Credit Cards


 

Our cards give you the flexibility to earn rewards on purchases, take out free cash advances* and transfer higher rate credit card balances to our card so you can save money.

While there is no restriction on the interest rate a bank, for-profit company or retail store can charge you we offer variable rates based on the Prime Rate that will never be more than 18% APR*.

  • Lower Fees: we have either no fee or a lower fee on balance transfers, cash advances and foreign transactions. 
  • Face to Face Local Service: with a Keys FCU card you can speak to a local member service representative about your account at any branch in Key West, Big Pine or Marathon.  
  • Fast Local Decisions: we look at more than just your credit score. 
  • Full Account Integration: enjoy the flexibility and convenience of managing your credit card account information without visiting multiple websites or remembering multiple passwords. View your account with one of our member service representatives in the branch, over the phone, with our mobile app or through Online Banking.  
  • Convenient Online Payments: make a payment on your Keys FCU credit card balance through Online Banking. Just login to your account through Online Banking and click the "Credit Cards" tab.

⇩ Scroll Table Left And Right ⇩
Credit Information Visa Signature Rewards Visa Platinum Rewards Visa Platinum Visa Platinum Secure Visa Platinum Business
An excellent choice if you: Pay off your balance each month. Love to travel and enjoy being rewarded for your purchases.  Love to be rewarded for your purchases. Will redeem your rewards in the near future. Carry a balance on their card and want to save money on interest or pay down debt. Want to repair or establish credit and have savings to secure your credit line.  Would like to earn rewards and save money on your small business expenses.
Introductory Offer 2.9% APR for the first 6 months*. 2.9% APR for the first 6 months*. 2.9% APR for the first 6 months*. n/a n/a
Annual Percentage Rate (APR*) Variable rates based on the Prime Rate.  Variable rates based on the Prime Rate.  Variable rates based on the Prime Rate.  Variable rates based on the Prime Rate.  Variable rates based on the Prime Rate. 
Maximum APR* 18%* 18%* 18%* 18%* 18%*
CU Rewards® Program Yes Yes No No Yes
CU Rewards® Details Visit curewards.com for details. Earn 1 point for every dollar spent on purchases. Points do not expire.  Earn 1 point for every dollar spent on purchases. Points valid for 3 years.  n/a n/a Earn 1 point for every dollar spent on purchases. Points do not expire. 
Credit Limits $5,000 to $50,000 $1,000 to $50,000 $1,000 to $50,000 $500 to $50,000 $1,000 to $50,000
Cash Advance Fee $0 for the first 6 months*. $0 for the first 6 months*. $0 for the first 6 months*. n/a $10 or 2% of each advance up to $999 whichever is greater*. 
Balance Transfer Fee $0 for the first 6 months*. $0 for the first 6 months*. $0 for the first 6 months*. n/a $10 or 2% of each advance up to $75 whichever is greater*.
Foreign Transaction Fee 1% of each transaction in U.S. dollars 1% of each transaction in U.S. dollars 1% of each transaction in U.S. dollars 1% of each transaction in U.S. dollars 1% of each transaction in U.S. dollars

Additional benefits

  • No Annual Fee
  • 25-day grace period on new purchases
  • Card personalization with design your own card.
  • Immediate emergency card replacement
  • Visa Alerts sent via email, text or both
  • Visa Account Updater
  • Auto Rental Collision Damage Waiver
  • Worldwide acceptance at more than 30 million merchant locations and 1.4 million ATMs.   

A Visa Signature Rewards card maximizes your purchasing power with all the benefits above plus special travel benefits.  View the Visa Signature Guide to Benefits for details.

  • Roadside Dispatch
  • Travel and Emergency Assistance
  • Travel Accident Insurance
  • Lost Luggage Reimbursement
  • Warranty Manager Service
  • Visa Signature Concierge
  • Visa Signature Perks
  • Purchase Security

Visa Business Rewards cards are the perfect small business partner. Earn rewards for your purchases while receiving valuable benefits that help your business grow. View the Visa Business Guide to Benefits for more details. 

  • No Annual Fee
  • 25-day grace period on new purchases
  • Purchase Security and Extended Protection
  • Auto Rental Collision Damage Waiver 
  • Travel and Emergency Assistance
  • Employee cards                
  • Immediate emergency card replacement
  • Visa alerts sent via email, text or both
  • Worldwide acceptance at more than 30 million merchant locations and 1.4 million ATMs.   

Keep more money in your wallet with FREE Balance Transfers.

Transfer your other credit card balances to one of our new Visa credit cards for FREE!* Save time by consolidating your finances into one convenient account and save money with our introductory offer of 2.9% APR* for 6 months*. To see how much you can save, use our financial calculators to compare the rate on your bank or retail credit cards with our card. Simply complete and return this Balance Transfer Form to reduce your expenses today!


CURewards®

Reward yourself for shopping smart with a Keys FCU Visa Signature, Platinum Rewards or Business Rewards card. Every time you make a purchase with a Rewards card, you’ll earn CURewards points for every net dollar in purchases you charge. You can redeem your points anytime for merchandise such as HDTVs, golf clubs, or travel like airline flights, cruise and vacation discounts and even auto rental. Your monthly statement will detail your point activity. Visit curewards.com for complete details.


Design Your Own Card

Create your own Keys FCU Credit Card with a personal photo that makes you smile! Use your own picture or chose from our library of photos. Just login to your account through Online Banking and click the "Credit Cards" tab. 


Tell us about your travel plans. 

If you’re planning to travel outside the keys, please let us know so we can notate your account. We want to make sure you can access your Keys FCU accounts while you’re away.  


If you are traveling within the United States: 
Please contact us at 305-294-6622 or 800-805-7535 with the dates and cities/states you will be visiting.


If you are traveling outside the United States: 
Please complete and return The Notice of International Travel form at least 2 weeks prior to your trip. You may bring it into any branch, email it to info@keysfcu.org  or fax it to 305-293-6051. Please include all the countries you will be visiting; including any countries where you may have a layover in case you need cash or to use your Keys FCU Visa credit card.


To qualify for a Keys Federal Credit Union Visa credit card, you must be or become a Keys Federal Credit Union member. 

*Offer is valid for balance transfers from the date of first transfer. After that a variable rate up to 18% APR will apply, based on your credit score and card selection. Limited to balances transferred from other financial institutions posted to your account within the first six months of card issuance. Any balance transfers posted to your account after the first 6 months will be charged 2% (maximum $75.00, minimum $10.00) of the amount transferred. Offer is not valid on Visa Platinum Secure or Business cards. 

*Restrictions may apply. Offer not available on Visa Platinum Secure or Business cards. Transaction must occur within the first six months of card issuance. Introductory APR ends after 6 months, and balances accrue interest at the APR in effect on your account. Offer is valid for purchases, balance transfers and cash advances from the date of first transaction. Offer can be modified or withdrawn at any time without notice. Please contact us for specific rate information. 

*APR = Annual Percentage Rate. Subject to credit approval. Restrictions may apply. Rates are based on prime and are subject to change without notice.