Overview / Commentary
800-805-7535
3022 N Roosevelt Blvd
Key West, FL 33040

Keys Federal Credit Union is headquartered in Key West and is the 52nd largest credit union in the state of Florida. It is also the 1,302nd largest credit union in the nation. It was established in 1940 and as of September of 2018, it had grown to 49 employees and 13,959 members at 4 locations. Keys Federal Credit Union's money market rates are 2X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership is open to those who live or work anywhere in the Florida Keys and their immediate family.
See current membership details

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Reviews (1)

Great Local Alternative to big banks

Posted by: MJ2 | Jun 1, 2014

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

Health Grade Components

Overall
NCUA #4135
Year Chartered1940
Employees49
Primary Regulator
Profit Margin
Return on Assets - YTD-0.18%
Return on Equity - YTD-2.29%
Annual Interest Income$5.7MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$143.1MM$139.1MM
LoansQ3 2018vs Q3 2017$115.1MM$103.2MM
DepositsQ3 2018vs Q3 2017$128.7MM$124.9MM
Equity CapitalQ3 2018vs Q3 2017$11.6MM$11.4MM
Loan Loss AllowanceQ3 2018vs Q3 2017$2.1MM$859.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$693.00K$1.0MM
Real Estate OwnedQ3 2018vs Q3 2017$526.00K$489.00K
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
1.00%*$50*$2.5kKirby Kids Savings
OTHER TIERS: 0.03% $2.5k - $10k | 0.05% $10k+
0.10%*$2.5k*-Keys Savings
OTHER TIERS: 0.05% Up to $2.5k

Keys Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$1m*-Keys Money Market
OTHER TIERS: 0.40% $2.5k - $50k | 0.55% $50k - $100k | 0.80% $100k - $500k | 0.90% $500k - $1m
1.00%*$1m*-Keys IRA Money Market
OTHER TIERS: 0.40% Up to $50k | 0.55% $50k - $100k | 0.80% $100k - $500k | 0.90% $500k - $1m
1.00%*$1m*-Keys Business Money Market
OTHER TIERS: 0.40% $2.5k - $50k | 0.55% $50k - $100k | 0.80% $100k - $500k | 0.90% $500k - $1m

Keys Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%*$100k*-Keys Premier Checking
OTHER TIERS: 0.03% $1k - $10k | 0.05% $10k - $25k | 0.07% $25k - $50k | 0.10% $50k - $100k
0.15%*$100k*-Keys 50 Plus Checking
OTHER TIERS: 0.01% $500 - $1k | 0.03% $1k - $10k | 0.05% $10k - $25k | 0.07% $25k - $50k | 0.10% $50k - $100k
0.15%*$100k*-Keys Premier Business Checking
OTHER TIERS: 0.03% $1k - $10k | 0.05% $10k - $25k | 0.07% $25k - $50k | 0.10% $50k - $100k

Keys Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.25%$500-60 Month Share Certificate
3.25%$100k-60 Month Jumbo Share Certificate
3.00%$500-48 Month Share Certificate
3.00%$100k-48 Month Jumbo Share Certificate
2.75%$500-36 Month Share Certificate
2.75%$100k-36 Month Jumbo Share Certificate
2.50%$500-24 Month Share Certificate
2.50%$100k-24 Month Jumbo Share Certificate
2.25%$500-23 Month Bump Up Share Certificate
2.25%$100k-23 Month Bump Up Jumbo Share Certificate
1.75%$500-12 Month Share Certificate
1.75%$100k-12 Month Jumbo Share Certificate
1.50%$500-13 Month Bump Up Share Certificate
1.50%$100k-13 Month Bump Up Jumbo Share Certificate
0.35%$2.5k-6 Month Share Certificate
0.35%$100k-6 Month Jumbo Share Certificate
0.25%$2.5k-91 Day Share Certificate
0.25%$100k-91 Day Jumbo Share Certificate

Keys Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.25%$500-60 Month IRA Certificate
3.25%$100k-60 Month Jumbo IRA Certificate
3.00%$500-48 Month IRA Certificate
3.00%$100k-48 Month Jumbo IRA Certificate
2.75%$500-36 Month IRA Certificate
2.75%$100k-36 Month Jumbo IRA Certificate
2.50%$500-24 Month IRA Certificate
2.50%$100k-24 Month Jumbo IRA Certificate
2.25%$100k-23 Month Bump Up Jumbo IRA Certificate
2.25%$500-23 Month Bump Up IRA Certificate
1.75%$500-12 Month IRA Certificate
1.75%$100k-12 Month Jumbo IRA Certificate
1.50%$100k-13 Month Bump Up Jumbo IRA Certificate
1.50%$500-13 Month Bump Up IRA Certificate
0.35%$2.5k-6 Month IRA Certificate
0.35%$100k-6 Month Jumbo IRA Certificate
0.25%$2.5k-91 Day IRA Certificate
0.25%$100k-91 Day Jumbo IRA Certificate
Locations


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

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