Preferred Credit

Preferred credit solutions can play a major part in achieving your financial plan. With Key Private Bank, you have a customized banking experience and options that provide the liquidity you need to build your wealth and meet your specific goals.

Customized Credit Solutions

Key Private Bank collaborates with you to determine the best solutions, whether they’re for short-term financing, complex long-term needs or jumbo mortgages.

Leverage Investment Assets Held at KeyBank

Use your investment portfolio as a tool to provide flexible and affordable short-term liquidity. Liquidating stocks or bonds can have tax and long-term investment consequences—speak with the experienced Key Private Bank team for guidance on strategies to leverage your investment portfolio to achieve your financial goals and avoid potential pitfalls.

Residential Real Estate Solutions

Whether you’re buying a primary residence, second home or vacation home, you can use Key Private Bank to help you manage the complexities of the financial process. Your Key advisors will conduct a complete review of your unique financial plan and help you identify which real estate solutions make the most sense for your situation and goals.

Key Private Bank’s dedicated team of residential real estate professionals is experienced in meeting our client’s complex needs, including:

  • Traditional and Jumbo mortgages
  • Home Equity Loans
  • Home Equity Lines of Credit
  • Mortgage/Home Equity simultaneous closings

Customized Credit Solutions

Key Private Bank’s multi-disciplinary team of experts offer specialized and custom credit solutions to Key Private Bank relationship holders seeking to acquire or leverage specialty assets.

Your experienced team can structure and execute customized solutions to fit your specific needs, including:

  • Art and collectibles
  • Aircraft
  • Marine
  • Partner programs
  • Cash value life insurance
  • Physician practice buy-in
  • Non-Owner Occupied Real Estate

Learn how customized credit solutions can make a difference for you.

Personal Lines of Credit

The Key Private Bank Preferred Credit Line is an unsecured revolving line that provides quick access to funds for short-term needs. The Preferred Credit Line also can be used to bridge mismatches in cash flow, for asset sales, and to provide the security of overdraft protection.1

The Key Private Bank MasterCard® Credit Card with World Elite Benefits

Offered exclusively to Key Private Bank clients, the Key Private Bank MasterCard® Credit Card adds another level of convenience while maximizing your access to benefits and rewards.2

LoungeKey™ airport lounge access – Cardholders will relish unlimited access to quiet, comfortable VIP lounges with more than 1,000 locations in airports worldwide. Get work done, unwind, or entertain clients and guests.3

Our Approach

Manage your financial plan, digitally.

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Our Insights

Get expert commentary and insights.

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Lifestyle & Travel

Buying a vacation home: Is it time to make a move?

at a vacation home by a lake

Minimum combined balance requirement of $100,000 in any combination of qualified accounts is required to avoid a monthly maintenance fee of $50. Total relationship includes consumer checking and savings accounts, certificates of deposit, retirement deposits, consumer loan and line of credit balances, and credit card balances at Key. See your Key Private Bank advisor for details and fees of the Key Private Bank Checking account.


The PCL product cannot be used as overdraft protection on the following accounts:

  • savings accounts
  • KeyBank Hassle-Free Accounts
  • checking account in the name of a trust
  • checking accounts with representative payee, custodian, or POA designations
  • non-consumer-purpose checking accounts

Certain exclusions apply. The KeyBank Rewards Program Terms and Conditions and Points Guide are subject to change and can be found at Rewards program annual fees may apply.


Any additional entries into participating LoungeKey locations are subject to entry fees. Please refer to LoungeKey program terms and conditions for additional details, terms, conditions, and benefits.

All credit products are subject to credit approval.

Key Private Bank is part of KeyBank National Association (KeyBank). Bank and trust products are provided by KeyBank.

Investment products are:


KeyBank does not provide legal advice.