Keys Federal Credit Union


3022 N Roosevelt Blvd
Key West, FL 33040
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Notable Rates APY Vs.Others
Savings N.A. 1.65% →
1-Year CD N.A. 2.02% →
2-Year CD N.A. 3.00% →
5-Year CD N.A. 3.35% →
30-Year Mortgage N.A. 6.31% →
15-Year Mortgage N.A. 5.86% →
HELOC N.A. 2.79% →

2022 Overview

General Credit Union Information

Keys is an NCUA insured institution located in Key West, FL. It was founded in 1940 and has approximately $256.91 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 4135
Date Established 1940
Assets $256.91 million
Loans $148.36 million
Deposits $234.39 million
Capital $19.72 million

Field of Membership Restrictions

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

Deposit Rates - June 27, 2022

Your Current Location: California, CA 92111

We do not yet have rates for Keys

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Note to Keys
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Advertiser Disclosure

Loan Rates - June 27, 2022

Your Current Location: California, CA 92111

There are currently no loan rates available for KEYS

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - California 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Points Fees Monthly
Learn More
CIT Bank, A Division of First Citizens Bank
NMLS ID: 503941
5.853% 5.750% 0.63 $2,880 $1,459 Learn More

Note to KEYS
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Below are Keys branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
San Diego,California

Climate Initiatives

KEYS is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

Financial Details

Keys Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Keys. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Keys U.S. Average
3.92% 4.85

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2021, Keys had $793,235 in non-current loans and $22,664 in owned assets. To cover these potential losses it had $19,716,825 in net worth and $1,070,612 in loans loss reserves. That gives it a Texas Ratio of 3.92%.

Net Worth
Keys U.S. Average
7.67% 12.36%

Keys FCU has a net worth of 7.67% versus the BestCashCow average of 12.36. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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