Key West, FL 33040


2019 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 9105
Date Established 1954
Assets $15.30 million
Loans $7.57 million
Deposits $12.22 million
Capital $2.93 million

Southernmost is an NCUA insured institution located in Key West, FL. It was founded in 1954 and has approximately $15.3 millions in assets.

Deposit Rates - August 23, 2019

Your Current Location: Virginia, VA 20146

We do not yet have rates for Southernmost

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There are currently no rates available for Southernmost, but see these great savings and CD rates:

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Loan Rates - August 23, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for SOUTHERNMOST

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
3.522% 3.500% 0.25 $675 $1,123 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.240 %
$0 Learn More
More Info

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Below are Southernmost branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Southernmost Locations

Financial Details

Southernmost Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Southernmost. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Southernmost U.S. Average
0.22% 6.77

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 31, 2019, Southernmost had $6,706 in non-current loans and $0 in owned assets. To cover these potential losses it had $2,934,529 in net worth and $76,519 in loans loss reserves. That gives it a Texas Ratio of 0.22%.

Net Worth
Southernmost U.S. Average
19.17% 13.47%

Southernmost FCU has a net worth of 19.17% versus the BestCashCow average of 13.47. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Southernmost

Branches and Savings

What is Southernmost?

A federal credit union, registered with the NCUA under certificate #9105.
Learn more about credit unions here.

Is Southernmost FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Southernmost?

Please see Field of Membership information above for information on who is eligible to join.

What are Southernmost's share account and share certificate rates?

Southernmost's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Southernmost?

Southernmost has total capital of $2.93 million. Full information on Southernmost's financial position is located above.

Who owns Southernmost?

Credit Unions are owned by their members.

Where are Southernmost branches located?

See branch locations nearby.

Are Southernmost ATMs Open 24/7?

Do Southernmost ATMs accept cash deposits?

Can Southernmost customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Southernmost have a mobile app?

Does Southernmost have mobile deposit?

Does Southernmost have quick pay?

How can Southernmost transfer money to other banks or credit unions?

Does Southernmost report to credit bureaus?

Does Southernmost use Chexsystems?

Does Southernmost use Equifax?

What is Southernmost's toll free phone number?

What is Southernmost's ACH Routing Number?

What is Southernmost's SWIFT code?

Where can I find Southernmost's wire transfer form?

What is the Southernmost address for deposits?

What Products Does Southernmost Offer

Does Southernmost offer mortgages?

Compare mortgage rates here.

Does Southernmost offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Southernmost offer auto and RV loans?

Compare auto loan rates here.

Does Southernmost offer student loans or personal loans?

Compare personal loan rates here.

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