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Keys Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.keysfcu.org
305-294-6622
3022 N Roosevelt Blvd
Key West, FL 33040

Keys Federal Credit Union is headquartered in Key West and is the 51st largest credit union in the state of Florida. It is also the 1,103rd largest credit union in the nation. It was established in 1940 and as of March of 2025, it had grown to 52 employees and 18,298 members at 6 locations. Keys Federal Credit Union's CD rates are 11% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Keys Federal Credit Union is open to anyone (including immediate family) who lives or works in the Florida Keys, and local military members.
See current membership details

Reviews

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Health
B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #4135
Year Chartered1940
Employees52
Primary Regulator
Profit Margin
Return on Assets - YTD0.33%
Return on Equity - YTD3.56%
Annual Interest Income$3.4MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$263.5MM$262.8MM
LoansQ1 2025vs Q1 2024$179.9MM$181MM
DepositsQ1 2025vs Q1 2024$230.7MM$235.9MM
Equity CapitalQ1 2025vs Q1 2024$24.1MM$20.4MM
Loan Loss AllowanceQ1 2025vs Q1 2024$2.7MM$3.3MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$1.3MM$1.2MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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Always verify rates and promotions with the bank or credit union. We are not Keys Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Keys Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.10%*$50*$1kKirby Kids Savings
OTHER TIERS: 0.10% → $1k+
0.10%$5-Keys Savings

Keys Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$0-Super Saver Rewards - Key Total Checking w/ Direct Deposit and Debit Card AND One Consumer Loan, Visa Credit Card, Mortgage or HELOC
0.75%$0-Super Saver Rewards - Key Total Checking w/ Direct Deposit and Debit Card
0.75%$0-Super Saver Rewards - One Consumer Loan, Visa Credit Card, Mortgage or HELOC.
0.35%$2.5k-Keys Money Market
0.35%$2.5k-Keys IRA Money Market
0.35%$2.5k-Keys Business Money Market

Keys Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.01%$1k-Keys Premier Business Checking

Keys Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.50%$500-60 Month Share Certificate
3.50%$500-48 Month Share Certificate
2.50%$500-36 Month Share Certificate
2.00%$500-24 Month Share Certificate
1.00%$500-12 Month Share Certificate
0.75%$2.5k-6 Month Share Certificate

Keys Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.50%$500-60 Month IRA Certificate
3.50%$500-48 Month IRA Certificate
2.50%$500-36 Month IRA Certificate
2.00%$500-24 Month IRA Certificate
1.00%$500-12 Month IRA Certificate
0.75%$2.5k-6 Month IRA Certificate
Locations


Keys Federal Credit Union Locations
Branch Office514 Southard StKey West, FL 33040
Branch Office3022 N Roosevelt BlvdKey West, FL 33040
Branch Office29977 Overseas HwyBig Pine Key, FL 33043
Branch Office5300 Overseas Hwy Ste 1Key West, FL 33040-4327
Branch Office91200 Overseas Hwy Ste 15Tavernier, FL 33070-2535
Branch Office5050 Overseas HwyMarathon, FL 33050

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