2019 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 4135
Date Established 1940
Assets $150.32 million
Loans $113.71 million
Deposits $135.09 million
Capital $12.16 million

Keys is an NCUA insured institution located in Key West, FL. It was founded in 1940 and has approximately $150.32 millions in assets.

Field of Membership Restrictions

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

Deposit Rates - August 19, 2019

Your Current Location: Virginia, VA 20146

We do not yet have rates for Keys

We're working to get deposit rates for every credit union in the world. Please bare with us until we are able to get rates for this credit union.

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Note to Keys
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There are currently no rates available for Keys, but see these great savings and CD rates:

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Loan Rates - August 19, 2019

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
3.530% 3.500% 0.38 $940 $1,123 Learn More
Rocket Mortgage
NMLS ID: 3030
4.750% 4.750% 0.00 $0 $1,305 Learn More
First Internet Bank
NMLS ID: 424182
3.641% 3.625% 0.25 $502 $1,141 Learn More
Hamilton National Mortgage Co.
NMLS ID: 122701
3.632% 3.625% 0.13 $212 $1,141 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info

Note to KEYS
To upload and update your bank's rates please register. It is free to register and add rates.


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:

Keys Locations

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
9.63% 6.77

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 March 31, 2019, Keys had $1,228,971 in non-current loans and $170,550 in owned assets. To cover these potential losses it had $12,156,506 in net worth and $2,381,402 in loans loss reserves. That gives it a Texas Ratio of 9.63%.

Net Worth
Keys U.S. Average
8.08% 13.47%

Keys FCU has a net worth of 8.08% versus the BestCashCow average of 13.47. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Keys

Branches and Savings

What is Keys?

A federal credit union, registered with the NCUA under certificate #4135.
Learn more about credit unions here.

Is Keys FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Keys?

Please see Field of Membership information above for information on who is eligible to join.

What are Keys's share account and share certificate rates?

Keys's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Keys?

Keys has total capital of $12.16 million. Full information on Keys's financial position is located above.

Who owns Keys?

Credit Unions are owned by their members.

Where are Keys branches located?

See branch locations nearby.

Are Keys ATMs Open 24/7?

Do Keys ATMs accept cash deposits?

Can Keys customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Keys have a mobile app?

Does Keys have mobile deposit?

Does Keys have quick pay?

How can Keys transfer money to other banks or credit unions?

Does Keys report to credit bureaus?

Does Keys use Chexsystems?

Does Keys use Equifax?

What is Keys's toll free phone number?

What is Keys's ACH Routing Number?

What is Keys's SWIFT code?

Where can I find Keys's wire transfer form?

What is the Keys address for deposits?

What Products Does Keys Offer

Does Keys offer mortgages?

Compare mortgage rates here.

Does Keys offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Keys offer auto and RV loans?

Compare auto loan rates here.

Does Keys offer student loans or personal loans?

Compare personal loan rates here.

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