Credit union · NCUA insured
Southernmost FCU Credit Card Rates
Southernmost FCU credit cards start at 15.90% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How Southernmost FCU’s credit card rates compare
Compared with banks and credit unions near Key West, FL, where Southernmost FCU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Southernmost FCU
15.90%APR
- Annual fee
- $12
- Up to
- —
VISA Credit Card
Lowest rate
Truist Bank
13.99%APR
- Annual fee
- $450
- Up to
- —
3rd-lowest rate
Wells Fargo
17.74%APR
- Annual fee
- None
- Up to
- 28.49% APR
Southernmost FCU credit card score
61
Credit card score
Higher than 4% of U.S. banks and credit unions
- Purchase APRPurchase APR15.90%
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 credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
VISA Credit Card
Default APR is 15.90% if payment not received by second due date, remaining until three consecutive on-time payments. Members with Bankruptcy or Beacon score under 500 charged 3.00% higher on all loans with a maximum of 18.00%.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.90% | $12 | 25 days average grace period on purchases; average daily balance method; balance transfer fee NONE; cash advance fee NONE. Default APR 15.90%. Rate adjustment up to 18.00% maximum for bankruptcy or Beacon score under 500. |
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This may be incomplete or out of date, so check with the credit union before you apply.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.