Keys Federal Credit Union

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A short history of Keys FCU

Since its inception in 1940 the Keys Federal Credit Union has been serving its members in the KEY WEST, Florida area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Scott Duszynski, the Keys FCU has grown its membership to over 12,657 with assets of more than $136,303,299. They have a main office and 4 branch offices. Please see the credit unions website or contact them by phone at (305) 294-6622 or email them at none to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in KEY WEST, FL.

General Information For Keys FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 4135
Address PO BOX 1898 
State Florida 
Zip-Code 33041
Phone Number (305) 294-6622
Fax Number (305) 809-1215
Email Address: none
CEO/President Scott Duszynski
Members 12,657 
Full-Time Employees 46 
Part-Time Employees
Number of Branch Offices
Total Assets 136,303,299 

Compare Keys Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Monroe County Teachers CU Monroe County Teachers FCU 1442 Kennedy Dr 33040 (305) 296-8546 No 0.28
Southernmost CU Southernmost Federal Credit Union 1004 Kennedy Dr 33040 (305) 296-6568 No 1.21

Keys Federal Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Keys Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 2.90 5.00 7.25 4.00 4.00
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 7 397 566 138 100
Rank Among All Florida Credit Unions 1 73 80 19 7

Keys Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.01 0.02 0.85 0.20
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 156 149 198 271
Rank Among All Florida Credit Unions N/A 24 30 32 40
Keys Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 2.9002,7194,570,999
All Other Unsecured Loans/Lines of Credit 12.0001,83111,471,955
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 5.00053811,000,852
Used Vehicle Loans 7.2501,86425,660,949
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.00012325,450,824
Total Other Real Estate Loans/Lines of Credit 4.000766,869,236
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 7.7501,06415,587,916
TOTAL LOANS & LEASES 8,215100,612,731

Keys Federal Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 4910,982,321175,885,050
    b. 15 Years or less 101,101,3674886,300
    a. > 15 years 51,511,25100
    b. 15 Years or less 529,880,86100
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 71,975,02400
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 353,138,76100
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 413,730,4752240,753
Open-End Fixed Rate 0000
TOTALS 19932,320,060436,812,103


Interest Only & Payment Option 1st Mortgage Loans 1313,0270
Interest Only & Payment Option Other RE/LOC Loans 393,361,73240,753
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Keys Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans Yes
Check Cashing Yes
Money Orders No
No Surcharge ATMs No
Home Banking Via Internet Website Yes