Online Banking Refinancing Refinancing is Not Just for Houses Anymore! Why should you refinance your high-rate loans, bills and credit cards? Lower your interest rate and pay off your loan for less money. Lower interest rates mean lower payments and more spending money for you. Extend the length of your loan and lower the amount you pay each month. Lower monthly payments give you more money for the things you want. Consolidate your debts into a fixed payment or lower interest rate loan. Simplify your life with fewer bills to pay. Relax and enjoy your new-found free time! Apply the money you save through refinancing to your new loan and pay off your debt faster. Consolidating your debt can help you get closer to financial freedom! Secure your new loan with collateral like a car or boat and get cash back for other purchases or to pay off high-rate debt. Pay off your retail credit card balances with a fixed low-rate loan and improve your credit. Good credit will get you better interest rates and terms on future financing. Frequently Asked Questions about Refinancing Why should I refinance my loans? How does refinancing work? How do I apply for refinancing? What do I need to qualify for refinancing? Does it cost money to refinance? How much money will I save if I refinance? What can I refinance? If I don't have a loan on my automobile or boat, can I still refinance it? If I just got a loan, do I need to wait before I can refinance it? How long does the refinancing process take? What is the largest amount I can refinance? Credit Card Contact Information Member Service: 866-820-7227 Report lost/stolen credit card: 800-449-7728 Call Collect: 727-299-2449 Dispute a credit card charge: 888-918-7322 Debit MasterCard Contact Information Member Service: 305-294-6622 Report lost/stolen debit card: 866-820-8771 Rate Our Service Please review us by clicking a star below. Hours And Locations 3022 N. Roosevelt Blvd., Key West, FL 33040 Member Service: 305-294-6622 info@keysfcu.org Accessibility Statement Disclosures National Association of Federally-Insured Credit Unions 2018 Annual Award Winner for Credit Union of the Year. League of South Eastern Credit Unions and Affiliates awards 2017 Credit Union of the Year to Keys Federal Credit Union Powered By: OMNICOMM NDER