|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
Southernmost Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 30, 2026
Southernmost Credit Union's checking rates are as high as 0.05%. Southernmost Credit Union's Auto Loan Rates are as low as 3.50%. Southernmost Credit Union's Credit Card Rates are at 15.90%. MonitorBankRates evaluates the financial stability of Southernmost Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.00%. Rates last updated and verified on 10/30/2026. Southernmost Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Southernmost Credit Union? Share your experience about Southernmost Credit Union by leaving a review below, or read customer reviews before you decide to use Southernmost Credit Union. Southernmost Credit Union
Southernmost Federal Credit Union 1004 Kennedy Dr
http://www.smfcu.net Key West, FL 33040-4019  Customer Reviews
Be the first to review
Write a Review
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Southernmost Credit Union Savings Rates
Southernmost Credit Union Checking Rates
Southernmost Credit Union Auto Loan Rates
Southernmost Credit Union RV, Boat and Powersport Loan Rates
Southernmost Credit Union Credit Card Rates
Southernmost Credit Union Other Rates
Financial Health HistorySouthernmost Credit Union’s Texas Ratio stayed near 0.00% in Q3 2023 to 0.00% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
Powered by
MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Southernmost Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Southernmost Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Southernmost Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Southernmost Credit Union
Website
http://www.smfcu.net
Address
1004 Kennedy Dr,
Key West, FL 33040-4019
Phone
305-296-6568
Fax
President
Bruce Winegarden
CEO
Gladys Bethel
Full-Time Employees
4
Part-Time Employees
1
Branch Locations
1
ATM Locations
1
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.00%
Return on Assets (ROA)
-0.0585%
Return on Equity (ROE)
-0.3117%
Non-Performing Loans Ratio (NPL)
0.00%
Total Assets
16,050,177
Total Amount of Shares and Deposits
12,781,758
Total Shares and Deposits < 1 Year
12,781,758
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
453,066
Total Uninsured Shares and Deposits > $250K (F+J)
453,066
Total Insured Shares and Deposits > $250K (item 17 less item K)
12,328,692
Total Interest Expense (Sum of items 6 8)
6,916
Share Certificates
7
Number of Accounts for Share Drafts
493
IRA KEOGH Accounts
1
Number of Accounts for Regular Shares
1,563
Net Income (unless the amount is already included in Undivided Earnings)
-9,396
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
2,111,871
Total Liabilities
13,037,160
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Southernmost Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Southernmost Credit Union
Frequently Asked Questions About Southernmost Credit UnionWhat is the highest checking rate at Southernmost Credit Union?The highest Southernmost Credit Union checking rate is its SHARE DRAFT (CHECKING) ACCOUNT at 0.05% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest auto loan rate at Southernmost Credit Union?The lowest Southernmost Credit Union auto loan rate is its New Recreational Vehicle Loan at 3.50% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest credit card APR at Southernmost Credit Union?The lowest Southernmost Credit Union credit card APR is its VISA Credit Card at 15.90% APR, verified by MonitorBankRates as of October 30, 2026. How many branches does Southernmost Credit Union operate?Southernmost Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Southernmost Credit Union?Yes, to access services at Southernmost Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Southernmost Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Southernmost Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Southernmost Credit Union offer online and mobile banking?Most modern institutions like Southernmost Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: http://www.smfcu.net. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Southernmost Credit Union rates compare?Southernmost Credit Union's top rates are its SHARE DRAFT (CHECKING) ACCOUNT at 0.05% APY, its Used Automobile at 3.50% APR and its VISA Credit Card at 15.90% APR, verified by MonitorBankRates on October 30, 2026. Compare to Other Credit Unions
My Credit Union
Edinburg Teachers Credit Union
City Credit Union
Connecticut State Employees Credit Union
DuTrac Community Credit Union
HFS Credit Union
State Farm Federal Credit Union
Fox Federal Credit Union
Citadel Federal Credit Union
Crossroads Community Federal Credit Union
Aberdeen Proving Ground Federal Credit Union
ValleyStar Credit Union
Self Reliance NY Federal Credit Union
Neighbors United Credit Union
TruEnergy Federal Credit Union
Nizari Progressive Federal Credit Union
Guardians Credit Union
Coasthills Credit Union
Naveo Credit Union
Solon Chagrin Falls Federal Credit Union
Altra Federal Credit Union
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
