Keys Federal Credit Union Now Serves Over 18,000 Members Across the Florida Keys

KEY WEST, FL, August 18, 2026 (EZ Newswire) -- Keys Federal Credit Union (Keys FCU) today announced that it now serves more than 18,000 members across the Florida Keys, marking a major milestone in the financial institution’s 85-year history. Headquartered in Key West, the credit union operates six branches connecting residents, local business owners, and military personnel from a wide range of occupations and backgrounds across the island chain.

Founded in 1940 by nine civil service employees at Naval Air Station Key West, Keys FCU has grown significantly from its military roots while maintaining its close base connection and expanding its reach to the broader community.

“We’re driven by the needs of our members,” said Maggie Sayer, CEO of Keys Federal Credit Union. “We’re all part of these communities, and we understand how important it is to be there when people need us. Our mission is to serve the people who make these islands their home. There is a lot of diversity in the Keys and each community has its own history here. We try to embody that diversity by hiring team members who speak a variety of languages and mirror our membership. We want the communities to understand that we’re here to serve them.”

Membership at the member-owned, not-for-profit credit union is open to anyone who lives or works in the Florida Keys and their immediate family members. Earnings are reinvested back to members in the form of better rates, fewer fees, and enhanced services.

Supporting the Community

As a Key West native, Sayer has experienced firsthand how closely connected the community can be during difficult times, having witnessed both the devastation caused by hurricanes and tropical storms as well as the supportive community response that follows.

“The Keys are not always an easy place to live,” Sayer said. “Our members know what it’s like to lose their cars because of a flood, or to have five feet of water in their homes after a hurricane. If you’re still here after you’ve been through a few of those experiences, you understand the value of community.”

Keys FCU has often played a direct role in these recovery efforts. Following Hurricane Irma, the credit union provided more than $7 million in unsecured loans to help residents recover.

“Other financial institutions might not make that same decision, but we did,” Sayer said. “That kind of community-based thinking is at the core of who we are. It informs everything, from how we serve our members to the types of loans we make.”

Empowering Local Small Businesses

This “locals helping locals” philosophy also shapes the credit union’s business banking approach. While there might be more profit in providing financing to investors looking to purchase short-term rental properties, Keys FCU focuses on supporting the region’s local small businesses.

“We’re focused on serving our members and providing products designed around them,” Sayer said. “If you’re a landscaper or a kayak tour company, what matters most to you? Things like cash-back checking, low minimum balance requirements, and convenient digital services like online bill pay and transfers. We’re offering the products that work for the businesses in our community.”

About Keys Federal Credit Union

Founded by local residents in 1940, Keys Federal Credit Union is a not-for-profit financial institution serving those who live or work in the Florida Keys, their families and the local military community. With six branches throughout the Keys and a local volunteer board of directors, Keys FCU provides personal and business financial services while investing in financial education and the communities it serves. Guided by its longstanding mission of “Locals Helping Locals,” the credit union remains focused on helping members save money, build wealth and achieve their financial goals. For more information, visit www.keysfcu.org.

Media Contact

Robin Anson
Marketing Director
robin.anson@keysfcu.org