Credit union · NCUA insured
Keys FCU
A $257.9M credit union headquartered in Key West, FL, with 18,108 members and 6 branches in Florida. Best rates: CDs 3.50% and savings 0.05% APY.
Keys FCU Carrot Score
79
Carrot Score
Higher than 49% of U.S. banks and credit unions
#1 of 7 in Key West, FL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Keys FCU
Founded in 1940 and headquartered in Key West, Florida, Keys Federal Credit Union is a not-for-profit financial institution with a local volunteer board of directors operating six branches.
Originally established by civil service workers as NavSta Federal Employees Federal Credit Union, it became Navy KWest Federal Credit Union in 1960 and adopted its current name in 1993.
Membership is open to individuals who live or work in the Florida Keys, local military members, and their immediate family members.
- Headquarters
- 3022 N Roosevelt Blvd, Key West, FL 33040
- NCUA charter
- 4135
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives or works in the Florida Keys.
Employers and groups
- Membership is open to Florida Keys businesses and non-profit organizations.
Military, government and schools
- Membership is open to members of the local military community.
Family and household
- Membership is open to individuals with an immediate family member who lives or works in the Florida Keys.
Cost to join
- A $5.00 fee is required to join.
Branches
6 branches in Florida
Loading map…
Florida
6 branches
- Key PlazaMain office3022 N Roosevelt Blvd, Key West, FL 33040Directions
- Big Pine29977 Overseas Hwy, Big Pine Key, FL 33043Directions
- Southard Street514 Southard St, Key West, FL 33040Directions
- Stock Island5402 Overseas Hwy, Key West, FL 33040Directions
- Marathon in town5050 Overseas Hwy, Marathon, FL 33050Directions
- Tavernier91200 Overseas Hwy Ste 15, Tavernier, FL 33070Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.98% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.88% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.28% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $81 | $76 | — |
- CapitalNet worth ratio10.98%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.88%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.28%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$81Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Keys FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.