Keys Federal Credit Union


Po Box 1898
Key West, FL 33041
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.75% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.25% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Keys is an NCUA insured institution located in Key West, FL. It was founded in 1940 and has approximately $231.14 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 4135
Date Established 1940
Assets $231.14 million
Loans $141.99 million
Deposits $211.26 million
Capital $17.40 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 - October 19, 2021

Your Current Location: Connecticut, CT 06828

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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Loan Rates - October 19, 2021

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
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Rocket Mortgage
NMLS ID: 3030
3.590% 3.500% 0.63 $2,812 $1,123 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
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Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
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Third Federal Savings and Loan
Third Federal Savings and Loan
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2.240 %
$0 Learn More
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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:

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
3.20% 3.79

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 June 30, 2021, Keys had $594,727 in non-current loans and $6,775 in owned assets. To cover these potential losses it had $17,401,553 in net worth and $1,417,793 in loans loss reserves. That gives it a Texas Ratio of 3.20%.

Net Worth
Keys U.S. Average
7.52% 12.22%

Keys FCU has a net worth of 7.52% versus the BestCashCow average of 12.22. 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. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Keys is insured by the NCUA.

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 $17.40 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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