Loan Rates

Why Finance with Keys FCU?

In addition to consistently having the best rates in the Keys for Personal, Auto, Boat, Motorcycle and RV Loans, Keys FCU also has:

  • Low payments

  • Low or no down payment requirement

  • Financing up to 120% of value

  • Payment plans up to 120 months

  • No pre-payment penalties

  • Fast, personalized service

  • Local decisions, by local people

Shopping out of Town?

Keys FCU works with most local and out of town dealers. Take a letter of preapproval with you or ask for us at the dealership.

Already Purchased?

Refinancing your high rate loan from another lender may lower your payments and save you money. For more information on refinancing your loans or credit cards call 305-294-6622 or click below.


Updated 01/09/19

Loan Rates As Low As*
New Vehicles (2017 or newer) 1.99% APR*
Used Vehicles (2017 or newer) 1.99% APR*
Used Vehicles (2012 - 2016) 5.45% APR*
Boats, Motorcycles and Recreational Vehicles  5.50% APR*
Signature Loans 7.90% APR*
Credit Builder Loans 3.00% APR* above share rate

*APR = Annual Percentage Rate. Rate based on creditworthiness and term of loan.