About Us


 

In 1940, a group of Civil Service Employees on Naval Air Station Key West received a federal charter and founded NAVSTA Federal Employees Federal Credit Union. Our founders believed if they worked together, they could provide more affordable financial services for everyone. They had a vision, and over 75 years later their vision has become Keys Federal Credit Union.

What is a Credit Union?

Credit Unions are not-for-profit financial cooperatives. This means a group of people pool their money together to benefit each other, in the form of better loan and dividend rates. A co-ops goal is to help each other, not to make a profit. This is a very important distinction from banks, especially in today’s economy. Locals Helping Locals is the Keys FCU Difference.

Who Can Join?

If you live or work in the Florida Keys, have an immediate family member who lives or works in the Florida Keys, or are a local military member you can join! Once you are a member, you can remain a member for life, regardless of whether you still live or work in the Keys. Join today and reap the benefits of membership for a lifetime!

We welcome Florida Keys businesses and non-profit organizations too.

Where Can I Join?

Open your membership at one of our convenient branches.
Please bring one of the following documents to verify eligibility for membership:

  • Current Florida driver’s license with local address (not PO Box)

  • Copy of a recent pay stub (no more than 1 month old)

  • A copy of utility bill (water, sewer, electric, phone, or cable), or a notice that service has been turned on

  • Two pieces of mail with name and the same local address. Acceptable pieces of mail are credit card statements, child support, or US Treasury check

  • Copy of lease/rent or mortgage document with local address

  • Copy of military orders

  • The phone numbers of two contacts that do not live with you

  • Proof of Membership Eligibility form completed by an immediate family member who is eligible for membership. A copy of local resident’s driver’s license must accompany form. Immediate family member is defined as: spouse, sibling, child, parent, grandparent, grandchild, stepparent, stepchild, stepsibling, adoptive parent, adoptive child or adoptive sibling. Businesses are NOT considered immediate family members

Download our new member eligibility and ID verification check list for personal and business accounts.

What do I need to bring with me to establish my business membership?

For all business accounts we require the following of each person with 25% or more interest in the legal entity and all persons with significant responsibility:

  • Name

  • Address

  • Date of Birth

  • Copies of ID

  • Social Security Number

Sole Proprietorship

  • Monroe County Business tax receipt

  • Copy of Social Security Card

  • Copy of Fictitious Name Filing

  • Address and phone numbers of two contacts that do not live with you

Partnership

  • Monroe County Business Tax receipt

  • Copy of Federal Tax ID #

  • Copy of Partnership Agreement

  • Copy of Fictitious Name Filing, if applicable

  • Address and phone numbers of two contacts that do not live with you

Limited Liability Company (L.L.C.)

  • Monroe County Business Tax receipt

  • Copy of Federal Tax ID #

  • Copy of LLC Articles of Corporation

  • Copy of Fictitious Name Filing, if applicable

  • The address and phone numbers of two contacts that do not live with you.

Corporation (Inc.)

  • Monroe County Business Tax receipt

  • Copy of Federal Tax ID #

  • Copy of Articles of Corporation

  • Copy of Fictitious Name Filing, if applicable

  • Non Profit(Inc.) also need Copy of 501(c)(3), if applicable

  • The address and phone numbers of two contacts that do not live with you.

Non Profit Organization (if not incorporated)

  • Copy of Federal Tax ID #

  • Letter of Authorization or copy of signed minutes

  • Copy of the 501(c)(3) document, if applicable

  • The address and phone numbers of two contacts that do not live with you.

Club, Memorial, or Donation Fund

  • Copy of Social Security Card of the signer(s)

  • Purpose statement from signer(s)

  • The address and phone numbers of two contacts that do not live with you.