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Federal Credit Union

1004 Kennedy Dr.

Key West, FL 33040

(305) 296-6568

Fax (305) 296-7341

Toll-Free (800) 794-8756


Loans                                                                              Loan Rates

Thinking of making a purchase and need money?  Southernmost Federal Credit Union offers a variety of loan programs to meet your individual needs.  Your loan payments can be made by automatic account deduction or coupon repayment.

Bankruptcy keeping you from getting a loan?  Check with us.  You may qualify for a loan with us at a slightly higher interest rate...giving you an opportunity to re-establish your credit worthiness.

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Signature Loans                                               

Tired of running up your credit cards and paying enormous interest rates for your purchases.  A Signature loan may be a cost-effective alternative to credit cards.  Your Credit Union offers member loans with a programs that  fulfill everyone's needs.

Signature loans are an excellent product to introduce young people to properly utilizing credit.  It is also a better alternative for people who have difficulty managing credit cards.  Signature loans can offer members loans as low as $500 up to $5,000.

Whatever your personal needs may be, a Southernmost Federal Credit Union, low interest, signature loan may be a wise choice for you.  Apply online today!

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Share Secured Loan

Do you have imperfect credit and need to borrow money, desire to re-establish your credit and/or want to get the lowest possible rate for a loan?  A Share Secured Loan may be the solution for you. Share Secured Loans utilize your savings account as collateral.  The rates are low and the terms are flexible - apply online today!

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Vehicle Loan

We can save you money on your next vehicle purchase, New or Used, with our low interest rates and flexible terms.  Apply online for a pre-approved loan before you visit any dealer to purchase your new auto, motorcycle or RV.  Our loan department will help you have all the information you need before you start negotiating your purchase...so you get the best price possible!

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Line of Credit

Line of Credit is an option for an emergency fund or overdraft protection.  Apply online, (qualifications do apply) once your application is approved the line of credit will be available to you. If a check exceeds the balance in your Share Draft  account,  the overdraft protection will attempt to take the funds from you savings account to cover the balance.  If there is not enough money in your savings, then the money will be transferred from your line of credit in $10.00 increments. A Southernmost Federal Credit Union Line of Credit will give provide you a safety net from NSF charges, plus peace of mind as it can also be a source of instant money in case of an emergency.

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Recreational Loans

Loans for recreational items such as boats, travel trailers, new and used motorcycles are available.






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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