Keys Federal Credit Union

Headquarters: Key West, Florida
Charter: Credit Union
Assets: $253.2M
Fed district: Atlanta

24 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 15, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Compared at $12.50, the middle of its prices
Keys Federal Credit Union: $10 to $15
Keys Federal Credit Union: $10 to $15
U.S. median: no median
NSF / Returned Item
Keys Federal Credit Union: $15
Keys Federal Credit Union: $15
U.S. median: no median
Non-Network ATM
Keys Federal Credit Union: $1.50
Keys Federal Credit Union: $1.50
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 15, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Florida, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Florida: Banks and credit unions headquartered in Florida that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Keys Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Monthly Maintenance$15
per month
Monthly Maintenance$10
per month
Account Closure (within 180 days of opening) (audience not stated, treated as personal)$25
Escheat Processing (audience not stated, treated as personal)$25
Escheat Processing$25
Inactive Member (no activity on account for 365 days and less than in deposits) (audience not stated, treated as personal)$15
Other Fees and Charges Escheat Processing$25
per item
Account Research (per hour) (audience not stated, treated as personal)$25
Not compared: Charged per hour; comparison unavailable
per hour
Statement Reconciliation (per hour) (audience not stated, treated as personal)$25
Not compared: Charged per hour; comparison unavailable
per hour
Printed Statements and Documents (audience not stated, treated as personal)$3
Returned Mail Processing (audience not stated, treated as personal)$10

Overdraft & NSF

Non-Sufficient Funds (NSF) (audience not stated, treated as personal)$15
Overdraft Transfer (audience not stated, treated as personal)$2

ATM & Card

ATM Network (audience not stated, treated as personal)$1.50
Non-Keys FCU ATM Withdrawals, Balance Inquiries and Transfers$1.50
Debit MasterCard Rush Order (audience not stated, treated as personal)$40
Foreign Transaction1%of the transaction
per transaction

Wire Transfers

Wire Transfer: Outgoing - US (audience not stated, treated as personal)$20
Wire Transfer: Incoming - US (audience not stated, treated as personal)$10
Wire Transfer: Outgoing - Int’l$40

Check Services

Cashier’s Check (audience not stated, treated as personal)$5
Stop Payment Order (audience not stated, treated as personal)$15
Check Cashing5%($5 minimum)
Collection Item (International) (audience not stated, treated as personal)$35
Check Image/Copy$15
Copy of Check (audience not stated, treated as personal)$3

Cash & Deposit

Cash Advance2%of the advance ($20 minimum)
Cash Advance (audience not stated, treated as personal)2%of the advance
Check Order or Reorder (shipping not included) Varies Cash Advance | minimum (audience not stated, treated as personal)$10
Returned Deposit Item (audience not stated, treated as personal)$10

Account Services

Notary Service (Non-Members) (audience not stated, treated as personal)$3
per item
Tax Levy/Garnishment Processing (audience not stated, treated as personal)$100

Lending Fees

UCC Filing (per occurrence) (audience not stated, treated as personal)$10
per item

Retirement & IRA

IRA Transfer to Another Financial Institution (audience not stated, treated as personal)$45

Other Fees

Statement Copy (audience not stated, treated as personal)$3
Loan Due Date Change$25
Loan Processing$49
Loan Refinance Fee (audience not stated, treated as personal)$100
Returned Loan Payment$25
Skip Payment$40

Fee	Amount	Basis	Note
Account Maintenance
Monthly Maintenance	$15	per month	None
Monthly Maintenance	$10	per month	None
Account Closure (within 180 days of opening) (audience not stated, treated as personal)	$25	Not stated	None
Escheat Processing (audience not stated, treated as personal)	$25	Not stated	None
Escheat Processing	$25	Not stated	None
Inactive Member (no activity on account for 365 days and less than in deposits) (audience not stated, treated as personal)	$15	Not stated	None
Other Fees and Charges Escheat Processing	$25	per item	None
Account Research (per hour) (audience not stated, treated as personal)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Statement Reconciliation (per hour) (audience not stated, treated as personal)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Printed Statements and Documents (audience not stated, treated as personal)	$3	Not stated	None
Returned Mail Processing (audience not stated, treated as personal)	$10	Not stated	None
Overdraft & NSF
Non-Sufficient Funds (NSF) (audience not stated, treated as personal)	$15	Not stated	None
Overdraft Transfer (audience not stated, treated as personal)	$2	Not stated	None
ATM & Card
ATM Network (audience not stated, treated as personal)	$1.50	Not stated	None
Non-Keys FCU ATM Withdrawals, Balance Inquiries and Transfers	$1.50	Not stated	None
Debit MasterCard Rush Order (audience not stated, treated as personal)	$40	Not stated	None
Foreign Transaction	1%of the transaction	per transaction	None
Wire Transfers
Wire Transfer: Outgoing - US (audience not stated, treated as personal)	$20	Not stated	None
Wire Transfer: Incoming - US (audience not stated, treated as personal)	$10	Not stated	None
Wire Transfer: Outgoing - Int’l	$40	Not stated	None
Check Services
Cashier’s Check (audience not stated, treated as personal)	$5	Not stated	None
Stop Payment Order (audience not stated, treated as personal)	$15	Not stated	None
Check Cashing	5%($5 minimum)	Not stated	None
Collection Item (International) (audience not stated, treated as personal)	$35	Not stated	None
Check Image/Copy	$15	Not stated	None
Copy of Check (audience not stated, treated as personal)	$3	Not stated	None
Cash & Deposit
Cash Advance	2%of the advance ($20 minimum)	Not stated	None
Cash Advance (audience not stated, treated as personal)	2%of the advance	Not stated	None
Check Order or Reorder (shipping not included) Varies Cash Advance \| minimum (audience not stated, treated as personal)	$10	Not stated	None
Returned Deposit Item (audience not stated, treated as personal)	$10	Not stated	None
Account Services
Notary Service (Non-Members) (audience not stated, treated as personal)	$3	per item	None
Tax Levy/Garnishment Processing (audience not stated, treated as personal)	$100	Not stated	None
Lending Fees
UCC Filing (per occurrence) (audience not stated, treated as personal)	$10	per item	None
Retirement & IRA
IRA Transfer to Another Financial Institution (audience not stated, treated as personal)	$45	Not stated	None
Other Fees
Statement Copy (audience not stated, treated as personal)	$3	Not stated	None
Loan Due Date Change	$25	Not stated	None
Loan Processing	$49	Not stated	None
Loan Refinance Fee (audience not stated, treated as personal)	$100	Not stated	None
Returned Loan Payment	$25	Not stated	None
Skip Payment	$40	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 15, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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