Welcome to Southernmost Federal Credit Union, where we have proudly served our community since 1954. Located in the vibrant city of Key West, FL, we are dedicated to providing financial empowerment and exceptional service to our members, including military personnel and their families. Under the leadership of CEO Gladys Bethel and Board President Bruce Winegarden, we strive to foster a sense of trust and accessibility for all our members. Our commitment to their financial well-being is reflected in our NCUA insurance, which has been safeguarding deposits since January 4, 1971.

At Southernmost FCU, we understand that modern banking requires innovation and convenience. That's why we offer a suite of online banking tools designed to make managing your finances easier than ever. From secure online banking and electronic statements to person-to-person transfers, we prioritize a member-first approach that meets the needs of today’s digital landscape. Although we currently do not provide mobile payments or a mobile app, our services remain robust with options for personal banking, auto loans, mortgage refinancing, and more. For further information about us or to explore membership opportunities, please visit our website at https://smfcu.net/ . We look forward to welcoming you into our financial family.

At Southernmost Federal Credit Union, we pride ourselves on providing a comprehensive suite of financial services designed to meet the diverse needs of our members. Whether you're looking for personal banking solutions like checking and savings accounts, or seeking financing options such as auto loans and mortgage refinancing, we've got you covered. Our offerings extend to business banking, where you can find merchant services and business loans tailored to help small enterprises thrive. With our credit cards featuring rewards and various personal loan options for debt consolidation, you can manage your finances efficiently while planning for life's milestones.

In today's fast-paced world, convenience is key, which is why we offer robust online banking services that allow members to access their accounts anytime, anywhere. Our platform includes person-to-person transfers, e-statements, and other digital tools that make managing your finances simple and straightforward. While we currently do not have a mobile application or mobile payments, our commitment to providing an easy-to-use online experience ensures that everyday banking tasks are just a click away. If you're considering joining our community, check out our membership qualifications at http://www.smfcu.net/membership-application . For those interested in exploring loan options or comparing rates, visit https://www.lendmesh.com/loans/vehicle_loans for helpful insights.

At Southernmost Federal Credit Union, we understand the importance of personalized support. Feel free to reach out via if you have any questions or need assistance with your financial journey. Our dedicated team is here to help you navigate your banking needs effectively, so you can focus on what matters most in life.

Southernmost Federal Credit Union stands as a trusted financial partner within the community, boasting a robust foundation that reflects its commitment to serving its members. With a total membership of 1,249, this credit union has successfully built a solid relationship with its members, focusing on personalized service and community engagement. The financial strength of Southernmost is evident in its impressive total assets of 16,384,525 and a net worth of 2,961,466, which underscore its stability and reliability.

The credit union's dedication to sound financial practices is highlighted by its net income of 60,241, demonstrating effective management and strategic growth. With total deposits reaching 1,371,897, members can feel confident knowing their savings are secure. Southernmost also actively supports the community through a diverse portfolio, reflected in its total loans and leases amounting to 657, providing essential funding for personal, automotive, and business needs.

Employing a dedicated team of just 4 professionals, Southernmost maintains an intimate atmosphere while delivering exceptional service. The credit union’s net worth ratio of 1,807 illustrates its strong capital position, ensuring that it remains well-equipped to meet member needs now and into the future. Additionally, with a credit card loan volume of 273 and an auto loan volume of 216, Southernmost provides tailored lending solutions designed to empower individuals in achieving their financial goals.

For those looking for commercial financing options, it's noteworthy that Southernmost offers competitive services despite not currently holding any commercial loans. This positions them uniquely to adapt and grow with the needs of their members as market demands shift.

All performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov . Discover how you can benefit from partnering with Southernmost Federal Credit Union by comparing real-time loan offers today at https://www.lendmesh.com/loans/vehicle_loans . Your journey towards financial success begins here!