Credit union · NCUA insured
Keys FCU CD Rates
Keys FCU’s best CD rate is 3.50% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How Keys FCU’s CD rates compare
Compared with banks and credit unions near Key West, FL, where Keys FCU has the most branches. $10,000, best rate first.
This credit union’s best
Keys FCU
3.50%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,877
Share Certificates
Top rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
2nd-highest rate
Monroe County Teachers Federal Credit Union
4.00%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000
- $2,167
Keys FCU CD score
66
CD score
Higher than 17% of U.S. banks and credit unions
- 3–8 months3–8 mo0.60%
- 9–15 months9–15 mo0.75%
- 16–30 months16–30 mo1.00%
- 31–60 months31–60 mo3.50%
- QualifiedQualified3.50%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Keys FCU ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 3.50%APY · 6 terms
Must live or work in Key West or meet credit union membership eligibility requirements.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.60% | $30 |
| 12 months | 0.75% | $75 |
| 24 months | 1.00% | $201 |
| 36 months | 1.50% | $457 |
| 48 months | 2.50% | $1,038 |
| 60 months | 3.50% | $1,877 |
Sources (3)
All captured Sep 18, 2026
Special-purpose accounts
IRA Certificates
Up to 3.50%APY · 6 terms
Must live or work in Key West or meet credit union membership eligibility requirements.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.60% | $30 |
| 12 months | 0.75% | $75 |
| 24 months | 1.00% | $201 |
| 36 months | 1.50% | $457 |
| 48 months | 2.50% | $1,038 |
| 60 months | 3.50% | $1,877 |
Sources (1)
- keysfcu.org/deposit-rates · captured Sep 18, 2026
Who can join Keys FCU
This may be incomplete or out of date, so check with the credit union before you apply.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.
Membership information collected October 5, 2026.