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 78 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.

 

Leadership


 

Board of Directors

Keys Federal Credit Union’s Board of Directors are volunteers who are elected by our members and serve on a voluntary basis. On behalf of members they:

  • Set policy

  • Approve budgets

  • Determine strategy

  • Ensure sound financial position

Ron Demes

Ron Demes, Chairman

Ron Demes has been a member of Keys Federal Credit Union since 1983. He became the Chairman of our Board in 2014 to ensure Keys FCU provides excellent service to the Keys Community. Mr. Demes is the Site Manager, Naval Air Warfare Center Aircraft Division, Atlantic Targets and Marine Operations Key West. He is Past President/Chairman of the South Florida Federal Executive Board (2 terms), Key West Military Affairs Committee (2 terms), Leadership Monroe County, Navy League Key West Council, Sunrise Rotary Club, Propeller Club of the United States Port of Key West (3 terms), and Society of American Military Engineers Key West Chapter. He also served as Naval Air Station Key West Credit Union/Bank Liaison Officer. Ron holds an Associate of Science Degree in Mechanical Engineering from Pennsylvania State University and a Bachelor of Science Degree in Civil Engineering.


Greg Sullivan

Greg Sullivan, Vice Chairman

Greg Sullivan has been a member of Keys Federal Credit Union since 1996. He joined our Board of Directors and became Vice-Chairman in 2014 to serve the members of the credit union and the community at large. Mr. Sullivan is the Senior District Manager, Waste Management Monroe County and Key West. He is Past President and Member of the Key West Chamber of Commerce (2 terms), Key West Sunrise Rotary Club, Key West Military Affairs Committee, Board Member of the Mel Fisher Maritime Heritage Society and Past Board Member of the Boys and Girls Club. Greg is a New York State Fire Fighters graduate of the Suffolk County Community College and holds a Florida Department of Environmental Protection HHW Certification.


Jonathan Crane

Jonathan Crane, Treasurer

Jonathan Crane has been a member of Keys Federal Credit Union since 1996. He joined our Board of Directors and became Treasurer in 2014 to serve our members and the Keys community. Mr. Crane is the Operations Captain for the Monroe County Sheriff ‘s Department. He is on the Board of Directors for Leadership Monroe County, Crime Stoppers, and is a former Board Member of the Veteran of Foreign Wars Post 3911. He also volunteers for Relay for Life, Wounded Warriors Soldier Ride, Wesley House, MARC House and is a mentor for Take Stock in Children. Jonathan is an Army Veteran, holds a Bachelor of Science Degree in Criminal Justice from Saint Leo University, a Master of Science Degree in Executive Management from Hodges University and is a graduate of The Southern Police Command Institute from the University of Louisville.


Claude Gardner

Claude Gardner

Claude Gardner has been a member of Keys Federal Credit Union since 2006. He joined our Board of Directors and became Secretary in 2017 to serve the Florida Keys community. Mr. Gardner is the Co-Founder and Partner of Berkshire Hathaway Knight, Gardner Realty and the President of the Edward B. and Joan T. Knight Foundation, Inc. He served on the Board of Directors for the Key West Chamber of Commerce, Wesley House Family Services, Key West Association of Realtors and WomanKind. Claude holds a Bachelor of Science Degree in Business Administration from St. Leo University.


Kristen Livengood

Kristen Livengood, Secretary

Kristen Livengood has been a member of Keys Federal Credit Union since 2008. She became a member of our Board of Directors in 2018 to represent the Middle Keys community of the Florida Keys. Ms. Livengood is the Public Information Officer for Monroe County and does bookkeeping for several nonprofits in the Marathon area. She is a Board Member of the Lower Keys Chamber of Commerce, Associate Board Member of Wesley House Family Services, Ambassador for the Marathon Chamber of Commerce and a Mentor with Take Stock in Children. Kristen is a Graduate of Leadership Monroe County’s Class 25 and holds a Bachelor of Science Degree in Mass Communication from the University of South Florida.


Supervisory Committee

The Supervisory Committee is a committee of members appointed by the credit union’s Board of Directors. They serve on a voluntary basis to ensure that the credit union is complying with established policies and that the Board is protecting Keys Federal Credit Union’s assets.

Denise Rohrer

Denise Rohrer, Secretary

Denise Rohrer has been a member of Keys Federal Credit Union since 2006. She became the Chairwoman of our Supervisory Committee in 2014 to offer her accounting and auditing experience to the Keys FCU community. Mrs. Rohrer is a Past President and current Member of the Key West Sunset Rotary Club, a Past President and current Member of the Florida Institute of Certified Public Accountants, a Board Member for the Salvation Army, a Mentor with Take Stock in Children and a Member of the American Institute of Certified Public Accountants. Denise holds a Bachelor of Science Degree in Business from Tampa College and a Bachelor of Science Degree in Accounting.


Carrie Helliesen

Carrie Helliesen, Chairman

Carrie Helliesen has been a member of Keys Federal Credit Union since 1983. She became a member of our Supervisory Committee in 2014 because she enjoys Keys FCU’s community connection and cares about the credit union's members. Mrs. Helliesen is the Director of MORE Literacy Program for Keys to Be the Change and is the former Executive Director of the American Cancer Society of the Florida Keys. She is a former Member and Board Member of the Key West Sunrise Rotary Club, the Zonta Club of Key West and is a Member of the National Retired Teachers Association. Carrie is a graduate of Leadership Monroe County’s Class 11 and holds a Bachelor of Science Degree in Education from the University of Georgia and a Master of Education Degree from Southeastern Louisiana University.


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Denise Bays

Denise Bays has been a member of Keys Federal Credit Union since 2018. She became a member of our Supervisory Committee in 2018 to use her accounting experience to ensure Keys FCU remains a sound financial institution. Ms. Bays is the owner and operator of Patience Accounting and Tax Services. She is Past Treasurer, Secretary and current Member of the Big Pine & Lower Keys Rotary Club, Member of the Board of Directors of the Lower Keys Chamber of Commerce and Jose Wejebe Spanish Fly Memorial Foundation and a Member of the National Association of Tax Professionals. Denise holds a Bachelor of Science Degree in Education from Keene State College. She became an Enrolled Agent to practice before the Internal Revenue Service in 2000.