Business Details
50+ Years
experience
Your Trusted Credit Union in Key West, FL
Keys Federal Credit Union has served the Florida Keys community since 1940, operating as a not-for-profit financial institution dedicated to improving members' financial well-being. Founded by nine civil service workers with a $110 pooled investment, we've grown to serve over 14,000 members through six branches and digital platforms. Our cooperative model uses local savings to fund community loans, with a volunteer board ensuring accountability to members' interests. We combine 84 years of experience with modern financial technology, offering checking accounts, savings programs, mortgage solutions, and business loans.Our commitment to financial education includes partnerships with Banzai, CUAchieve, and Zogo to provide interactive learning tools. Recognized with multiple industry awards, we maintain federal insurance coverage up to $250,000 through NCUA. Our community focus extends to military support programs, local sponsorships, and disaster recovery initiatives. We operate extended hours across multiple locations while maintaining 24/7 digital access to banking services.
Services
Checking Accounts
Savings Accounts
Auto Loans
Mortgage Loans
Credit Cards
Online Banking
Mobile Banking
Financial Education
Wire Transfers
Bill Pay
Details
- Year established: 1940
Highlights and features
- We've served the Florida Keys community for 84 years with local decision-making
- Our not-for-profit structure returns profits to members through better rates
- We offer FREE CASH BACK Checking accounts with school reward programs
- Our financial education partnerships benefit all age groups through multiple platforms
- We maintain 24/7 digital banking access with advanced security protections
Associations and certifications
- National Credit Union Administration (NCUA)
Services
FREE CASH BACK Checking
Our FREE CASH BACK Checking accounts offer cash rewards for everyday spending. Available in Canes, Conch, and Dolphin Pride versions, these accounts provide up to $15 monthly rewards for members and schools. Features include no monthly fees, free eStatements, and convenient access through 24/7 online banking. Members benefit from local decision-making and community-focused financial services.
Mortgage Loans
We offer competitive mortgage solutions including 15 and 30-year fixed rates, adjustable-rate mortgages, and FHA/VA options. Our local loan officers provide personalized guidance through the home buying process. Competitive rates start at 3.49% APR with terms up to 84 months. We also offer refinancing options to help reduce monthly payments without pre-payment penalties.
Financial Education
Through partnerships with Banzai, CUAchieve, and Zogo, we provide free interactive financial education tools. Programs cover budgeting, saving, and credit management for all age groups. Our mobile app includes educational resources and real-time financial tracking features. These initiatives support our mission to improve financial literacy in the Florida Keys community.
Mobile Banking
Our mobile app enables 24/7 account access with features like mobile check deposit, person-to-person payments, and real-time alerts. Users can manage multiple accounts, pay bills, and transfer funds securely. The app includes advanced security features with biometric login options. Available for iOS and Android devices with regular updates for improved functionality.
Auto Loans
We provide competitive auto loan rates starting at 3.49% APR for qualified borrowers. Loan terms up to 84 months available for new and used vehicles. Members can pre-apply online and receive instant rate quotes. Our financing options include refinancing opportunities to lower existing payments without pre-payment penalties. Local dealers accept our financing with convenient application processes.
Questions
How do I access online banking services?
Visit our website and click 'Online Banking' to log in with your credentials. New users should click 'Register' to create an account.
What loan options are available for first-time homebuyers?
We offer FHA loans with low down payment requirements and competitive rates for first-time homebuyers in the Florida Keys.
Can I deposit checks using my mobile phone?
Yes, our mobile banking app allows check deposits with limits up to $5,000 daily for personal accounts.
What are the benefits of credit union membership?
Members receive better rates, cash back rewards, financial education, and local decision-making benefits.
How do I report a lost or stolen debit card?
Call 1-866-820-8771 immediately to report lost or stolen debit cards outside regular business hours.
What financial education resources do you provide?
We offer free interactive tools through Banzai, CUAchieve, and Zogo covering all aspects of personal finance.
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