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Keys Federal Credit Union

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Keys Federal Credit Union Rates & Review September 2026

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

Keys Federal Credit Union's Personal Loan Rates are as low as 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 5.67%. Rates last updated and verified on 09/23/2026.

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.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.67%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

Keys Federal Credit Union
Southard Street

514 Southard St
Key West, FL 33040

https://www.keysfcu.org

Keys Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New & Used Vehicle Loans	-	-	3.25%	84 months
Details Rates as low as 3.25% APR; Finance up to 125% MSRP (new vehicles) or NADA (used vehicles); No prepayment penalties; Refinance existing Auto Loans for cash out or lower payments; Take a pre-approved loan to the dealer when you shop; Keys FCU is an ITIN-approved lender! Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.67%
New Vehicles (2024 or newer) Loan	-	-	3.25%
Details As Low As* Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.67%
Used Vehicles (2024 or newer) Loan	-	-	3.25%
Details As Low As* Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.67%
Used Vehicles (2019 - 2023) Loan	-	-	5.75%
Details As Low As* Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.67%

Keys Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term	View More
Boats, Motorcycles, Jet Skis, Golf Carts and Recreational Vehicles Loan	-	6.25%
Details As Low As* Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.67%

Keys Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal/Signature Loans	9.90%
Details As Low As* Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.67%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Keys Federal Credit Union’s Texas Ratio rose from 4.76% in Q2 2023 to 5.67% in Q1 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$258M	5.67%	5.0	A+
December 31, 2025	$250M	9.18%	5.0	A
September 30, 2025	$250M	10.34%	5.0	A
June 30, 2025	$257M	5.39%	5.0	A+
March 31, 2025	$264M	4.23%	5.0	A+
December 31, 2024	$249M	11.86%	5.0	A
September 30, 2024	$250M	4.89%	5.0	A+
June 30, 2024	$257M	4.38%	5.0	A+
March 31, 2024	$263M	3.94%	5.0	A+
December 31, 2023	$254M	4.64%	5.0	A+
September 30, 2023	$257M	5.02%	5.0	A+
June 30, 2023	$270M	4.76%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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 514 Southard St, Key West, FL 33040

Phone 305-294-6622

Fax 305-809-1215

President Ronald Demes

CEO Meagan Sayer

Full-Time Employees 49

Part-Time Employees 6

Branch Locations 6

ATM Locations 6

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.67%

Return on Assets (ROA)

0.0056%

Return on Equity (ROE)

0.0512%

Non-Performing Loans Ratio (NPL)

0.99%

Total Assets

257,939,828

Total Amount of Shares and Deposits

223,797,812

Total Shares and Deposits < 1 Year

192,846,832

Total Shares and Deposits 1 3 Years

19,414,197

Total Shares and Deposits > 3 Years

11,536,783

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

17,547,561

Total Uninsured Shares and Deposits > $250K (F+J)

17,547,561

Total Insured Shares and Deposits > $250K (item 17 less item K)

206,250,251

Total Interest Expense (Sum of items 6 8)

509,322

Share Certificates

721

Number of Accounts for Share Drafts

14,047

IRA KEOGH Accounts

341

Number of Accounts for Regular Shares

18,465

Money Market Shares

416

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

29,811,917

Total Liabilities

231,820,667

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Keys Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Keys Federal Credit Union

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.