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KOFE

Keys Federal Credit Union

Get more at Keys FCU

  • Earn Cash Back and Free ATMs
  • Grow your savings faster with Super Saver Rewards
  • Save time with mobile technology
  • Save money with free services

NCUA Insured. Equal Housing Lender. Restrictions may apply.

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Quiz

Do you know where you stand? Take our financial evaluation

Saving money is as personal and as individual as making money. Give us 5 minutes and we’ll give you customized financial advice.

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Coaching

Free financial coaching

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New!

The 2026 Money Confidence Roadmap

A year-long guide to easing financial stress, improving credit, and regaining control over debt

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Courses

Want to become an expert in personal finance

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Budgeting

Budgeting is the key to success

Keep your finances in shape with this easy tool

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Taxes

The ABCs of the IRS: Taxes made simple

No one likes paying taxes. No one likes thinking about taxes. Here’s how to save money (and aggravation) in just a few minutes.

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Search financial topics to help you navigate major life events

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banking basics Budgeting Buying a Home Debt Financial Goals getting out Income net worth ratio reduce spending guidelines Understanding Credit

Statistics for American households

51%

Only 51% of American adults are financially literate

Marketwatch

1 in 5

Nearly 1 in 5 credit card owners are borrowing 90% or more of their available credit – 15% of these are Gen Z borrowers who have the highest delinquency rates among all other demographics

New York Federal Reserve

55%

Small businesses accounted for 55% of job creation between 2013 – 2023

Bureau of Labor Statistics

1.54%

Only 1.54% of U.S. consumers have a perfect FICO Score of 850

Experian

15.5%

Only 15.5% of homes for sale in 2023 were affordable for the typical U.S. household—the lowest share on record – down from 45% in 2020

Redfin

$1,225

The average American consumer is paying $1,225 a month in credit cards, mortgages and auto loans

Experian

1 out of 3

1 out of 3 Americans believe they’ll never own a home (38%)

Redfin

$1,506

Americans lost an average of $1,506 in 2023 due to financial illiteracy

Financial Educators Council

Next Upcoming Webinar

Homeownership Fundamentals

Ready to own your future? Follow these steps from pre-approval to closing.

10/14/2026 1:00 pm (EST)

In this free webinar, you’ll learn…

  • How to financially prepare for homeownership
  • How credit, debt, and mortgage options impact your ability to buy a home
  • What resources and programs can help first time homebuyers
Register for the Webinar