Available 7 Days/Week       MON - FRI  8am - 7pm       SAT - SUN  10am – 6pm
Call us (786) 755-7400
Apply Now


Truly, Keys Federal Credit Union’s origin story could only have happened in the Florida Keys. The financial institution was created over 80 years ago in Key West by a group of civil service employees pooling together $110 in a cigar box.

Its mission — and also its tagline “locals helping locals” — has been so successful that Keys FCU is now opening its sixth branch, in Tavernier. The location has been open since April 15 at the Tavernier Towne Center next to Winn Dixie.

“We love the relationships we’re able to build with our customers,” said Desiree Perez, member services director. “They’re like family.” Perez has worked for Keys FCU since August 2008. 

In the late 1930s, civil service workers came to Key West to reopen military bases and update infrastructure. At the time there was only one bank, and it was for business accounts only. So on Oct. 26, 1940, nine civil service employees gathered together their money to create NavSta Federal Employees Federal Credit Union.

Eventually the name was changed to Keys Federal Credit Union, and now it serves over 14,000 clients in six locations: two in Key West, one on Stock Island, one in Big Pine Key, one in Marathon and one in Tavernier. 

Keys FCU offers online banking and mobile banking, free person-to-person payments and financial management apps. “We do everything from personal loans to credit cards to auto loans, RV loans, motorcycle loans and mortgages,” said Perez. “And if we don’t, we try to figure out a way to do it.”

Perez’s favorite memory of helping out customers in a time of need was after Hurricane Irma. “Our branch in Big Pine Key was flooded and a lot of members lost their vehicles,” Perez remembered. “Our IT department gave me a laptop to help members get car loans, because they couldn’t get to Marathon or Key West. I sat on the bank’s porch with the laptop. We ran extension cords to the laptop until the beginning of December, when we were able to open the branch.”

Keys FCU now has a mobile branch in the form of a large RV in case there’s another storm like Hurricane Irma. “So we can go where we are needed,” said Perez. The vehicle has a teller window,  two ATM machines and customer service desks.

The new Keys FCU branch is at 91200 Overseas Hwy, Suite 15, to the right of Winn Dixie in the strip mall, Tavernier Towne Plaza. More information is at 305-294-6622 or keysfcu.org.

The post KEYS CREDIT UNION, WHICH STARTED OUT OF A CIGAR BOX 80 YEARS AGO, NOW HAS SIX OFFICES appeared first on Florida Keys Weekly Newspapers.

Florida Keys Weekly

#floridakeys, #upperfloridakeys, #upperkeys, #upperkeysmortgage, Business, Community News, Featured

*Assumes 2.799% APR, 20% down payment, and conforming 30-year fixed rate first mortgage on a single family, primary residence. The monthly payment you enter includes only principal and interest. Additional required amounts such as taxes, insurance, home owner association dues, assessments, mortgage insurance premiums, flood insurance or other such required payments should also be considered. Not all individuals will qualify for a mortgage loan based on the payment entered. Rates cited are for instructional purposes only; current rates are subject to change at any time without notice.  **Posted APR is based on Mortgage Assumptions
Copyright © 2021 Fidelity Home Group supports Equal Housing Opportunity | All Right Reserved  | NMLS Identifier 1834853. Fidelity Home Group is not affiliated with the Department of Housing and Urban Development (HUD) or the Federal Housing Administration (FHA). Not intended for legal or financial advice, consult your own professionals if such advice is sought. Accessibility Statement  | Consent to Receive Electronic Loan Documents  |  Cookies Policy   |  Disclosures  | Email and Mobile PolicyFair Lending Policy  |  Mortgage Assumptions  |  NMLS Consumer Access  |  Privacy Policy  |  Terms of Use 

Florida Keys Mortgage | Fidelity Home Group
2011 Flagler Ave, Key West, FL 33040

Hours of Operation:

Monday - Friday 8am to 7pm EST
Saturday - Sunday 10am to 6 pm EST