Credit union · NCUA insured
Keys FCU Savings Rates
Keys FCU’s best savings rate is 0.05% APY on $10,000, with its Keys Savings. Rates checked October 15, 2026.
How Keys FCU’s savings 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
0.05%APY
- Minimum
- —
- Earns on $10,000 a year
- $5
Keys Savings
Top rate
First Horizon Bank
0.25%APY
- Minimum
- $50
- Earns on $10,000 a year
- $25
2nd-highest rate
Monroe County Teachers Federal Credit Union
0.25%APY
- Minimum
- —
- Earns on $10,000 a year
- $25
Keys FCU savings score
61
Savings score
Higher than 3% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.05%
- QualifiedQualified0.05%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Keys Savings
0.05%APY
No monthly maintenance fees. Earns competitive monthly dividends. Open to anyone who lives or works in the Florida Keys, has an immediate family member who does, or is part of the local military community.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.05% | $5 |
Sources (3)
All captured Sep 18, 2026
Special-purpose accounts
Kirby Kids Savings
0.05%APY
For children 12 years and under. Requires an adult (18 years or older) to be joint on the account. Must provide a copy of the child's birth certificate and social security card, or a permission letter from the parent if opening for a grandchild or relative.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Dividends earned on balances over $50. | 1.05% | — | Dividends earned on balances over $50. |
| $1,001 and upDividends earned on balances over $50. | 0.05% | $5 | Dividends earned on balances over $50. |
Money Market Accounts with Super Saver Rewards
0.25%APY
Bonus APY added via Super Saver Rewards: 0.75% APY if (Keys checking account with direct deposit + Debit Mastercard) OR (at least one Keys consumer loan, Visa credit card, mortgage or HELOC); 1.00% APY if both conditions met. Dividends and bonuses compounded daily and credited monthly. Account is also available for Roth or Traditional IRA.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $24,999Fee is $10 per month if balance falls below $2,500. Dividends earned on balances of $2,500 and higher. Super Saver Rewards bonus up to 1.00% APY automatically added to Money Market rate. | 0.25% | $25 | Fee is $10 per month if balance falls below $2,500. Dividends earned on balances of $2,500 and higher. Super Saver Rewards bonus up to 1.00% APY automatically added to Money Market rate. |
| $25,000 – $49,999Fee is $10 per month if balance falls below $2,500. Dividends earned on balances of $2,500 and higher. Super Saver Rewards bonus up to 1.00% APY automatically added to Money Market rate. | 0.25% | — | Fee is $10 per month if balance falls below $2,500. Dividends earned on balances of $2,500 and higher. Super Saver Rewards bonus up to 1.00% APY automatically added to Money Market rate. |
| $50,000 – $99,999Fee is $10 per month if balance falls below $2,500. Dividends earned on balances of $2,500 and higher. Super Saver Rewards bonus up to 1.00% APY automatically added to Money Market rate. | 0.25% | — | Fee is $10 per month if balance falls below $2,500. Dividends earned on balances of $2,500 and higher. Super Saver Rewards bonus up to 1.00% APY automatically added to Money Market rate. |
| $100,000 and upFee is $10 per month if balance falls below $2,500. Dividends earned on balances of $2,500 and higher. Super Saver Rewards bonus up to 1.00% APY automatically added to Money Market rate. | 0.25% | — | Fee is $10 per month if balance falls below $2,500. Dividends earned on balances of $2,500 and higher. Super Saver Rewards bonus up to 1.00% APY automatically added to Money Market rate. |
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.