Who Can Join

Keys Federal Credit Union is a not-for-profit, member owned financial institution serving members since 1940. Unlike banks, that are strictly profit driven, we return excess earnings to our members in the form of lower rates on loans, higher yields on savings accounts, friendly and personal service, and by adding new products and services that meet your needs.

15,000 members enjoy the services and benefits of credit union membership at Keys Federal Credit Union. You too can join Keys Federal Credit Union and discover the “credit union difference”. 

If you work or live anywhere in the Florida Keys you are eligible to join! And your family, businesses and non-profit organizations are, too! 

The benefits?  We offer a terrific set of federally-insured transaction and deposit services and a full range of consumer, mortgage and business loans. We provide service to members worldwide through an extensive member service network consisting of 5 branches in the Keys, ATM access, free 24 hour online and phone account access and a toll-free Member Service Center.

Keys Federal Credit Union subscribes to the philosophy of "once a member, always a member". Once you have become a member, you can be a member for life, regardless of whether you work or live in the Keys. However, once your membership is terminated, you must meet all eligibility requirements again before you can rejoin.

Interested in joining or need information?

• e-mail us at info@keysfcu.org,
• call our Member Service Center at (305) 294-6622 or (800) 805-7535, or
• visit any of our offices at Peary Court, Overseas Market, Southard Street, or Big Pine Key or Marathon Shores.