Southernmost Federal Credit Union

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A short history of Southernmost FCU

Since its inception in 1954 the Southernmost Federal Credit Union has been serving its members in the KEY WEST, Florida area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Gladys Bethel, the Southernmost FCU has grown its membership to over 1,914 with assets of more than $14,915,595. They have a main office and 1 branch offices. Please see the credit unions website or contact them by phone at (305) 296-6568 or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in KEY WEST, FL.

General Information For Southernmost FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 9105
Address 1004 KENNEDY DRIVE 
State Florida 
Zip-Code 33040
Phone Number (305) 296-6568
Fax Number () -
Email Address:
CEO/President Gladys Bethel
Members 1,914 
Full-Time Employees
Part-Time Employees
Number of Branch Offices
Total Assets 14,915,595 

Compare Southernmost Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Monroe County Teachers CU Monroe County Teachers FCU 1442 Kennedy Dr 33040 (305) 296-8546 No 5.46
Keys CU Marathon 12790 Overseas Hwy 33041 (305) 294-6622 No 5.98

Southernmost Federal Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Southernmost Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 15.90 7.00 7.00 N/A N/A
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 534 550 545 N/A N/A
Rank Among All Florida Credit Unions 66 86 77 N/A N/A

Southernmost Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.50 N/A 0.50 0.50
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 66 N/A 263 227
Rank Among All Florida Credit Unions N/A 4 N/A 50 28
Southernmost Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 15.9003837,868
All Other Unsecured Loans/Lines of Credit 16.0004201,974,773
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 7.0001813,514,718
Used Vehicle Loans 7.000961,410,740
Total 1st Mortgage Real Estate Loans/Lines of Credit 0.00000
Total Other Real Estate Loans/Lines of Credit 0.00000
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 11.00058894,928
TOTAL LOANS & LEASES 7937,833,027

Southernmost Federal Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 0000
    b. 15 Years or less 0000
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 0000
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 0000
Open-End Fixed Rate 0000


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Southernmost Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans No
Pay Day Lending No
Share Secured Credit Cards No
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs No
Home Banking Via Internet Website Yes