Keys Federal Credit Union

Overview / Commentary
3022 N Roosevelt Blvd
Key West, FL 33040

Keys Federal Credit Union is headquartered in Key West and is the 48th largest credit union in the state of Florida. It is also the 1,043rd largest credit union in the nation. It was established in 1940 and as of September of 2022, it had grown to 50 employees and 16,082 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 (1)

Great Local Alternative to big banks

Posted by: |

Very good customer service, that makes you feel welcome. Unlike big chain banks that might hit you oveer the head with overdraft fees and the like. This credit union is very forgiving if you overdraw your account, they are personable and knowledgeable in the products they offer.


Health Grade Components

NCUA #4135
Year Chartered1940
Primary Regulator
Profit Margin
Return on Assets - YTD0.99%
Return on Equity - YTD16.36%
Annual Interest Income$7.3MM
Assets and Liabilities
AssetsQ3 2022vs Q3 2021$279.1MM$242.6MM
LoansQ3 2022vs Q3 2021$173.1MM$146.8MM
DepositsQ3 2022vs Q3 2021$258.4MM$221.2MM
Equity CapitalQ3 2022vs Q3 2021$17.0MM$18.4MM
Loan Loss AllowanceQ3 2022vs Q3 2021$1.2MM$1.3MM
Unbacked Noncurrent LoansQ3 2022vs Q3 2021$860.00K$628.00K
Real Estate OwnedQ3 2022vs Q3 2021$0$0
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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

1.25%*$50*$1kKirby Kids Savings
OTHER TIERS: 0.50% $1k+
0.50%$5-Keys Savings

Keys Federal Credit Union Money Market Rates

1.00%--Super Saver Rewards - Key Total Checking w/ Direct Deposit and Debit Card AND One Consumer Loan, Visa Credit Card, Mortgage or HELOC
0.75%--Super Saver Rewards - Key Total Checking w/ Direct Deposit and Debit Card
0.75%--Super Saver Rewards - One Consumer Loan, Visa Credit Card, Mortgage or HELOC.
0.10%$2.5k-Keys Money Market
0.10%$2.5k-Keys IRA Money Market
0.05%$2.5k-Keys Business Money Market

Keys Federal Credit Union Checking Account Rates

0.01%$1k-Keys Premier Business Checking

Keys Federal Credit Union CD Rates

5.00%$500-60 Month Share Certificate
4.00%$500-48 Month Share Certificate
3.00%$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

5.00%$500-60 Month IRA Certificate
4.00%$500-48 Month IRA Certificate
3.00%$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

Keys Federal Credit Union Locations
Branch Office12790 Overseas HwyMarathon, FL 33050
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

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