Hours:  Monday, Tuesday, Thursday 8:30-5:00          Wednesday 12:00 - 5:00          Friday  9:00-6:00



Federal Credit Union

1004 Kennedy Dr.

Key West, FL 33040

(305) 296-6568

Fax (305) 296-7341

Toll-Free (800) 794-8756


Welcome to Southernmost Federal Credit Unions online site!

We at Southernmost Federal Credit Union realize how busy our customers are and how valuable your time is.  Realizing this, we are striving to make your banking needs easier.  Sign up today, it's FREE!  Once you have signed up anywhere you have an internet connection. you will have quick, secure, real-time access to your accounts...24hours a day 7 days a week!

With SMFCU online banking you can conveniently access:

bulletUp-to-the minute balances on all your credit union accounts.
bulletVerify when checks clear
bulletTransfer funds and make CU payments in real time

Sign up today!  How?

Online App

Simply click on our link, complete the application and you will soon be banking from home!  When your application is received via our secure server a representative from member services will contact you to complete your request!

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Important Information about Southernmost Federal Credit Union


Board of Directors


Credit Union Staff



SMFCU Online Banking



ALERT! Non-Business Hours:
In the event of lost/stolen Visa Debit Card please contact

Great News!!

VISA Debit Cards
Are Here!

New ATM machine at Kennedy Dr. location

Copyright 2004 Southernmost Federal Credit Union.  |  Privacy Policy  |  Site Map  |  Contact Us


Federally Insured by NCUA
to at least $250,000


To assist members in accessing information not maintained on this site, the credit union provides links to other Internet addresses. Be advised that: 1) by clicking on any link to other Internet addresses, you are leaving the credit unions web site; 2) you are linking to an alternate web site not operated by the credit union; 3) the credit union is not responsible for the content of the alternate web site; 4) the credit union does not represent either the third party or the member if the two enter into a transaction; and 5) privacy and security policies may differ from those practiced by the Credit Union