Keys Credit Union Key West FL | Affordable Auto Loans & ATM Access

Introduction

Welcome to Keys Credit Union, your trusted financial partner in the heart of Key West, Florida! Established in 1940, we have proudly served our community for over 80 years. Located at 514 Southard St, Key West, FL 33040, our branch is dedicated to providing personalized banking services that cater to the unique needs of our members. With a robust membership base of 18,258 and total assets amounting to an impressive $249,937,212, we are committed to enhancing your financial well-being. At Keys Credit Union, we understand that every member has different goals and dreams. That's why we offer a range of services including checking and savings accounts, auto loans, mortgage options, and business banking solutions. Our total loans outstanding amount to 17,159, demonstrating our commitment to helping you achieve your financial aspirations. While members can visit us at our branch address, official correspondence should be sent to 3022 N Roosevelt Blvd, Key West, FL 33040. As a member-focused organization, we pride ourselves on transparency and community impact our net worth stands at $27,190,739, ensuring stability and growth for all our members. Under the leadership of our CEO, Meagan Sayer, and Board President, Ronald Demes, our team of 59 employees is here to support you with friendly service and expert advice. Whether you're looking for personal loans or business financing options with a net member business loan balance of $4,052,798, we've got you covered. We invite you to explore more about what Keys Credit Union has to offer by visiting our website at keysfcu.org or giving us a call at 305-294-6622. Join us today and experience the difference that comes with being part of a credit union that truly cares!

Branch History & Mission

Join Us

As you explore your financial options, consider joining Keys Credit Union. Experience the benefits of being part of a community-focused institution that prioritizes your needs. Whether you're looking for assistance with savings accounts or planning for future investments, we're here for you every step of the way. If you're ready to take the next step towards securing your financial future with us, call us today at 305-294-6622 or visit our website at www.keysfcu.org. Let's work together to achieve your dreams!

Our Mission

At Keys Credit Union, our mission is clear: to support our members in achieving their financial goals while fostering a strong sense of community. We are committed to providing a welcoming environment where everyone feels valued and heard. Our team is dedicated to delivering outstanding customer service, focusing on understanding each member's unique situation and providing tailored solutions. While you can visit us at 514 Southard St, official correspondence should be sent to our mailing address at 3022 N Roosevelt Blvd, Key West, FL 33040. This ensures that all communication is handled efficiently. We understand that the world is changing rapidly. That's why we have embraced digital advancements such as online and mobile banking, allowing you to manage your finances anytime, anywhere. Additionally, we ensure ADA compliance so that all members can access our services without barriers. Our commitment extends beyond financial services; we're deeply invested in community outreach efforts. We partner with local organizations to support initiatives that uplift those around us, showing that together we can build a stronger Key West.

Branch Location & Accessibility

Call to Action

We invite you to come by and see what makes Keys Credit Union special! Feel free to call us at 305-294-6622 if you have any questions or need assistance before your visit. We look forward to welcoming you into our community!

Operating Hours and Services

Our lobby hours are designed with your busy schedule in mind open Monday through Friday from 9:00 AM to 5:00 PM. Whether you're looking to open a new account or need assistance with existing services like personal loans or credit cards, our friendly staff is ready to help. Additionally, we offer ATM services for quick cash withdrawals and balance checks right at your convenience. While we don't have drive-thru banking at this location, our team is dedicated to providing you with quick and efficient service inside the branch.

Parking and Accessibility

We understand how important accessibility is. Our branch offers convenient parking options so you can easily visit us without any hassle. The building is ADA compliant, featuring ramps and accessible entryways for those who need them.

Member Eligibility

Becoming a member of Keys means joining a warm and welcoming community that genuinely cares about your financial well-being. If you're wondering how to become part of our family, it's quite simple! We proudly serve individuals who live, work, or worship in the beautiful Florida Keys area, along with their immediate family members. This means that whether you're a long-time resident or new to our vibrant community, you're likely eligible to join us. The advantages are plentiful: as a member, you'll enjoy personalized service and access to competitive rates on loans and savings accounts designed just for you. To get started, check out the detailed eligibility criteria at http://www.keysfcu.org/membership-benefits, where you'll find all the specifics you need. When you're ready to open an account, visit us at our branch located at 514 Southard St Key West Fl 33040, or feel free to give us a call at (305) 294-6622 for any questions. Joining Keys is just a step away let's make your financial journey a great one together!

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 having a reliable partner that offers solutions to streamline your payment processes. Our merchant services help you accept payments easily, whether it's in-store or online, allowing you to focus on what you do best running your business. From card processing to point-of-sale systems, we provide tools that adapt to your needs. Located at 514 Southard St Key West Fl 33040 in Key West, FL, our team is ready to discuss how we can support your business goals. Reach us at (305) 294-6622 during lobby hours, Monday through Friday from 9:00 AM to 5:00 PM. Let's work together to elevate your business!

Comprehensive List Of Services

Business Banking Services

For our entrepreneurial members, Keys offers comprehensive business banking solutions. From merchant services that help streamline transactions to business loans that fuel growth, we understand the unique challenges small businesses face and are committed to helping them thrive.

Convenient Access to Your Finances

We know convenience is key in today's fast-paced world. That's why we provide ATM services for easy cash withdrawals and balance checks whenever you need it. Plus, with our online and mobile banking features, managing your finances has never been easier whether you're at home or on the go. At Keys, we believe in creating an environment where financial health is within reach for everyone. If you're ready to explore how we can assist with your financial journey, don't hesitate to give us a call at (305) 294-6622 or visit us online at our website. We look forward to serving you!

Loans and Credit Solutions

Life can throw unexpected expenses your way, but with personal loans and debt consolidation options from Keys, you'll have peace of mind knowing you can handle those challenges. Our credit cards with rewards let you earn while you spend, making every purchase more rewarding.

Personal Banking Options

Managing your money should be simple and accessible. That's why at Keys, we offer various personal banking services including checking and savings accounts designed to fit your lifestyle. Imagine having a reliable account that lets you manage everyday expenses while also helping you save for that dream vacation or new car. With our user-friendly online and mobile banking platforms, checking your balance or transferring funds is just a click away. When it comes to financing, our auto loans and vehicle financing options ensure that you can get behind the wheel without breaking the bank. Picture driving off in a new car with competitive rates that fit your budget perfectly! If you're considering buying a home or refinancing an existing mortgage, our mortgage loans provide flexible terms tailored to your needs.

Digital & Online Banking

Key Features

Imagine checking your balance, paying bills, or transferring money from the comfort of your home or on the go. Our 24/7 online banking services ensure that you can handle your banking needs whenever it suits you. Plus, with our mobile application, you can carry your bank in your pocket, making it easier than ever to stay on top of your finances. Need to send money to a friend? Our person-to-person transfers feature allows for quick and easy transactions right from your mobile device. And if you're looking to keep track of your spending, our e-statements provide a safe and eco-friendly way to view your account statements without cluttering your mailbox.

Security and Convenience

We prioritize your security with features like electronic signature authorization, which lets you sign documents securely online. This means no more waiting for papers in the mail or making special trips to the branch. Additionally, if you're someone who enjoys using mobile payment options, you'll appreciate our mobile payments feature. It's a fast and secure way to pay for everyday purchases directly from your smartphone. At Keys, we are committed to making banking accessible and user-friendly for all our members. Whether you're checking balances or managing transfers, our digital tools are designed with you in mind. Experience the convenience today by visiting https://www.keysfcu.org/!

Financial Strength

Commitment to Growth

With $21,759,408 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust; we have $4,104 in used auto loans and $176,333,420 in total loans and leases to support your financial goals across various sectors. Our $14,418 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members.

Conclusion

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 514 Southard St Key West Fl 33040 or call (305) 294-6622 to learn more about how we can help you achieve your financial goals.

Dedicated Team

We take pride in having 50 full-time employees and 9 part-time employees who are ready to serve you with a knowledgeable, committed team. Your satisfaction is our priority, and our staff is always here to help you navigate your financial journey.

Member Savings and Investments

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 prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We've already issued over $35,712,567 in used vehicle loans and $24,813,083 in new vehicle loans, helping our members get on the road with confidence. If you're considering refinancing your existing auto loan or are unsure about eligibility options, our team is ready to assist you.

Business Loans

For business owners in our community, we provide outstanding commercial loans totaling $3,116,229. These loans offer the capital needed to grow and expand your business operations. If you're interested in exploring these options further or need guidance on how to apply for a business loan, feel free to reach out. At Keys Credit Union, we believe in making financial services accessible and straightforward. For any questions or to learn more about our loan products and eligibility criteria, please don't hesitate to call us at 305-294-6622 or visit our website at www.keysfcu.org. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We're here to support you on your financial journey!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $8,980,133. We make buying or refinancing simple and straightforward. Whether you're a first-time homebuyer or looking to upgrade your living situation, we can help you explore all available options.

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes be challenging. That's why we also offer flexible terms on unsecured credit card loans. With a total of $9,763,616 in loans already helping members manage their finances effectively, our credit cards come with competitive rates and rewards that can enhance your purchasing power.

Loan Aggregator

Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This commitment to using verified data guarantees fair and transparent offers for all users.

Benefits of Using LendMesh

LendMesh prioritizes transparency and reliability in its comparisons. Here are some key benefits: - Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency and trustworthiness in every comparison. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that truly reflect the best options available. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, which helps them make informed decisions quickly. 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 feedback highlights how our platform effectively serves those seeking better financial solutions.

Take Action Today

If you're ready to simplify your search for loans, 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.

KEYS FEDERAL CREDIT UNION - Key West, FL

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