Credit union · NCUA insured
Southernmost FCU Savings Rates
Southernmost FCU’s best savings rate is 0.05% APY on $10,000, with its Regular Shares Account. Rates checked October 15, 2026.
How Southernmost FCU’s savings rates compare
Compared with banks and credit unions near Key West, FL, where Southernmost FCU has the most branches. $10,000, best rate first.
This credit union’s best
Southernmost FCU
0.05%APY
- Minimum
- $5
- Earns on $10,000 a year
- $5
Regular Shares Account
Top rate
First Horizon Bank
0.25%APY
- Minimum
- $50
- Earns on $10,000 a year
- $25
2nd-highest rate
Monroe County Teachers Federal Credit Union
0.25%APY
- Minimum
- —
- Earns on $10,000 a year
- $25
Southernmost FCU savings score
61
Savings score
Higher than 3% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.05%
- QualifiedQualified0.05%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Southernmost FCU ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Regular Shares Account
0.05%APY
Primary share account establishing credit union membership. Dividends compounded and credited quarterly. Calculated using average daily balance method.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum average daily balance of $100.00 required to earn the stated APY. Dividends compounded and credited quarterly on a calendar quarter dividend period.$100 and up | 0.05% | $5 | Minimum average daily balance of $100.00 required to earn the stated APY. Dividends compounded and credited quarterly on a calendar quarter dividend period. |
Special-purpose accounts
Christmas Club Account
0.05%APY
Club account earning dividends to save for Christmas. The entire balance is paid by check or transferred on or after November 1 and the account remains open. Withdrawal fee may apply for each withdrawal.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum average daily balance of $100.00 required to earn the stated APY. Dividends compounded and credited quarterly on a calendar quarter dividend period. Entire balance paid or transferred on or after November 1; withdrawals in the first 7 days after opening are unrestricted, subsequent withdrawals may incur a withdrawal fee.$100 and up | 0.05% | $5 | Minimum average daily balance of $100.00 required to earn the stated APY. Dividends compounded and credited quarterly on a calendar quarter dividend period. Entire balance paid or transferred on or after November 1; withdrawals in the first 7 days after opening are unrestricted, subsequent withdrawals may incur a withdrawal fee. |
IRA Account
0.05%APY
Individual retirement savings account. Dividends compounded and credited quarterly. Calculated using average daily balance method.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum average daily balance of $100.00 required to earn the stated APY. Dividends compounded and credited quarterly on a calendar quarter dividend period.$100 and up | 0.05% | $5 | Minimum average daily balance of $100.00 required to earn the stated APY. Dividends compounded and credited quarterly on a calendar quarter dividend period. |
Vacation Club Account
0.05%APY
Club account earning dividends to save for vacation. The entire balance is paid by check or transferred on or after May 1 and the account remains open. Withdrawal fee may apply for each withdrawal.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum average daily balance of $100.00 required to earn the stated APY. Dividends compounded and credited quarterly on a calendar quarter dividend period. Entire balance paid or transferred on or after May 1; withdrawals in the first 7 days after opening are unrestricted, subsequent withdrawals may incur a withdrawal fee.$100 and up | 0.05% | $5 | Minimum average daily balance of $100.00 required to earn the stated APY. Dividends compounded and credited quarterly on a calendar quarter dividend period. Entire balance paid or transferred on or after May 1; withdrawals in the first 7 days after opening are unrestricted, subsequent withdrawals may incur a withdrawal fee. |
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.