Credit union · NCUA insured
Southernmost FCU Auto Loan Rates
Southernmost FCU auto loans start at 4.75% APR for a new vehicle and 4.75% for a used one. Rates checked October 15, 2026.
How Southernmost FCU’s auto loan rates compare
Compared with banks and credit unions near Key West, FL, where Southernmost FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Southernmost FCU
4.75%APR
- Terms
- 49–60 months
- Discount
- None included
New Automobile - 100% Financing
Lowest rate
Keys FCU
3.25%APR
- Terms
- up to 84 months
- Discount
- None included
3rd-lowest rate
SouthState Bank
5.23%APR
- Terms
- up to 72 months
- Discount
- Included in the rate
Southernmost FCU auto loan score
87
Auto loan score
Higher than 76% of U.S. banks and credit unions
- New vehicleNew4.75%
- Used vehicleUsed4.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Southernmost FCU ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New Automobile - 100% Financing
100% financing on new vehicles including tax, tags, and titles. Maximum term is 7 year financing. Rates are subject to change without prior notification.
| Terms | APR | Conditions |
|---|---|---|
| 12–36 months | 3.50% | — |
| 37–48 months | 4.00% | — |
| 49–60 months | 4.75% | — |
| 61–72 months | 5.00% | — |
Sources (1)
- smfcu.net/loan-rates · captured Oct 7, 2026
Used Automobile
Finances 90% of NADA retail value on used vehicles no older than 7 years old. Maximum term is 7 year financing. Rates are subject to change without prior notification.
| Terms | APR | Conditions |
|---|---|---|
| 12–36 months | 3.50% | — |
| 37–48 months | 4.00% | — |
| 49–60 months | 4.75% | — |
| 61–72 months | 5.00% | — |
Sources (1)
- smfcu.net/loan-rates · captured Oct 7, 2026
Who can join Southernmost FCU
This may be incomplete or out of date, so check with the credit union before you apply.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.
Membership information collected October 5, 2026.