
Why pay more for gas? Compare and
choose: Locate gas stations near you,
and see their current prices.
ROAD TRIP BINGO
Keep the whole family busy watching
for signs, vehicles, animals and more
to complete your phone bingo card.
iOS only; 99 cents
CAMP FINDER
Find campgrounds and RV parks nationwide, as well as camping tips. $2.99
HOTEL TONIGHT
Not the campsite type? This app finds
great last-minute deals on hotels.
Apps are free and available across platforms unless otherwise noted. Visit
the iPhone App Store or Android Market for downloads.
Mark your calendar.
SEP
RD
Labor Day
OCT
TH
KeyPoint Credit Union’s
4th Annual Car Show
3
6
KeyPoint CU branches will be closed.
You may always call our 24/7 Telephone Center at
(888) 255-3637, or initiate a Live Chat at www.keypointcu.com.
Saturday, Oct. 6, 2012
10 am–2 pm
KeyPoint CU Headquarters,
2805 Bowers Ave., Santa Clara.
A little extra money, when and how you need it.
Borrow with a KeyPoint Signature Loan or Line of Credit.
Sometimes, managing your day-to-day needs means having access to a
little extra money. Because you can’t predict the future, KeyPoint Credit
Union offers you the opportunity to borrow simply on the strength of
your signature.
As a member of KeyPoint Credit Union, you can enjoy instant
access to funds on an ongoing basis with a Signature Loan or
Line of Credit.
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Use the money to pay for whatever comes your way: from emergencies
to tuition to a special purchase to planned expenses. Our loan experts
are here to help you decide which is right for you and your situation: a
signature loan or line of credit.
Signature Loan
A closed-end, fixed-rate loan
exclusively for KeyPoint CU
members
• Repayment terms to suit
your needs
• Borrow $1,000–$15,000
• No appraisals, inspections
or annual fees
• Pre-determined monthly
payments
Signature Line of Credit
A revolving, open-end line
of credit that gives you
instant access to funds on
an ongoing basis
• Consolidate higher interest
rate loan balances
• Borrow $2,500–$15,000
• Pay the money back only
when you use it
Make the most of your resources! Apply online today by visiting the Personal Loans section of our website at
www.keypointcu.com, or call our 24/7 Telephone Center at (877) 255-3637.
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s
Your savings federally insured to at least $250,000 and backed
by the full faith and credit of the United States Government.