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Keys Rates

Rates

Rates effective 04/01/2017


Consumer Loan Rates

  Rates as low as*
New Vehicles (2015 or newer) 1.49%
Used Vehicle (2015 or newer) 1.49%
Used Vehicle (2010 - 2014) 4.90%
Boats, Motorcycles and Recreational Vehicles  4.90%
Signature Loans                7.90%
Share Secured Loans         3.00% above share rate


 

Personal Savings, Money Market and Checking Accounts

  Minimum Balance APY1 Rate
Keys Savings $499 or less 0.01% 0.01%
  $500 - $2499 0.01% 0.01%
  $2500 - $9999 0.01% 0.01%
  $10000 or greater 0.01% 0.01%
Kirby Kids Savings $49 or less 0.00% 0.00%
  $50 - $999 0.01% 0.01%
  $1000 - $2499 0.01% 0.01%
  $2500 - $9999 0.01% 0.01%
  $10000 or greater 0.01% 0.01%
Keys Money Market $2,499 or less 0.00% 0.00%
  $2,500-$9,999 0.01% 0.01%
  $10,000-$49,999 0.01% 0.01%
  $50,000-$99,999 0.02% 0.02%
  $100,000 - $499,999 0.02% 0.02%
  $500,000 - $999,999 0.05% 0.05%
  $1,000,000 or greater 0.05% 0.05%
Keys IRA Money Market $2,499 or less 0.01% 0.01%
  $2,500-$9,999 0.01% 0.01%
  $10,000-$49,999 0.01% 0.01%
  $50,000-$99,999 0.02% 0.02%
  $100,000 - $499,999 0.02% 0.02%
  $500,000 - $999,999 0.05% 0.05%
  $1,000,000 or greater 0.05% 0.05%
Keys Premier Checking $1,000 - $9,999 0.01% 0.01%
  $10,000 - $24,999 0.01% 0.01%
  $25,000 - $49,999 0.01% 0.01%
  $50,000 - $99,999 0.01% 0.01%
  $100,000 or greater 0.01% 0.01%
Keys 50-Plus Checking $500 - $999 0.01% 0.01%
  $1,000-$9,999 0.01% 0.01%
  $10,000 - $24,999 0.01% 0.01%
  $25,000 - $49,999 0.01% 0.01%
  $50,000 - $99,999 0.01% 0.01%
  $100,000 or greater 0.01% 0.01%

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Business Savings, Money Market and Checking Accounts

  Minimum Balance APY1 Rate
Keys Business Money Market $2,499 or less 0.00% 0.00%
  $2,500-$9,999 0.01% 0.01%
  $10,000-$49,999 0.01% 0.01%
  $50,000-$99,999 0.02% 0.02%
  $100,000 - $499,999 0.02% 0.02%
  $500,000 - $999,999 0.05% 0.05%
  $1,000,000 or greater 0.05% 0.05%
Keys Premier Business Checking $1,000 or greater 0.01% 0.01%

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Share Certificates & IRA Certificates

Certificates Minimum Balance APY1 Rate
91 Days $2,500 0.05% 0.05%
6-Month $2,500 0.10% 0.10%
12-Month $500 0.20% 0.20%
24-Month $500 0.30% 0.30%
36-Month $500 0.40% 0.40%
48-Month $500 0.55% 0.55%
60-Month $500 0.90% 0.90%

Jumbo Share Certificates & IRA Certificates

Jumbo Certificates Minimum Balance APY1 Rate
91 Days $100,000 0.05% 0.05%
6-Month $100,000 0.10% 0.10%
12-Month $100,000 0.20% 0.20%
24-Month $100,000 0.30% 0.30%
36-Month $100,000 0.40% 0.40%
48-Month $100,000 0.55% 0.55%
60-Month $100,000 0.90% 0.90%


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1
APY = Annual Percentage Yield (For more information regarding Interest Rate and APY, Click Here.)
*APR = Annual Percentage Rate.  Subject to credit approval.  Your rate may be different than what is shown above and is dependent on your credit score and other factors.   Rates and terms are subject to change without notice.



Rates are subject to change. Last rate change 29 Jan 2015. Fees could reduce earnings on these accounts. On certificates, a penalty may be imposed for early withdrawal. Please refer to the Disclosures for information about dividend calculation methods and further details.

Your savings at Keys Federal Credit Union are federally insured up to at least $250,000 and backed by the full faith and credit of the United States Government. NCUA - National Credit Union Administration, a U.S. Government agency.

Keys FCU is an Equal Housing Lender