The KeyPoint Credit Union is a personal credit card from KeyPoint Credit Union. The annual fee is $0. Signup bonus: $100 statement credit on the first $500 of purchases made within the first 60 days of receiving the card. Rewards: Unlimited 1.5% cash back on every purchase; automatic monthly statement credit each time $25 or more is earned; cash advances, balance transfers and special checks do not earn cash rewards. This product reports activity to your personal credit report. EXPERT REFERENCE (Jun 2025): KeyPoint FCU approved for $5,000