Reasons To Join


You’re an Owner!

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 rewards.

We’re Neighbors!

We’ve been serving the Keys for over 78 years. And, like you, we live and work in the Florida Keys. We make decisions locally, right here at home. As a community credit union, we can take the time to get to know you and truly provide personal service. Our member-owners are our friends, neighbors and even family. We understand the Keys uniqueness, traditions and economy. Count on our local knowledge and experience to make decisions that benefit you and our community. 

We're Local!

Keys FCU membership is open to everyone who lives or works in the Florida Keys, their families and our local military community. 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.

You’re Insured!

We follow conservative investment practices, lend responsibly and operate within our financial means. Your funds are federally insured by the NCUA up to at least $250,000 for individual accounts including savings, checking, money market and share certificates.

We Exist to Serve 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 as a person, 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. Whether you need a little or a lot, we have a loan for you!

Download The Credit Union Difference to learn more about the value of your credit union membership.