Southernmost

1004 Kennedy Drive, Key West, FL 33040

NCUA Insured4.4 (7 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1954

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Key West, FL may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

1 charter

Established in 1954

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesCredit Cards

Location & Directions

Address

1004 Kennedy Drive

Key West, FL 33040

Google Maps 🗺Waze

(305) 296-6568

Service Area

This credit union is located in Key West and serves members in the FL area. Currently serving 1,231 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

4.92%

Used Auto Loan

5.28%

Personal Loan

11.20%

Credit Card APR

15.90%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in FL

Lowest rates currently reported by credit unions in FL (NCUA Q4 2025).

Mccoy— New Auto Loan

Orlando, FL

1.99%

Broward Healthcare— Used Auto Loan

Fort Lauderdale, FL

1.99%

Coastline— Personal Loan

Jacksonville, FL

7.18%

1st Street— Credit Card APR

Sarasota, FL

6.69%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(1 total)

Member Reviews

4.4

7 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Luvenia Newton

2 years ago

My SMFCU, the only bank that treats you like family, We've been shareholders there for over 40yrs, now our children, it's a family affair! Thank you my ladies for always taking care of our conch family community thru all the hurricanes🌀,covid pandemic, etc. We know you will always be there! God bless 🙏& Thanks each and every one of you all again! For all your years of service, The Newtons & Plas 🥰

Rachel Black

4 years ago

I’ve never banked anywhere from they remember your name. Here, they do. Polite, kind and they actually care about their customers. Elaine, Stella and Gladys are absolutely unbelievably helpful. Thank you all for being the best at what you do.