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Switch to Keys FCU!

Use our Switch Kit to consolidate
your accounts and simplify your finances.

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Keys Loans

Credit Cards

Take charge of your purchasing power with the Keys Federal Credit Union Visa® credit card that’s right for you! Our value-packed credit card program gives you the flexibility to earn rewards on purchases, take out free cash advances* and balance transfers*, and transfer higher-rate credit card balances to our card so you can save money.

 

Apply for your Keys Federal Credit Union Visa® card today!
Apply here, call 305-293-6000 or visit any branch

 

 

Keys Federal Credit Union cards will outperform any other card in your wallet.

Regardless of how many credit cards you may already have, a Keys Federal Credit Union Visa card can make your life easier with great rates, low fees and convenient services that save you time and money. Why should you switch to a Keys Federal Credit Union Visa card?
  • Lower Rates: Keys Federal Credit Union offers variable rates based on the Prime Rate that will never be more than 18%APR. While there is no restriction on the interest rate a bank, for-profit company or retail store can charge you.
  • Lower Fees: We have either no fee or a lower fee on balance transfers, cash advances and foreign transactions.
  • Face to Face Local Service: When was the last time you walked into your credit card provider’s office and spoke to them face to face about your account?  With a Keys FCU card you can speak to a local Member Service Representative about your account at any branch in Key West or Marathon. 
  • Fast Local Decisions: We look at more than just your credit score. Like you, we live and work here. We have over 75 years experience with the unique Keys economy.    
  • Complete Financial Solutions: We exist to serve you. Your membership at Keys Federal Credit Union provides you with a variety of FREE or low cost financial solutions to help you reduce your expenses, plan for your retirement, finance your purchases and bring your dreams to life.
  • Full Account Integration: Enjoy the flexibility and convenience of managing your credit card account information in the same manner as your banking.  All of your Keys Federal Credit Union financial information can be managed with ease. You no longer need to visit multiple websites or remember multiple passwords. View your account with one of our Member Service Representatives in the branch, over the phone, with our mobile app or through Online Banking. 
  • Member Rewards: Keys FCU credit card holders receive all the rewards provided with your Keys FCU membership including a FREE local and national Member Rewards Program, FREE Notary Service, FREE Credit Report Reviews, FREE Mobile Banking, FREE online Bill Pay, FREE e-statements and e-Alerts and more.
  • Convenient Online Payments: Make a payment on your Keys FCU credit card balance through Online Banking. Just login to your account through Online Banking and click the "Credit Cards" tab.

 

 

Choose the Keys FCU Visa card that fits your lifestyle.

 

Visa Signature Rewards

Visa Platinum Rewards

Visa Platinum 

Visa Platinum Secure

Visa Platinum Business

An excellent choice if you:

 
Pay off your balance each month. Love to travel and enjoy being rewarded for your purchases. 
Love to be rewarded for your purchases. Will redeem your rewards in the near future.
Carry a balance on their card and want to save money on interest or pay down debt.
Want to repair or establish credit and have savings to secure your credit line. 
Would like to earn rewards and save money on your small business expenses.

Introductory Offer

2.9%APR for the 1st 6 months*.
2.9%APR for the 1st 6 months*.
2.9%APR for the 1st 6 months*.
n/a
n/a

Annual Percentage Rate (APR)

Variable rates based on the Prime Rate that cannot exceed 18%. 
Variable rates based on the Prime Rate that cannot exceed 18%. 
Variable rates based on the Prime Rate that cannot exceed 18%. 
Variable rates based on the Prime Rate that cannot exceed 18%. 
Variable rates based on the Prime Rate that cannot exceed 18%. 

Maximum APR

18%APR
18%APR
18%APR
18%APR
18%APR

CU Rewards® Program

Yes
Yes
No
No 
Yes

CU Rewards® Details
Visit curewards.com for details.

Earn 1 point for every dollar spent on purchases. Points do not expire. 
Earn 1 point for every dollar spent on purchases. Points valid for 3 years. 
n/a
n/a
Earn 1 point for every dollar spent on purchases. Points do not expire. 

Credit Limits

$5,000 to $50,000
$1,000 to $50,000
$1,000 to $50,000
$500 to $50,000
$1,000 to $50,000

Cash Advance Fee

$0 for the 1st 6 months*.
$0 for the 1st 6 months*.
$0 for the 1st 6 months*.
 
n/a
 
$10 or 2% of each advance up to $999 whichever is greater*. 

Balance Transfer Fee

$0 for the 1st 6 months*.
$0 for the 1st 6 months*.
$0 for the 1st 6 months*.
 
n/a 
 
$10 or 2% of each transfer up to $75 whichever is greater*. 

Foreign Transaction Fee

1% of each transaction in U.S. dollars 
1% of each transaction in U.S. dollars 
1% of each transaction in U.S. dollars 
1% of each transaction in U.S. dollars 
1% of each transaction in U.S. dollars 

 

Amplify your savings with even more benefits!
  • No Annual Fee
  • 25-day grace period on new purchases
  • Card personalization with Design your own card.
  • Immediate emergency card replacement
  • Visa Alerts sent via email, text or both
  • Auto Rental Collision Damage Waiver
  • Cash access whenever and wherever you need it with worldwide acceptance at more than 30 million merchant locations and 1.4 million ATMs.   
A Visa Signature Rewards card maximizes your purchasing power with all the benefits above plus the special travel benefits below.  View the Visa Signature Guide to Benefits for details.
  • Roadside Dispatch
  • Travel and Emergency Assistance
  • Travel Accident Insurance
  • Lost Luggage Reimbursement
  • Warranty Manager Service
  • Visa Signature  Concierge
  • Visa Signature Perks
  • Purchase Security
Visa Business Rewards cards are the perfect small business partner. Earn Rewards for your purchases while receiving valuable benefits that help your business grow. View the Visa Business Guide to Benefits for more details.
  • No Annual Fee
  • 25-day grace period on new purchases
  • Purchase Security and Extended Protection
  • Auto Rental Collision Damage Waiver
  • Travel and Emergency Assistance
  • Employee cards               
  • Immediate emergency card replacement
  • Visa Alerts sent via email, text or both
  • Cash access whenever and wherever you need it with worldwide acceptance at more than 30 million merchant locations and 1.4 million ATMs.   
Keep more money in your wallet with FREE Balance Transfers
Transfer your other credit card balances to one of our new Visa credit cards for FREE!* Save time by consolidating your finances into one convenient account and save money with our introductory offer of 2.9%APR* for 6 months*. To see how much you can save, use our Financial Calculators to compare the rate on your bank or retail credit cards with our card. Simply complete and return this Balance Transfer Form to reduce your expenses today!
CURewards®
Reward yourself for shopping smart with a Keys FCU Visa Signature, Platinum Rewards or Business Rewards card. Every time you make a purchase with a Rewards card, you’ll earn CURewards points for every net dollar in purchases you charge. You can redeem your points anytime for merchandise such as HDTVs, golf clubs, or travel like airline flights, cruise and vacation discounts and even auto rental. Your monthly statement will detail your point activity. Visit curewards.com for complete details.

Design Your Own Card

Create your own Keys FCU Credit Card with a personal photo that makes you smile! Use your own picture or chose from our library of photos. Just login to your account through Online Banking and click the "Credit Cards" tab.

Planning a trip? Tell us about your travel plans.

If you’re planning to travel outside the keys, please let us know so we can notate your account and help make your trip more enjoyable!  We want to make sure you can access your Keys FCU accounts while you’re away. 
If you are traveling within the United States:
Please contact us at 305-294-6622 or 1-800-805-7535 with the dates and cities/states you will be visiting.
If you are traveling outside the United States:
Please complete and return The Notice of International Travel form at least 2 weeks prior to your trip. You may bring it into any branch, email it to info@keysfcu.org  or fax it to 305-293-6051. Please include all the countries you will be visiting - including any countries where you may have a layover in case you need cash or to use your Keys FCU Visa credit card.

Do you have a Keys Federal Credit Union Elan Visa credit card?

Keys Federal Credit Union is no longer affiliated with this credit card provider. We invite you to transfer your credit card balances to one of our new Visa credit cards for FREE!2 Plus, you may be able to cut your interest expenses with our introductory offer of 2.9%APR* for 6 months*.  To see how much you can save, use our Financial Calculators to compare the rate on your Elan credit card with our new Visa credit card. Simply complete and return this Balance Transfer Form to reduce your expenses today. For service on an Elan card click here.
Apply for your Keys Federal Credit Union Visa® card today!
Apply here, call 305-293-6000 or visit any branch

Please refer to the Visa Credit Card Disclosure for complete details, terms and conditions.

To qualify for a Keys Federal Credit Union Visa credit card, you must be or become a Keys Federal Credit Union member.
  • Offer is valid for cash advances from the date of first advance. After that a variable rate up to 18% APR will apply, based on your credit score and card selection. Limited to cash advances posted to your account within the first six months of card issuance. Any cash advances posted to your account after the first 6 months will be charged 2% (maximum $999.00, minimum $10.00) of the amount transferred. Offer is not valid on Visa Platinum Secure or Business cards.
  •  Offer is valid for balance transfers from the date of first transfer. After that a variable rate up to 18% APR will apply, based on your credit score and card selection. Limited to balances transferred from other financial institutions posted to your account within the first six months of card issuance. Any balance transfers posted to your account after the first 6 months will be charged 2% (maximum $75.00, minimum $10.00) of the amount transferred. Offer is not valid on Visa Platinum Secure or Business cards.
  • Restrictions may apply. Offer not available on Visa Platinum Secure or Business cards. Transaction must occur within the first six months of card issuance. Introductory APR ends after 6 months, and balances accrue interest at the APR in effect on your account. Offer is valid for purchases, balance transfers and cash advances from the date of first transaction. Offer can be modified or withdrawn at any time without notice. Please contact us for specific rate information.
  • APR = Annual Percentage Rate. Subject to credit approval. Restrictions may apply. Rates are based on prime and are subject to change without notice.

 

Keys FCU is an Equal Housing Lender