Keys Credit Union Big Pine Key FL | Affordable Vehicle Loans & ATM Services

Introduction

Welcome to Keys Credit Union, your trusted financial partner located at 29977 Overseas Hwy, Big Pine Key, FL 33043. Established in 1940, we have proudly served our community for over eight decades, cultivating a strong bond with our members and fostering financial well-being. With a membership base of 18,258, we are dedicated to providing personalized services that cater to the unique needs of each individual. At Keys Credit Union, we believe in making banking accessible and straightforward. Our total assets stand at an impressive $249,937,212, reflecting our commitment to financial stability and growth. We've also facilitated over 17,159 loans and leases, empowering our members to achieve their dreams, whether that's purchasing a new vehicle or securing a home. We invite you to explore the many services we offer: from checking and savings accounts to auto loans and mortgages, all designed with your convenience in mind. Our total deposits amount to $15,754,199, demonstrating the trust our members place in us. Under the leadership of CEO Meagan Sayer and Board President Ronald Demes, we continue to prioritize member satisfaction and community engagement. While you can visit us at our branch for assistance, official correspondence should be directed to our mailing address: 3022 N Roosevelt Blvd, Key West, FL 33040. Should you need any information or wish to speak with us directly, feel free to call us at 305-294-6622. Join us today on this journey toward financial empowerment! Whether you're looking for personal banking solutions or business services, we're here to help you every step of the way. Visit our website at Keys Credit Union for more details or stop by our branch we look forward to serving you!

Branch History & Mission

At Keys Credit Union, known locally as Keys, we take pride in our rich history and unwavering commitment to serving our community. Founded in 1940, our branch has grown alongside the vibrant community of Big Pine Key, FL. From humble beginnings, we have expanded our services to meet the diverse financial needs of over 18,258 members, all while maintaining a strong focus on personal connection and support. Nestled at 29977 Overseas Hwy, Big Pine Key, FL 33043, our location is more than just an address; it's a gathering place for neighbors seeking reliable financial guidance. You can find us conveniently located near local landmarks that reflect the spirit of our community. Our mission is simple yet profound: to empower our members with the financial tools they need to thrive while actively contributing to the well-being of our community. Our journey has been marked by significant milestones, including reaching total assets of $249,937,212, a testament to our growth and stability. We strive to provide exceptional service through various offerings such as personal banking, auto loans, mortgage options, and business services all tailored to fit the unique needs of our members. With operating hours from 9 AM to 4 PM, Monday through Friday, we ensure accessibility for those who need us most. While members can visit us at 29977 Overseas Hwy Big Pine Key Fl 33043, official correspondence should be sent to 3022 N Roosevelt Blvd, Key West, FL 33040 if you wish to reach us by mail. We also offer convenient ATM access and prioritize digital advancements like online banking and mobile payments for ease of use. At the heart of our mission is a commitment not just to finance but also to community support. We engage in partnerships and outreach efforts designed to uplift local initiatives and foster growth within Big Pine Key. By choosing Keys Credit Union, you are not only gaining a trusted financial partner but also becoming part of a larger movement aimed at enriching lives. We invite you to join us at Keys experience firsthand the benefits of being part of a credit union that truly values its members and their communities. Reach out today at (305) 294-6622 or visit our website at https://www.keysfcu.org/ to learn more about how we can serve you!

Branch Location & Accessibility

Connect With Us

Have questions or need assistance? Feel free to give us a call at 305-294-6622. Our team is always happy to help you find the best solutions tailored to your financial needs. Come visit us today and experience the friendly service that makes Keys your trusted partner in finance!

Easy Access and Parking

Our branch offers ample parking to ensure that your visit is hassle-free. We are committed to accessibility and have features in place to assist all members, including ADA-compliant entrances and facilities. Whether you're stopping by for a quick transaction or spending some time with one of our friendly staff members, we aim to provide a welcoming environment for everyone.

Operating Hours and Services

We are here for you Monday through Friday from 9 AM to 4 PM, ready to assist with a variety of services such as personal banking, auto loans, mortgages, credit cards with rewards, and more. If you need cash on the go, we also have an ATM available right outside our branch for your convenience. While members can visit us at 29977 Overseas Hwy, official correspondence should be sent to 3022 N Roosevelt Blvd, Key West, FL 33040.

Member Eligibility

At Keys, we believe that becoming a member is like joining a family that truly cares about your financial well-being. If you're looking to be part of our community, you'll find that eligibility is simple and welcoming. Anyone who lives, works, worships, or attends school in the area around 29977 Overseas Hwy Big Pine Key Fl 33043 can become a member. This means that if you're in our local community, you're already on the path to enjoying the benefits we offer! We pride ourselves on providing personalized service and a variety of financial products designed to help you reach your goals, whether it's saving for a dream vacation or securing a loan for your first car. Joining us is easy! To get started, simply visit our website for more information on how to open an account at http://www.keysfcu.org/estatementenrollment. If you have any questions or need assistance along the way, feel free to reach out to us at (305) 294-6622. For detailed eligibility criteria, check out this resource: http://www.keysfcu.org/membership-benefits. We can't wait to welcome you into our Keys family!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $2 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $1 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $3,116,229, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine being able to accept payments quickly and securely, allowing you to focus on what matters most growing your business. Our merchant services offer straightforward payment processing solutions, so you can provide your customers with an easy checkout experience while managing your cash flow effectively. Located at 29977 Overseas Hwy Big Pine Key Fl 33043 in Big Pine Key, FL, we're here to help local businesses thrive. Connect with us today at (305) 294-6622 to learn more about how our business banking solutions can empower your enterprise!

Comprehensive List Of Services

Connect With Us Today!

If you're ready to explore these services further or have questions about how we can assist you better, don't hesitate to reach out! Call us at 305-294-6622 or visit us at 29977 Overseas Hwy Big Pine Key, FL 33043. Together, let's achieve your financial goals at Keys! For more information on membership benefits and how to open an account, check out our website at Keys FCU.

Convenient Access Anytime

At Keys, convenience is key! With our ATM and cash withdrawal services, members have easy access to their funds whenever needed. Plus, enjoy basic ATM access for withdrawals and balance checks without any hassle.

Personal Banking Made Simple

We understand that managing your finances can be overwhelming at times. That's why we offer personal banking options like checking and savings accounts tailored to fit your lifestyle. Imagine easily accessing your funds through our online and mobile banking platforms, allowing you to check balances, transfer money, and pay bills from anywhere right from the palm of your hand. If you're considering purchasing a new car, our auto loans and vehicle financing options make it straightforward to get behind the wheel without breaking the bank. We provide competitive rates that help you secure the best deal possible. Additionally, if you're looking for a place to call home or want to refinance an existing mortgage, our mortgage loans and refinancing services can guide you through each phase.

Smart Solutions for Your Financial Health

Sometimes life throws unexpected expenses your way. For those moments, our personal loans and debt consolidation options can provide the relief you need. Whether it's medical bills or home repairs, we're here with flexible solutions that work for you. Don't forget about building your credit! Our credit cards with rewards not only help you manage daily expenses but also offer points or cash back on purchases turning your spending into savings!

Supporting Local Businesses

For entrepreneurs in our community, we have dedicated services under business banking that include merchant services and business loans. We believe in supporting local businesses because they are vital to our economy. Our team understands the unique challenges small businesses face and is ready to assist with tailored solutions.

Digital & Online Banking

Key Services

With our online banking platform available at https://www.keysfcu.org/, you can access your accounts anytime, anywhere. Check balances, pay bills, and transfer funds with just a few clicks. Plus, our 24/7 online banking services mean you can manage your money whenever it suits you best. For those who prefer using their mobile devices, our user-friendly mobile application allows you to perform all the essential banking tasks right from your smartphone. You can even make mobile payments easily, so you're always ready to shop without fumbling for cash or cards.

Security and Accessibility

Security is a top priority at Keys. We offer electronic signature authorization, ensuring that your transactions are protected and secure. You can also sign up for e-statements to keep track of your account activity safely and conveniently without the clutter of paper statements. Need to send money quickly? Our person-to-person transfer feature makes it simple to send funds to friends or family in real-time. It's just one more way we strive to put the power of banking in your hands. In short, whether you're using a computer or a mobile device, our digital banking services provide everything you need for easy account management while keeping security front and center. Embrace the convenience of modern banking with Keys!

Financial Strength

A Growing Community

Total Share Accounts stand at 34,115, showcasing a strong and growing member base that trusts us with their finances. This trust empowers us to keep delivering the best possible service tailored to your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Keys is your trusted partner. Visit us at 29977 Overseas Hwy Big Pine Key Fl 33043 or call (305) 294-6622 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Solutions

We prioritize our members' needs above all else. Members' savings are secured through $40,813,874 in share certificates and $25,491,927 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we focus our resources on benefiting you ensuring better loan rates, lower fees, and exclusive perks with no non-member deposits.

Operational Efficiency

Our operations have led to a net income of $14,418, reflecting our efficiency and dedication to providing competitive products for our members. We also take pride in having 50 full-time employees and 9 part-time employees who are always ready to serve you with a knowledgeable, committed team.

Our Financial Health

With a net worth of $27,190,739, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 10.82% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Strong Earnings for Future Growth

Our commitment to serving you is backed by $21,759,408 in undivided earnings, which allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures. With $4,104 in used auto loans and $176,333,420 in total loans and leases, our lending capacity supports your financial goals across various sectors.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $35,712,567 in used vehicle loans and $24,813,083 in new vehicle loans already helping members get on the road. We also provide flexible refinancing options for existing auto loans, making it easier for you to save money on your monthly payments.

Business Financing

For business owners, our outstanding commercial loans totaling $3,116,229 provide the capital needed to grow and expand. We understand how important it is for businesses to have access to funds when they need them most. At Keys, we pride ourselves on providing personalized service and competitive rates. If you have any questions about eligibility or want to explore your options further, don't hesitate to give us a call at (305) 294-6622. Our team is here to assist you every step of the way. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Visit us today at our branch located at 29977 Overseas Hwy Big Pine Key Fl 33043 in Big Pine Key, FL, and let us help you take the next step toward your financial future!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $8,980,133, make buying or refinancing simple. We are here to guide you through the process and ensure you find the best solution tailored to your needs.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $9,763,616 in loans helping members manage their finances effectively. Whether you're looking to consolidate debt or make a big purchase, our credit card options can provide the support you need.

Loan Aggregator

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Real-Time Rate Comparisons

With LendMesh, you get access to real-time rate comparisons from multiple institutions. This feature helps users make quick and informed decisions about which loans might suit them best. By presenting current rates side-by-side, LendMesh empowers you to find the most competitive offers effortlessly. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial reflects the positive experiences many have had while using this comparison tool. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

Verified Data

Every loan offer displayed on LendMesh comes from legitimate financial institutions. This focus on verified data not only enhances transparency but also instills confidence in users seeking reliable loan options. You can trust that the rates you see are genuine and up-to-date.

KEYS FEDERAL CREDIT UNION - Big Pine Key, FL

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