Membership Information

To join Southernmost Federal Credit Union, you must be in our field of membership, which includes employees of:

  • City of Key West
  • County of Monroe
  • Florida Keys Aqueduct Authority
  • Keys Energy Service
  • Lower Keys Medical Center
  • Florida Keys Community College
  • Monroe County Mosquito Control
  • Local States Attorneys Office
  • Loyal Order of Moose Lodge
  • Key West Power Squadron
  • Monroe County Board of Commissioners and Staff
  • Credit Union Employees
  • NAS Crash Crew


You become an owner of the credit union with your membership. Because of the cooperative effort of all members, your credit union offers several advantages over other costly financial institutions. Your membership is effective as long as you maintain a $5 minimum Share Account balance. Even if you change employers, you will still be eligible for membership. A Share Account, representing shares of ownership, is your primary credit union savings account and is opened with your membership.

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