Keypoint Credit Union Review I recently relocated and purchased a home in another state, and during the move I accumulated more than $35,000 in credit card debt. With today's ridiculously high credit card interest rates, I was paying over $1,200 each month in minimum payments--payments that barely made a dent in the balance. Years ago, Kelly Heargreaves helped my wife and I finance our first home in Santa Barbara. Since then, she has also assisted us with car loans, refinancing our home, and other financial needs. Because of the trust she has earned over the years, I reached out to her for advice on how to tackle this growing credit card debt. Kelly patiently walked me through the process of obtaining a loan that allowed me to consolidate and pay off my credit cards at a much lower interest rate. I recently made my first payment on a six-year loan that would pay off the entire debt. It was less than half of what I had been paying each month just to cover the minimum credit card payments! The relief has been tremendous. I can't say enough about KeyPoint Credit Union and Kelly Heargreaves. Their professionalism, honesty, and genuine commitment to helping their members have made a lasting difference in my financial journey. After many years of outstanding service and sound financial guidance, I am truly grateful for everything they have done. I highly recommend KeyPoint Credit Union and Kelly to anyone looking for trustworthy financial advice and exceptional customer service. read more

Kelly Hargreaves, KPCU GOLETA. There are times when there is this sudden recognition that there are people that have helped you get to where you are at today. They have been there supporting and helping you build and reach your goals. You understand that you couldnt have gotten there with out their assistance along the way. Everyday you encounter pleasant people , however there are people who go out of their way to assist you. It's not just their job, its the but they connect us and make life simpler and better in so many ways. From opening bank accounts to adding new spouses to bank accounts, from resolving cases of credit card fraud to creating new wills, deeds, and managing three cars, a condo, and a new house out of state, they have answered countless questions and provided consistent, kind, knowledgeable, and dependable assistance over the past 25 years. You truly couldn't ask for more. Kelly Hargreaves of KPCU Goleta has been that person for us! She's Wonderful!!!!!!! Thank you Kelly! read more

I cannot tell you how many times Kelly has gone out of her way to help me with several time consuming and kinda-crazy (to be honest) requests. She is always SUPER friendly, professional and surprisingly quick and efficient even with some pretty major challenges I've thrown at her over the years. She is knowledgeable and even offers extra help - above and beyond what I have asked of her - which was A LOT! Thank you Kelly for making my Keypoint Credit Union experiences so plesant! read more

Extraordinary service! Have a member for almost 40 years and wouldn't change. Flexible, local, and community minded.

I walked into the credit union to get information in regards to a loan. Carolina was was helpful and knowledgeable in the information that was given to me very professional. Thank u sooo much read more

Thank you branch manager Kelly for helping me out with the fraud issue on my mom's account. We are based out of Northern CA and Kelly guided me, even speaking to me after hours to help resolve this huge issue. I just really want to thank you for everything you did. Jen read more

I opened up a KeyPoint account today I and was very happy & satisfied with my experience. Carolina was very helpful and such a joy! Thank you so much for making the process quick and easy for me! read more

So helpful! Over the phone without so much as my account number divulged Omar was able to give me my YTD interest paid and email me with a screen shot same day! read more

I went in to open a business checking account and was greeted immediately by Carolina making me feel right at home. I was assisted by Kelly in opening my account and it was such a smooth and easy process. We were in and out in less that 20 minutes. They even greeted my dog with snacks and "pets". The just love dogs! Our new family read more

5 stars! l've had an amazing experience with KeyPoint Credit Union. Luis has been extremely helpful, always going above and beyond to assist me. Thank you, Luis, and the entire KeyPoint team! read more

Carolina Huerta and the others at the location were so friendly. Carolina made me feel safe, valued, and heard and worked diligently and efficiently for me to get what I needed. Thank you! Truly the bestest! read more

I always love the customer service here, it's my favorite place to bank! I have my kids and some family members here, thank you KPC!

Keypoint is one of the best financial instituion I've dealt with. I worked with Mimi for setting up my accounts and a couple others over chat in past years. I found all of them intelligent, handling my requests very well. I've dealt with many credit unions in CA, and this is one of few that I'd comfortably recommend. read more

I came in to open a free checking account and was helped by Omar. The process was quick, smooth, and was everything that a new member could ask for. I was able to receive my debit card right after opening the account. Overall, I am glad to be banking here. read more

I have been a customer of Keypoint Credit Union since before they were Keypoint :). I use them for both personal and business banking, and car loans. Their mobile app has better features than much bigger banks (I'm looking at you, Union Bank). All of the people in the local branch are beyond friendly. Most know my entire family on sight. The managers have gone above and beyond when we needed banking services in another state. I just had a great interaction with someone from their online help desk, so even the corporate employees provide excellent customer service. I can (and have) recommended KPCU to my dearest family members. read more

I have never had a problem with the people at this branch of KCPU. Nice people! Bottom line. Anyone else who says different, needs to chill out. read more

I worked with Mimi Nyugen to get my auto loan. She was excellent to work with, so efficient, informative and friendly. Her expertise, combined with the Goleta Branch staff, made my auto loan experience fast and satisfying. Thank you for your help!! read more

Magicians! Made a loan out of a crappy credit score and gave me a chance! Ana and Kelly were so helpful! Thanks to you!

I drive the 20 miles to this credit union because Carolina and the managers are so friendly and helpful. I would give them 5 stars but... even though they advertise the community support the give their Silicon Valley locations, I never see evidence of any local community support. Other Banks and savings and loans put money back into the local Santa Barbara/Goleta community. read more

Keep up the great work! Excellent management at the Goleta branch. Positive team work is very apparent with their customer service.

Just by chance I read the negative review by Tyler. I've never experienced rudeness in 25 years at the Goleta branch. Everyone is pleasant and professional. I don't have standard requests either, they always accommodate. Hardly ever a wait. Unfortunately I'm about to move near Santa Maria. I hope a Santa Maria branch is in the works. read more

Best Credit Union ever!!! I love Kelly and Ana best mangers ever! Manny as Diana are such wonderful bankers as well. I highly recommended this institution to everyone!! Goleta team if you read this I say HI AND I MISS YOU GUYS!!! read more

I have banked with these folks since 1983 when they were AEA Credit Union and they used to be wonderful. When we went to live in Europe for a year in 1993 they took care of paying our monthly bills for us and were genuinely excited for us. But these days they are less excited about serving their customers. They are the lone remote outpost of a Silicon Valley company, and the business model of KeyPoint is like any other bank: Try to extract as many fees as you can. I still have accounts there, but my main bank is now Community West in Old Town Goleta, where they greet me by name when I walk in. read more

The clerks are rude and unprofessional, I've come in multiple times to just be ruded out and they seem happy when they're unable to assist you with something. This branch really needs to reconsider the rude front desk women. I will go else where from now on. I've had enough read more

5 starts all the way! This is a wonderful place with great people. Ana has helped me with two car loans and it couldn't be easier. Not only are they friendly they have great rates. Check them out next time you are looking for a auto loan. read more

I have never had a problem with this bank. The staff are kind, efficient and intelligent. There are rarely ever lines. As my Credit Union is only a affiliate, problems and delays would be expected, but not here. There are delays with ATM depositing. All in all, I recommend all to stop on by and give this place a try! read more

I love using KeyPoint in Goleta, the staff is kind and knowledgeable, with a small town feel. If you like low fees and short lines- Bank here! read more

Our bank is Coasthills Credit Union in Lompoc. Where we used to reside. Keypoint is a satellite branch, in Goleta, where recently moved. For the record the customer service has to date been awesome up until today. Historically if we needed quick cash from our coasthills credit card. We would go into Coasthills and draw it out. It turns out that Keypoint has a limit of $500.00 which is fine most of the time but with my mother's passing in November we have had to make a trip and take time from work. This dipped into our bank account so we wanted to use our credit line to offset costs and pay bills. I got a cashiers check for $1,100. Something they were happy to charge for and I was happy to pay for. Upon receipt of said check, I glanced back to make sure no one was behind me waiting. There was no one, the bank was virtually empty. So I signed the back of the check and handed it to the cashier behind the counter for cashing. We had done this before on two occasions. But this time she informed me that her supervisor told her she was not allowed to cash the checks like this anymore. So I asked that the supervisor come and bring with her that policy. The lady called her supervisor and told her my exact words. After the call she said that the supervisor told her she could do it this one time only. I said thank you, and while she counted out the money I wrote down my email and passed it to her, requesting that her supervisor still needs to send me a written policy against cashing a prepaid cashiers check issued by the same exact bank. I thanked her again and left with my cash. But also feeling a little manipulated and belittled. I felt bad for the cashier too. This one experience has really soured my feelings of dealing with Keypoint. Maybe in part it is the grief and anger around my personal loss, but having been in the position of customer service director I can say that any business should consider honesty and being genuine to the public. This is the long and steady victory to quality business. Supplemental: So the reply by Kathy tells me that- 1. She did not fully read the complaint and just posted the policy i already stated which was not the complaint. Which is frustrating because if she did not care enough to read it... or 2. She deliberately redirected the complaint in an effort to purposefully confuse the actual issue for the reader. Which was "the cashing of the cashiers check. read more

Most professional yet friendly environment. Feels like a family whenever I come to KeyPoint. Rose is the best conversationalist, so speak with her if you get a chance. read more

One of the dwindling supply of Santa Barbara Credit Unions. One location in Goleta; a friendly staff.

This credit union is the best. I just completed a car loan with them and the service is outstanding. Carolina is extremely helpful, quick to respond to questions, and made the whole process very easy. The rates are great and their staff is even better. read more

I've been banking with Keypoint CU in Goleta for the past 8 years and have always had a great experience. Most recently, I had the pleasure of working with Ana on a car loan. In just 10 minutes at the counter, I told her what I needed and she was able to email me my pre-approval letter. We then finished the loan with a phone call and docusign for digital signatures over email which was most convenient for me. She was prompt, thorough and courteous. It couldn't have been easier. I had a great experience and look forward to using Keypoint again for a future loan. Thanks, Ana! read more

Awesome customer service. Always super friendly and always have answers to my many questions! Kelly is especially helpful and we have been banking with her and keypoint (was AEA before hand) for years!! read more

Applied online for a small $5,000 auto loan. (God forbid we actually get human to human contact and can go into the branch...) My loan application was accepted. I was thrilled. However it was then rejected once they got my paystub. I told them I had factored financial aid into my monthly income and then they had me submit paperwork for that. Once it was submitted - Oh actually we don't use financial aid as income. (Shouldn't you have known that before making me go through all this? No..) "Get a co-applicant" They said. So I did - my fiance's stepfather. The woman Melissa couldn't figure out how to access the co-applicant application online since apparently she doesn't know her own job description. Told her everything over the phone. Calls me back two days later (after countlessly not answering her phone and failing to return mine) she says they never ran the credit check as you can't use someone unrelated to you. (Idiot - I told you from the beginning my relation to the man was. Why make me go through all this s***). Can't stand the level of impersonalization and lack of job knowledge. You should know your own god damn criterion before you accept then reject then accept then reject me again. Will never recommend or go back to them. Terrible customer service. read more

KeyPoint has great rates on home loans and a very nice selection of options. We just re-financed our home with them and put a new HELOC in place. The process was quick and efficient. Kelly Hargreaves, the Manager, and the whole staff are accessible, responsive and very pleasant. There was not a single thing they could have done better. read more