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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Keys Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 17, 2026
Keys Federal Credit Union's CDs & IRA CDs 60 month rates are at 3.50%, CDs & IRA CDs 48 month rates are at 2.50%, CDs & IRA CDs 36 month rates are at 1.50%, CDs & IRA CDs 24 month rates are at 1.00%, CDs & IRA CDs 12 month rates are at 0.75%. Keys Federal Credit Union's savings rates are at 0.05%. Keys Federal Credit Union's money market rates are at 0.25%. Keys Federal Credit Union's Personal Loan Rates are at 9.90%. MonitorBankRates evaluates the financial stability of Keys Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 11.39%. Rates were last updated on 04/17/2026. Keys Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Keys Federal Credit Union? Share your experience about Keys Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Keys Federal Credit Union. 
Keys Federal Credit Union CD Rates
Keys Federal Credit Union Savings Rates
Keys Federal Credit Union Money Market Rates
Keys Federal Credit Union Checking Rates
Keys Federal Credit Union Auto Loan Rates
Keys Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Keys Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Keys Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Keys Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Keys Federal Credit Union
Website
https://www.keysfcu.org
Address
3022 N Roosevelt Blvd,
Key West, FL 33040
Phone
305-294-6622
Fax
305-809-1215
President
Ronald Demes
CEO
Meagan Sayer
Full-Time Employees
50
Part-Time Employees
7
Branch Locations
6
ATM Locations
6
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (94/100)
Texas Ratio
11.39%
Return on Assets (ROA)
0.3280%
Return on Equity (ROE)
2.9594%
Non-Performing Loans Ratio (NPL)
1.77%
Total Assets
250,029,093
Total Amount of Shares and Deposits
216,194,079
Total Shares and Deposits < 1 Year
185,264,461
Total Shares and Deposits 1 3 Years
16,893,761
Total Shares and Deposits > 3 Years
14,035,856
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
14,544,145
Total Uninsured Shares and Deposits > $250K (F+J)
14,544,145
Total Insured Shares and Deposits > $250K (item 17 less item K)
201,649,934
Total Interest Expense (Sum of items 6 8)
1,567,755
Share Certificates
736
Number of Accounts for Share Drafts
14,065
IRA KEOGH Accounts
355
Number of Accounts for Regular Shares
18,647
Money Market Shares
430
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
15,371,872
Total Liabilities
224,595,094
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Keys Federal Credit UnionIs Keys Federal Credit Union a safe place to deposit money?Yes, Keys Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 11.388981699684%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Keys Federal Credit Union operate?Keys Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Keys Federal Credit Union?Yes, to access services at Keys Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Keys Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Keys Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Keys Federal Credit Union offer online and mobile banking?Most modern institutions like Keys Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.keysfcu.org. Current Keys Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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