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About Keys Federal Credit Union

Why should YOU join?


Own YOUR money

We are a not-for-profit financial cooperative where you’re more than a member; you’re an owner. That means you own a piece of the credit union. Profits are returned to YOU through better rates, personal service, low or no cost services and member rewards and discounts.

Dedicated to YOU

We’ve been serving the Keys for over 70 years. And, like you, we live and work in the Florida Keys. What we make in the Keys, stays in the Keys.
As a small close-knit community credit union, we can take the time to know you and truly give YOU personal service. Our member-owners are our friends, neighbors and even family. We understand the Keys uniqueness, traditions and economy. Count on our local knowledge and experience to make decisions that benefit YOU and our community. We make decisions locally, right here at home.

Protect YOUR money

We follow conservative investment practices, lend responsibly and have operated within our financial means since 1940. YOUR funds are federally insured by the NCUA.  Our members receive at least $250,000 in coverage on individual accounts including savings, checking, money market and share certificates.

Services that benefit YOU

At most banks, transactions completed after 2 p.m. are not credited to your account until the next business day. We process transactions on the same day; with no 2:00 p.m. cut-off time so you can access your funds faster. Keys Federal Credit Union looks at YOU, not just your history. Our local lending team uses their knowledge of the Keys economy and workforce to make fast loan decisions with flexible repayment options. We offer a variety of loan options such as auto, boat and recreational vehicles; secured, signature and personal loans. Whether you need a little or a lot, we have a loan for YOU!

What we make in the Keys stays with YOU

While we are not mandated to do good works as banks are, Keys Federal Credit Union supports a variety of service organizations throughout Monroe County simply because we care about our community. We strive to strengthen our connection with YOU and improve the quality of life for our neighbors.

YOUR success is our success

We operate under the philosophy of “people helping people” by offering low cost financial education services like Financial Peace University.

Green for EVERYONE

Keys Federal Credit Union saves trees and money with online banking, electronic statements, paperless deposits and withdrawals. We do not require deposit or transaction slips.
Download The Credit Union Difference to learn more about the value of your credit union membership.

Keys FCU is an Equal Housing Lender