Southernmost Federal Credit Union

Southernmost Federal Credit Union is a credit union in Key West, FL, serving individuals within its field of membership with financial services including checking and savings accounts, loan applications, home loans, vehicle loans, and online banking. Membership is available to those who qualify under the credit union’s membership criteria, and members become owners through their participation. The credit union partners with AmeriCU Mortgage to support mortgage needs, offering personalized assistance with loan programs and competitive rates.

The credit union emphasizes member ownership and cooperative principles, positioning itself as an alternative to traditional financial institutions by focusing on member benefits and community support. It provides access to online banking and offers resources such as NADA Guides, emergency financial preparedness tools, and links to government and nonprofit organizations.

Located at 1004 Kennedy Drive in Key West, the credit union operates from a dedicated branch facility serving the local community. Its hours include weekday service from 8:30 a.m. to 5:00 p.m., with adjusted hours on Wednesdays and Fridays.

As a member-owned financial institution, Southernmost Federal Credit Union is rooted in the Key West community, providing accessible banking services and financial solutions tailored to local residents. Its presence on Kennedy Drive reflects its long-standing role in supporting the area’s financial needs.