Credit union · NCUA insured
Keys FCU Credit Card Rates
Keys FCU doesn’t publish an ongoing APR for its credit cards, only a 6-month introductory rate. Rates checked October 15, 2026.
How Keys FCU’s credit card rates compare
Compared with banks and credit unions near Key West, FL, where Keys FCU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Keys FCU
– –
- Annual fee
- —
No ongoing APR published
Lowest rate
Truist Bank
13.99%APR
- Annual fee
- $450
2nd-lowest rate
Southernmost FCU
15.90%APR
- Annual fee
- $12
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Visa Platinum
Open to members living or working in the Florida Keys (ITIN accepted). Credit limits from $1,000 to $50,000. $0 annual fee and $0 balance transfer fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 2.90% | None | Introductory purchases offer: 2.9% APR for the first 6 months. Transaction must occur within the first 6 months of card issuance. Introductory APR ends after 6 months and balances accrue interest at the APR in effect on your account. |
No ongoing APR is published for this card, only the rate above.
Sources (2)
All captured Oct 15, 2026
Visa Signature Rewards
Open to members living or working in the Florida Keys (ITIN accepted). Credit limits from $5,000 to $50,000. $0 annual fee and $0 balance transfer fee. Includes CU Rewards program earning 1 point per dollar spent.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 2.90% | None | Introductory purchases offer: 2.9% APR for the first 6 months. Transaction must occur within the first 6 months of card issuance. Introductory APR ends after 6 months and balances accrue interest at the APR in effect on your account. |
No ongoing APR is published for this card, only the rate above.
Sources (2)
All captured Oct 15, 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This may be incomplete or out of date, so check with the credit union before you apply.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.