--- title: "Southernmost Credit Union Rates (Nov 2026): CDs to 0.05%" description: "Southernmost Credit Union rates today: savings & CDs up to 0.05% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Southernmost Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/florida/southernmost" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Southernmost Credit Union Rates (Nov 2026): CDs to 0.05% ### Auto & vehicle rates 4 offers | Product | Published | Rate | Term / condition | Status | | **New RV Loan** rv_new | — APR | 3.500% | new | Standard | | **Used Auto Loan** auto_used | — APR | 3.500% | used | Standard | | **New Automobile - 100% Financing** auto_new | — APR | 4.000% | new | Context only | | **Used RV Loan** rv_used | — APR | 5.000% | used | Standard | Southernmost Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **36-Month Signature Loan** personal_unsecured_36mo | — APR | 6.000% | 36 mo | Standard | Southernmost Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Credit Card** credit_card | — APR | 15.900% | — | Standard | Southernmost Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 3 offers | Product | Published | Rate | Term / condition | Status | | **REGULAR SHARES ACCOUNT** savings | 0.05% APY | 0.05% | — | Standard | | **SHARE DRAFT (CHECKING) ACCOUNT** checking | — APY | 0.05% | — | Standard | | **IRA** ira | 0.05% APY | 0.05% | — | Standard | Southernmost Credit Union savings & cd rates as of November 12, 2026 Savings and certificate yields up to 0.05% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/florida/southernmost) , verified from [Southernmost Credit Union's official website](https://smfcu.net/) Loading branch locator… ## About Southernmost Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 1.2K Assets $16.7M Founded 1954 Locations reported 1 NCUA charter 9105 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Electronic statements - Financial counseling - Bilingual services Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Keys** Southard Street · Key West · FL · 33040 About 7.6 miles away](https://rateapi.dev/credit-unions/florida/keys) [**Monroe County Teachers** Monroe County Teachers FCU · Key West · FL · 33040 About 9.8 miles away](https://rateapi.dev/credit-unions/florida/monroe-county-teachers) [**Achieva Credit Union** Hammock Cove · Naples · FL · 34112-6725 About 108.6 miles away](https://rateapi.dev/credit-unions/florida/achieva-credit-union) [**Lake Michigan** Collier · Naples · FL · 34114 About 109.5 miles away](https://rateapi.dev/credit-unions/michigan/lake-michigan) [**Space Coast** Space Coast Credit Union - Homestead · Homestead · FL · 33033-5391 About 112.4 miles away](https://rateapi.dev/credit-unions/florida/space-coast) [**Dade County** Homestead Branch · Homestead · FL · 33033 About 112.6 miles away](https://rateapi.dev/credit-unions/florida/dade-county) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Southernmost Credit Union Membership eligibility from Southernmost Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Southernmost Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer 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, NAS Crash Crew Verified from [Southernmost Credit Union's membership page](https://smfcu.net/join) . Final membership determination is always made by the credit union. ## Membership rules for Southernmost Credit Union Employers 12 12 published paths to membership, last verified November 8, 2026, quoted from Southernmost Credit Union’s own published criteria. ### Employers 12 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Employee of Local States Attorneys Office “employees of: Local States Attorneys Office” > [source ↗](https://smfcu.net/membership-application) - Employee of Local States Attorneys Office - Employee of Monroe County Board of Commissioners and Staff “Monroe County Board of Commissioners and Staff” > [source ↗](https://smfcu.net/membership-application) - Employee of Monroe County Board of Commissioners and Staff - Employee of NAS Crash Crew “NAS Crash Crew” > [source ↗](https://smfcu.net/membership-application) - Employee of NAS Crash Crew - Employee of City of Key West “City of Key West” > [source ↗](https://smfcu.net/membership-application) - Employee of City of Key West - Employee of County of Monroe “County of Monroe” > [source ↗](https://smfcu.net/membership-application) - Employee of County of Monroe - Employee of Florida Keys Aqueduct Authority “Florida Keys Aqueduct Authority” > [source ↗](https://smfcu.net/membership-application) - Employee of Florida Keys Aqueduct Authority - Employee of Keys Energy Service “Keys Energy Service” > [source ↗](https://smfcu.net/membership-application) - Employee of Keys Energy Service - Employee of Lower Keys Medical Center “Lower Keys Medical Center” > [source ↗](https://smfcu.net/membership-application) - Employee of Lower Keys Medical Center - Employee of Monroe County Mosquito Control “Monroe County Mosquito Control” > [source ↗](https://smfcu.net/membership-application) - Employee of Monroe County Mosquito Control - Employee of Florida Keys Community College “Florida Keys Community College” > [source ↗](https://smfcu.net/join) - Employee of Florida Keys Community College - Employee of Loyal Order of Moose Lodge “Loyal Order of Moose Lodge” > [source ↗](https://smfcu.net/join) - Employee of Loyal Order of Moose Lodge - Employee of Key West Power Squadron “Key West Power Squadron” > [source ↗](https://smfcu.net/join) - Employee of Key West Power Squadron Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Southernmost Credit Union? Yes No ## Work at Southernmost Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Southernmost Credit Union ranks against Florida peers. - See which AI assistants fetched Southernmost Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Florida - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=southernmost&state=florida&code=FL&name=Southernmost%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Southernmost Credit Union offer? Southernmost Credit Union currently offers vehicle loan, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Southernmost Credit Union rates updated? RateAPI verifies Southernmost Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Southernmost Credit Union's rate data? Rate data is collected directly from Southernmost Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Southernmost Credit Union's best CD rate? As of November 12, 2026, Southernmost Credit Union offers savings and certificate (CD) yields up to 0.05% APY. ### Who can join Southernmost Credit Union? Southernmost Credit Union publishes its membership criteria on its own website. RateAPI tracks 12 published membership paths covering 12 employers for Southernmost Credit Union, each quoted from Southernmost Credit Union's own published membership criteria. ## Related Rate Data Compare Southernmost Credit Union's rates against national credit-union benchmarks. [More Florida credit unions](https://rateapi.dev/credit-unions/florida) [Florida auto loan rate leaders](https://rateapi.dev/auto-loan-rates/florida) [Florida personal loan leaders](https://rateapi.dev/personal-loan-rates/florida) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://smfcu.net/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Southernmost Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Florida credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Southernmost Credit Union curl "https://api.rateapi.dev/credit-unions/florida /southernmost " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Southernmost Credit Union locations Search, filter, and browse all 1 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/florida/southernmost Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp