Member Rewards Program


Own your Money:

We are a not-for-profit financial cooperative where you’re more than a member, you’re an owner. That means you own a piece of the credit union. Profits are returned to you through better rates, personal service, low or no cost services and member discounts.

Services that Benefit You:

At most banks, transactions completed after 2 p.m. are not credited to your account until the next business day. We process transactions on the same day; with no 2:00 p.m. cut-off time so you can access your funds faster. Keys Federal Credit Union looks at you, not just your history. Our local lending team uses their knowledge of the Keys economy and workforce to make fast loan decisions with flexible repayment options. We offer a variety of loan options such as auto, boat and recreational vehicles; secured, signature and personal loans. Whether you need a little or a lot, we have a loan for you!

What we Make in the Keys Stays with You:

While we are not mandated to do good works as banks are, Keys Federal Credit Union supports a variety of service organizations throughout Monroe County simply because we care about our community. We strive to strengthen our connection with you and improve the quality of life for our neighbors in need of financial services.

Reward Yourself:

Loyalty counts! We want to be your primary financial institution. We automatically enroll every member in our accelerating Member Rewards Program. The more you use our services, the more rewards you can receive.

Green for Everyone:

Keys Federal Credit Union saves trees and money with online banking, electronic statements, paperless deposits and withdrawals. We do not require deposit or transaction slips.

Your Family is our Family:

We appreciate your referrals! Get a free gift when your friend or family member applies for a loan or opens a Keys Totally Free Checking Account.

Free Services for You:

As a member-owned, not-for-profit financial institution, our profits are returned to You in the form of Free and low cost services and benefits. While banks exist to make money for their stockholders, we exist to serve You! We hope you enjoy these Free services:

  • Free Mobile Banking
  • Free Mobile Deposit
  • Free Notary Service
  • Free eStatements
  • Free E-Alerts
  • Free Financial Education Programs and Resources
  • Free Online Bill Payment with Keys Bill Pay
  • Free access to online check images
  • Free VISA Check Card
  • Free access to all Keys FCU ATMs and over 1,000 Presto! ATMs at all Publix Super Markets
  • Free Online and Telephone banking
  • Free Member REWARDS Program
  • Free gift with new membership
  • Free Member Appreciation Events (Dates & Events Vary)

Completed Member Rewards Promotions:

  • Free car payments for a year campaign
  • Free scooter give-a-way
  • Free gas for a year campaign
  • Free Online Bill Pay Promotion: win up to $10,000 for using Keys Bill Pay
  • Free Holiday Gifts: win a $500 Publix Super Market gift card grand prize and $25 Publix Super Market gift card weekly prizes

 2018 Rewards