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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
SOUTHERNMOST Rates & Review August 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: August 28, 2026
SOUTHERNMOST's Personal Loan Rates are at 3.50%. MonitorBankRates evaluates the financial stability of SOUTHERNMOST with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.18%. Rates last updated and verified on 08/28/2026. SOUTHERNMOST money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at SOUTHERNMOST? Share your experience about SOUTHERNMOST by leaving a review below, or read customer reviews before you decide to use SOUTHERNMOST. SOUTHERNMOST
Southernmost Federal Credit Union 1004 Kennedy Dr
http://www.smfcu.net Key West, FL 33040 4019 
SOUTHERNMOST Savings Rates
SOUTHERNMOST Checking Rates
SOUTHERNMOST Auto Loan Rates
SOUTHERNMOST Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for SOUTHERNMOST is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather SOUTHERNMOST rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with SOUTHERNMOST's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
SOUTHERNMOST
Website
http://www.smfcu.net
Address
1004 Kennedy Dr,
Key West, FL 33040 4019
Phone
305-296-6568
Fax
President
Bruce Winegarden
CEO
Gladys Bethel
Full-Time Employees
4
Part-Time Employees
1
Branch Locations
1
ATM Locations
1
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.18%
Return on Assets (ROA)
0.1219%
Return on Equity (ROE)
0.6401%
Non-Performing Loans Ratio (NPL)
0.32%
Total Assets
15,790,493
Total Amount of Shares and Deposits
12,549,938
Total Shares and Deposits < 1 Year
12,549,938
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
516,737
Total Uninsured Shares and Deposits > $250K (F+J)
516,737
Total Insured Shares and Deposits > $250K (item 17 less item K)
12,033,201
Total Interest Expense (Sum of items 6 8)
17,136
Share Certificates
4
Number of Accounts for Share Drafts
459
IRA KEOGH Accounts
2
Number of Accounts for Regular Shares
1,566
Net Income (unless the amount is already included in Undivided Earnings)
10,396
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
1,134,523
Total Liabilities
12,783,284
Source: NCUA — Last Updated 09/30/2025
Customer Reviews
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Add Your Rating and Review for SOUTHERNMOST
Frequently Asked Questions About SOUTHERNMOSTHow many branches does SOUTHERNMOST operate?SOUTHERNMOST currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join SOUTHERNMOST?Yes, to access services at SOUTHERNMOST, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, SOUTHERNMOST does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, SOUTHERNMOST provides members with tools to manage their accounts and build a solid financial history. Does SOUTHERNMOST offer online and mobile banking?Most modern institutions like SOUTHERNMOST provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: http://www.smfcu.net. Compare to Other Credit Unions
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