
Everyone who lives or works in the Florida Keys, has an immediate family member who lives or works in the Florida Keys, or is part of our local military community, CAN JOIN! Once you are a member, you can remain a member for life, regardless of whether you still live or work in the Keys. Join today and reap the benefits of membership for a lifetime!
You can open your membership at one of our convenient branches in Key West, Stock Island, Big Pine, Marathon, or Tavernier. Download or view our new member eligibility and ID verification check list for what to bring to a branch to open a personal or business account.
You can open your membership at one of our convenient branches in Key West, Stock Island, Big Pine, Marathon, or Tavernier. Download or view our new member eligibility and ID verification check list for what to bring to a branch to open a personal or business account.
Services
A Keys Totally FREE CASH BACK Checking account is your best choice for free and convenient banking. You can start earning CASH BACK Rewards immediately when you take your Keys Debit MasterCard home from account opening. Plus, you'll save even more time and money with free and convenient services like mobile banking, notary service, and electronic funds transfers to people and other banks, included with your account!
Earn CASH for you and your school with a Canes, Conch or Dolphin Pride FREE CASH BACK Checking account! Keys FCU's School Pride Accounts are perfect for students (14 and older), parents, teachers, alumni and staff who want to show their school spirit!
No matter where life takes you, enjoy worldwide access to your account with Mobile Banking and Mobile Check Deposit, no minimum balance or maintenance fees, contactless payments in your mobile wallet, and real-time transactions.Best of all, you'll start earning CASH BACK Rewards for you and your high school with your Canes, Conch, or Dolphin Pride Debit MasterCard the day you open your account.
No matter where life takes you, enjoy worldwide access to your account with Mobile Banking and Mobile Check Deposit, no minimum balance or maintenance fees, contactless payments in your mobile wallet, and real-time transactions.Best of all, you'll start earning CASH BACK Rewards for you and your high school with your Canes, Conch, or Dolphin Pride Debit MasterCard the day you open your account.
No monthly maintenance fee if perform at least 15 debit card purchases, and have eStatements and eReceipts. Keys Card Manager: A FREE mobile app that lets you manage your Keys debit and credit cards from your smart phone. Keys EZPay: transfer funds to and from other accounts, people and financial institutions online.
A Keys Money Market account has many of the same awesome services included with a Keys Totally FREE CASH BACK Checking Account but with a limited number of monthly withdrawals and the ability to earn dividends and Super Saver Rewards! Link your Keys Debit MasterCard from your checking account to your Money Market Account for FREE ATM use at all Keys Federal Credit Union ATMs and more than 1,000 Presto!
Personal loans work for everything; debt consolidation, boat engines, vacations, weddings, home improvements and more. Our local lending team will work quickly to create an affordable financial solution for whatever you need! A Share Secured Loan is a loan borrowed from funds you have on deposit at the credit union.
Reviews (11)
Victoria Pratt
Jan 20, 2022
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As a credit union member and employee in Ohio. I was very surprised to walk in your branch and not one person looked up or acknowledged us.
We were there to ask about shared branching.
Acknowledging the member coming In makes them feel welcome and it also is a safety factor for the employees.
Good luck and continue safety.
We were there to ask about shared branching.
Acknowledging the member coming In makes them feel welcome and it also is a safety factor for the employees.
Good luck and continue safety.
Lawrence Apfel
Jan 10, 2022
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Poor to non-existent integration with online money apps. Fees for transfers to other banks. I’ve interacted with one friendly teller. The rest, not so much. Secure communication channel is tedious at best.
Bottom line, Have had vastly better experience with my former credit union in California.
01/10/2022: In response to KFCU; BS. Integration does NOT work with the aforementioned apps. I’ve tried and have been told by a branch manager that they will not work. I have to indeed sent ACH transfer to my daughter’s account in Mexico and been charged a fee. My other bank charges no such fee.
Bottom line, Have had vastly better experience with my former credit union in California.
01/10/2022: In response to KFCU; BS. Integration does NOT work with the aforementioned apps. I’ve tried and have been told by a branch manager that they will not work. I have to indeed sent ACH transfer to my daughter’s account in Mexico and been charged a fee. My other bank charges no such fee.
Kenneth Klauss
Jan 02, 2022
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Jay Landau
Dec 25, 2021
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I spoke with a woman from the Key West (Key Plaza) branch call center. She had called me back quickly after I was on hold for a few minutes. She was very professional and it was a pleasure speaking with her. She answered all my questions. I'm sorry I didn't get her name, so please give ALL the call center women a gold star. I can't wait to transfer banks !!
Lisa Lewis
Dec 24, 2021
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Ricardo Rivera
Nov 13, 2021
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Denise Garritano
Nov 02, 2021
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We really appreciate KFCU, and definitely love their location on Stock Island.It means a lot to walk into a financial institution and the staff actually knows you and is happy that you're there! We recently worked with Rubi on a new car loan and not only was she efficient and knowledgeable, everything happened as she said it would, and in record time! Great Job KFCU! We DO appreciate you!
Capt R. D. LeClaire
Oct 31, 2021
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This Bank has gone way downhill now! The bill pay system they are using out of AZ. is the worst possible thing going today!! Very poor System for paying and Banking .🇺🇸 Would like to use another Bank soon!!! My wife does not want to have to change her payroll direct deposit from her job,so will be staying for a short while…. 🙁
Rebecca Corley
May 30, 2021
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Worst bank-credit union ever. When we opened the account woman on Stock Island kept telling us she really didn’t have enough time. We left and opened at Key Plaza. Several times when I have gone to deposit a check the tellers have been talking and ignoring customers. Horrid service.
Most recently would not let me deposit a check since it had our business name on it. We don’t even have a separate business account and have to have the sender of the check issue a new one which is ridiculous. We are talking about depositing a check not cashing it. We have never had that problem before. Manager
Most recently would not let me deposit a check since it had our business name on it. We don’t even have a separate business account and have to have the sender of the check issue a new one which is ridiculous. We are talking about depositing a check not cashing it. We have never had that problem before. Manager
Michael Haggerty
Apr 22, 2021
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Horrible services all around caught the credit union adding extra charges to my truck loan. Over a period of a year. They then wouldn't issue me my statement to show the deception by the credit union. This is a corrupt organization beyond anything that I can explain. Found my payment not reducing my loan as it should. My sister who is a loan officer and president of a bank told me to remove my money and get refinancing and never use this corrupt organization again...
David C.
Jun 12, 2019
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Went in to start an account. Told the rep that I wanted to buy a couple of jetskis and to establish credit with the Credit Union. Ran my credit (which is Gold) only to find out after the credit check that the credit union doesn't finance jetskis. She should have told me before the credit check and before I wasted my time that they don't do jetskis. Ended up paying cash and my credit dropped 9 points due to the unnecessary credit check,