Southernmost Credit Union Key West FL | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Southernmost Federal Credit Union, your trusted partner in financial wellness located at 1004 Kennedy Dr, Key West, FL 33040. Since our establishment in 1954, we have proudly served our community, growing to a membership of over 1,249 individuals who trust us with their financial needs. With total assets exceeding $16,384,525 and total deposits around $1,371,897, we are committed to providing personalized service and competitive products that cater to both individual and business banking needs. At Southernmost FCU, we understand that every member's journey is unique. That's why we offer a range of services from checking and savings accounts to auto loans and mortgage refinancing. Our dedicated team of 4 employees works tirelessly under the leadership of CEO Gladys Bethel and Board President Bruce Winegarden to ensure that your experience is not just satisfactory but exceptional. While members can visit us at our branch for all their banking needs, official correspondence should be sent to 1004 Kennedy Drive, Key West, FL 33040-4019. Whether you're looking for straightforward banking solutions or more complex loan options we're here for you! In addition to our commitment to excellent service, we take pride in our strong financial position. With a net worth of $2,961,466 and cash in hand totaling $190,135, we're not just stable; we're growing! This allows us to invest back into the community through various initiatives and support programs. Ready to take the next step towards financial success? Visit us today or call us at 305-296-6568. Discover how Southernmost Federal Credit Union can make a positive impact on your financial future! For more information about our offerings, feel free to check out our website at www.smfcu.net.

Branch History & Mission

Welcome to Southernmost Federal Credit Union, a cornerstone of financial support in Key West, Florida. Since opening our doors in 1954, we have dedicated ourselves to fostering strong community ties and providing exceptional financial services tailored to our members' needs. Our branch is conveniently located at 1004 Kennedy Dr, Key West, FL 33040, a place where locals can easily access their banking needs while enjoying the beautiful surroundings of our vibrant island. Over the years, Southernmost has grown from its humble beginnings into a trusted institution for over 1,249 members. With total assets reaching an impressive $16,384,525, we are proud to offer a variety of services that include checking and savings accounts, auto loans, mortgages, personal loans, and credit cards with rewards. Our commitment to our members goes beyond traditional banking; we strive to create a positive impact in our community through various outreach programs and partnerships. At Southernmost Federal Credit Union, our mission is clear: we aim to empower individuals and families by providing accessible financial solutions while nurturing the community spirit that makes Key West special. We believe in treating each member like family supporting their financial goals and offering guidance every step of the way. While members can visit us at 1004 Kennedy Dr, official correspondence should be sent to 1004 Kennedy Drive, Key West, FL 33040-4019. We understand the importance of convenience in today's fast-paced world. That's why we offer digital banking options alongside traditional services. Whether you prefer online banking or using our drive-thru service for quick transactions, we are here for you. We recognize that accessibility is vital. Therefore, our branch is equipped with an ATM and provides drive-thru banking for those who need it. Our operating hours cater to various schedules: we're open Monday through Tuesday and Thursday from 8:30 AM to 5:00 PM, Wednesday from 12:00 PM to 5:00 PM, and Friday from 9:00 AM to 6:00 PM. Join us at Southernmost Federal Credit Union where your financial dreams can become reality. Experience firsthand how we combine personalized service with comprehensive banking solutions designed just for you. Discover the difference today let's build a brighter future together! For more information or to get started on your journey with us, call us at 305-296-6568 or visit our website.

Branch Location & Accessibility

Banking Hours

Our doors are open during convenient hours tailored to fit your busy schedule. We welcome you Monday, Tuesday, and Thursday from 8:30 AM to 5:00 PM. On Wednesdays, we open a bit later at noon but remain available until 5:00 PM. And don't forget about Friday we're here from 9:00 AM until 6:00 PM!

Connect With Us

If you have any questions or need assistance with your banking needs, feel free to reach out! You can give us a call at 305-296-6568. We invite you to come visit us soon whether it's for personal banking or just to say hello! Your journey towards better financial health starts here at Southernmost Federal Credit Union.

Getting Here

We know how important convenience is, which is why we've ensured that our location is easy to find. Whether you're driving or walking, you can navigate to us without a hitch. We also offer ample parking space for those who prefer to visit us by car. Plus, our branch is fully ADA compliant, featuring ramps and accessibility features to ensure everyone can access our services comfortably. While members can visit us at 1004 Kennedy Dr, official correspondence should be sent to the same address.

Services Offered

At Southernmost Federal Credit Union, we take pride in offering a variety of personal banking services such as checking and savings accounts, auto loans, mortgage options, and credit cards with rewards. For those on the go, we provide online and mobile banking solutions alongside ATM access for quick cash withdrawals and balance checks. Additionally, if you prefer face-to-face interactions, our drive-thru service allows for easy deposits and withdrawals without having to leave your vehicle.

Member Eligibility

At Southernmost, we believe that everyone deserves a place where they can feel valued and supported, and becoming a member is your first step into our welcoming community. If you're looking to join us at 1004 Kennedy Dr Key West Fl 33040, you'll be happy to know that eligibility is open to individuals who live, work, worship, or attend school in the areas we serve. This means whether you're a long-time resident or just starting out in our vibrant community, you're likely to qualify. Joining Southernmost comes with great benefits like personalized service, competitive loan rates, and access to a variety of financial products designed to help you thrive. Plus, it's easy! You can find detailed eligibility requirements on our website at http://www.smfcu.net/membership-application. Once you're ready to take the next step, opening an account is straightforward simply visit us online at https://smfcu.mnolb.com/#/pub/loanapp or give us a call at (305) 296-6568 for assistance. We can't wait to welcome you as a valued member!

Business Banking & Commercial Services

Commercial Loans That Fuel Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. Additionally, we also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions tailored to various business needs.

Merchant Services for Everyday Transactions

In today's fast-paced market, efficient payment processing is vital. Our merchant services simplify transactions, allowing you to focus on what you do best running your business. Imagine being able to accept payments seamlessly from customers while tracking sales effortlessly. This not only enhances customer satisfaction but also drives revenue growth. Visit us at 1004 Kennedy Dr Key West Fl 33040 in Key West, FL or call us at (305) 296-6568 to discover how our business banking and commercial services can help your enterprise thrive!

Comprehensive List Of Services

Business Banking Services

If you're a business owner, you'll be pleased to know that we also cater to your needs with our business banking services, including merchant services and business loans. We understand how important it is for businesses to have accessible financial solutions. With us by your side, you can focus on growing your business while we handle the banking.

Connect With Us

We are dedicated to ensuring that every member feels valued and supported at Southernmost. If you're interested in learning more about any of our services or want personalized assistance, please don't hesitate to reach out! Call us at (305) 296-6568, visit us at 1004 Kennedy Dr Key West Fl 33040, or explore our website at Southernmost Federal Credit Union. We look forward to serving you!

Convenient Access

Accessing your finances should never be a hassle. That's why we provide various ways for you to manage your accounts conveniently. Our online and mobile banking services allow you to bank whenever it suits you best whether it's early morning or late at night. Plus, with our ATM and cash withdrawal services available at numerous locations, getting cash is easier than ever. We also have basic drive-thru banking options for quick transactions like deposits and withdrawals perfect for when you're on the go!

Flexible Loan Options

Sometimes life throws unexpected expenses your way. Our personal loans and debt consolidation services are here to assist you during those times. Imagine tackling high-interest debts or funding that special project you've been dreaming about all while enjoying competitive rates. And for those looking to earn rewards on their purchases, our credit cards with rewards offer an easy way to earn back while you spend. Use it for everyday purchases and watch your rewards stack up!

Personal Banking Solutions

Our personal banking services include checking and savings accounts designed to help you manage your money easily. Imagine having a place where your savings can grow, along with convenient access through our online banking platform. This way, you can check balances, transfer funds, and pay bills all from the comfort of your home. For those in need of financing, we offer auto loans and vehicle financing that make it simple to get behind the wheel of a new car. Picture yourself cruising down the road in a reliable vehicle without breaking the bank. Additionally, if you're thinking about buying a home, our mortgage loans and refinancing options can help turn that dream into reality.

Digital & Online Banking

Key Features

You can easily access e-statements to keep track of your transactions without the clutter of paper statements. This not only helps the environment but also makes it easier for you to stay organized. Plus, with our person-to-person transfers, sending money to friends or family is quick and straightforward no more waiting for checks to clear! While we don't currently offer a mobile application or mobile payments, our website is fully optimized for mobile use. This means you can enjoy all the features of online banking right from your smartphone or tablet.

Security and Support

We prioritize your security with robust measures in place to protect your accounts and personal data. Although we do not support electronic signature authorization yet, we are committed to providing a safe banking experience. At Southernmost, we are here to help you navigate all these services. If you have any questions about using our digital banking tools, feel free to reach out at (305) 296-6568. We're excited to help you take control of your finances!

Financial Strength

At Southernmost, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share our strong financial position, which reflects our commitment to serving you well. With a net worth of $2,961,466, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. This strength is further emphasized by our net worth ratio of 18.07%, showcasing a solid capital foundation. This ensures that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $450,000 in share certificates and $0 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members; with non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. In addition to our strong capital position, we have $2,438,510 in undivided earnings. This allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve you better. With $108 in used auto loans and $10,452,225 in total loans and leases, our lending capacity supports your financial goals across various sectors. Our operational efficiency is reflected in our $4,203, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 4 full-time employees and 0 part-time employees who are dedicated to serving you with knowledge and commitment. Net Shares (Funds available for lending and investments): $0. Our total number of share accounts stands at 2,077, showing a strong and growing member base that trusts us with their finances. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Southernmost is your trusted partner. Visit us at 1004 Kennedy Dr Key West Fl 33040 or call (305) 296-6568 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $2,390,834 in used vehicle loans and $4,762,939 in new vehicle loans already helping members get on the road. Whether you're interested in financing a new or used vehicle, we have options that fit your budget.

Credit Lines and Unsecured Credit Cards

For those needing additional flexibility, we provide total credit lines amounting to $1,107,540. This can be an excellent way to manage cash flow or cover unexpected expenses. We also offer flexible terms on unsecured credit card loans, with a total of $47,400 in loans helping members manage their finances effectively.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. While we currently offer Junior Lien 1-4 Family Residential Properties loans totaling $0, our team is here to guide you through each step of the mortgage process, ensuring you find the right solution for your situation.

Refinancing Options

If you're considering refinancing your current loans or exploring eligibility options for any of our products, our team is ready to assist you. We aim to provide solutions that can save you money and streamline your repayment process. We invite you to visit us at 1004 Kennedy Dr Key West Fl 33040, Key West, FL, or call us at (305) 296-6568 for more information on how we can support your financial journey. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore our loan offerings today and see how Southernmost can help you take the next step towards achieving your financial dreams!

Loan Aggregator

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SOUTHERNMOST FEDERAL CREDIT UNION - Key West, FL

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Introduction

Branch History & Mission

Branch Location & Accessibility

Banking Hours

Connect With Us

Getting Here

Services Offered

Member Eligibility

Business Banking & Commercial Services

Commercial Loans That Fuel Growth

Merchant Services for Everyday Transactions

Comprehensive List Of Services

Business Banking Services

Connect With Us

Convenient Access

Flexible Loan Options

Personal Banking Solutions

Digital & Online Banking

Key Features

Security and Support

Financial Strength

Loan Offering

Auto Loans

Credit Lines and Unsecured Credit Cards

Mortgage Loans

Refinancing Options

Loan Aggregator

Benefits of Using LendMesh

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