Credit union · NCUA insured
Southernmost FCU
A $16.7M credit union headquartered in Key West, FL, with 1,225 members and 1 branch in Florida. Best rates: savings 0.05% APY.
Southernmost FCU Carrot Score
67
Carrot Score
Higher than 19% of U.S. banks and credit unions
#2 of 7 in Key West, FL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Southernmost FCU
Southernmost FCU is a member-owned credit union based in Key West, Florida.
- Headquarters
- 1004 Kennedy Dr, Key West, FL 33040-4019
- NCUA charter
- 9105
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to Credit Union Employees.
- Membership is open to employees of Keys Energy Service.
- Membership is open to employees of Lower Keys Medical Center.
- Membership is open to employees of Loyal Order of Moose Lodge.
- Membership is open to employees of Key West Power Squadron.
Military, government and schools
- Membership is open to employees of City of Key West.
7 more ways to join
Military, government and schools
- Membership is open to employees of County of Monroe.
- Membership is open to employees of Florida Keys Aqueduct Authority.
- Membership is open to employees of Florida Keys Community College.
- Membership is open to employees of Local States Attorneys Office.
- Membership is open to employees of Monroe County Board of Commissioners and Staff.
- Membership is open to employees of Monroe County Mosquito Control.
- Membership is open to employees of NAS Crash Crew.
Branches
1 branch in Florida
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Florida
1 branch
- Southernmost Federal Credit UnionMain office1004 Kennedy Dr, Key West, FL 33040Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 18.77% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.00% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -0.12% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $80 | $59 | — |
- CapitalNet worth ratio18.77%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.00%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-0.12%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$80Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Southernmost FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.