Member Rewards


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!

Completed Member Rewards Promotions

In recent years we have given away free car payments for a year, a free scooter, free gas for a year, plus thousands of dollars in cash and gift cards to our members through events and chance drawings.