SOUTHERNMOST FEDERAL CREDIT UNION

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.

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.

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!

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 $1,807, 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 $60,241, 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.