What are the current interest rates at SM Federal Credit Union?

Current rates for SM Federal Credit Union include: 12-Month CD: 2.78%, 18-Month CD: 2.27%, 24-Month CD: 3.55%, 60-Month CD: 2.02%

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SM Federal Credit Union

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SM Federal Credit Union Rates & Review October 2026

Q: How many branches does SM Federal Credit Union operate?

SM Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join SM Federal Credit Union?

Yes, to access services at SM Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, SM Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

SM Federal Credit Union's top rates as of October 9, 2026 are 4.06% APY on its IRA CD 6 month, 5.12% on its 1st mortgage, and personal loans from 9.99% APR, according to rates verified by MonitorBankRates. Other SM Federal Credit Union CD rates include IRA CD 2 years at 3.55%, IRA CD 1 year at 2.78%, and IRA CD 18 month at 2.27%. Other SM Federal Credit Union mortgage rates include 1st mortgage at 5.62%, and 1st mortgage at 5.75%. MonitorBankRates evaluates the financial stability of SM Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.76%. Rates last updated and verified on 10/09/2026.

SM Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at SM Federal Credit Union? Share your experience about SM Federal Credit Union by leaving a review below, or read customer reviews before you decide to use SM Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.76%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

SM Federal Credit Union
MAIN OFFICE

6029 BROADMOOR St
MISSION, KS 66202-9995

https://www.smfederal.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

SM Federal Credit Union CD Rates

Product	Rate	APY	Term
IRA Share Certificate 6 month	4.00%	4.06%	6 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 4.06% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.76%
IRA Share Certificate 2 years	3.50%	3.55%	2 years
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 3.55% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.76%
IRA Share Certificate 1 year	2.75%	2.78%	1 year
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 2.78% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.76%
IRA Share Certificate 18 month	2.25%	2.27%	18 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 2.27% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.76%
IRA Share Certificate 3 years	2.00%	2.02%	3 years
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 2.02% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.76%
IRA Share Certificate 4 years	2.00%	2.02%	4 years
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 2.02% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.76%
IRA Share Certificate 5 years	2.00%	2.02%	5 years
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 2.02% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.76%

SM Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
1st mortgage	-	-	5.125%	10 year
Details 20% down Last Updated 10/09/2026 Rate History 1 change since Sep 17, 2026 · 5.00% → 5.13% ▲ 0.13 pts · high 5.13% / low 5.00% Sep 25, 20265.13%▲ from 5.00% Sep 17, 20265.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.76%
1st mortgage	-	-	5.625%	15 year
Details 20% down Last Updated 10/09/2026 Rate History 1 change since Sep 17, 2026 · 5.50% → 5.63% ▲ 0.13 pts · high 5.63% / low 5.50% Sep 21, 20265.63%▲ from 5.50% Sep 17, 20265.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.76%
1st mortgage	-	-	5.75%	15 year
Details 10% down Last Updated 10/09/2026 Rate History 1 change since Sep 17, 2026 · 5.63% → 5.75% ▲ 0.13 pts · high 5.75% / low 5.63% Sep 25, 20265.75%▲ from 5.63% Sep 17, 20265.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.76%

SM Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
2025/2026 Auto/Truck	-	-	5.05%	48 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 5.05% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.76%
2025/2026 Auto/Truck	-	-	5.25%	60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 5.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.76%
2025/2026 Auto/Truck	-	-	5.99%	72 months
Details 72 Month available for loans of $30,000.00 and above. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 5.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.76%
2024 Auto/Truck	-	-	6.29%	60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 6.29% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.76%
2023 Auto/Truck	-	-	6.59%	48 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 6.59% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.76%
2022 Auto/Truck	-	-	6.79%	42 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 6.79% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.76%
2019 Auto/Truck	-	-	7.29%	36 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 7.29% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.76%
2020 Auto/Truck	-	-	7.29%	36 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 7.29% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.76%
2021 Auto/Truck	-	-	7.29%	36 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 7.29% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.76%
2018-2008 Auto/Truck	-	-	7.59%	24 months
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 7.59% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.76%

SM Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	9.99%	2 years
Details Up to $7,500.00 depending on your credit qualification. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.76%

SM Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
IRA Account	3.00%	-	3.03%
Details Compounded daily and credited quarterly Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 3.03% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.76%
Share Account	0.40%	-	0.40%
Min Balance $25 Details Balance: $25.00 - $9,999.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.76%
Share Account	0.50%	-	0.50%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.76%
Share Account	0.80%	-	0.80%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.80% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.76%
Share Account	1.00%	-	1.00%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.76%
Share Account	1.20%	-	1.21%
Min Balance $100,000 Details Balance: $100,000.00 - above Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.21% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.76%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

SM Federal Credit Union’s Texas Ratio rose from 0.00% in Q3 2023 to 0.76% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$77M	0.76%	5.0	A+
March 31, 2026	$78M	0.00%	5.0	A+
December 31, 2025	$77M	0.00%	5.0	A+
September 30, 2025	$78M	3.02%	5.0	A+
June 30, 2025	$77M	3.12%	5.0	A+
March 31, 2025	$78M	3.35%	5.0	A+
December 31, 2024	$78M	3.33%	5.0	A+
September 30, 2024	$78M	3.21%	5.0	A+
June 30, 2024	$75M	3.15%	5.0	A+
March 31, 2024	$76M	3.16%	5.0	A+
December 31, 2023	$76M	0.00%	5.0	A+
September 30, 2023	$75M	0.00%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for SM Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather SM Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with SM Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name SM Federal Credit Union

Website https://www.smfederal.org

Address 6029 BROADMOOR St, MISSION, KS 66202-9995

Phone 913-831-4555

Fax 913-831-0495

President Jerry Fennesy

CEO LISA WALL

Full-Time Employees 3

Part-Time Employees 1

Branch Locations 2

ATM Locations 0

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.76%

Return on Assets (ROA)

0.6190%

Return on Equity (ROE)

3.0988%

Non-Performing Loans Ratio (NPL)

0.24%

Total Assets

77,197,321

Total Amount of Shares and Deposits

61,412,537

Total Shares and Deposits < 1 Year

58,133,553

Total Shares and Deposits 1 3 Years

3,048,803

Total Shares and Deposits > 3 Years

230,181

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

2,046,299

Total Uninsured Shares and Deposits > $250K (F+J)

2,046,299

Total Insured Shares and Deposits > $250K (item 17 less item K)

59,366,238

Total Interest Expense (Sum of items 6 8)

766,311

Share Certificates

834

Number of Accounts for Share Drafts

192

IRA KEOGH Accounts

219

Number of Accounts for Regular Shares

2,624

All other shares

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

4,271,169

Total Liabilities

61,776,096

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

SM Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
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       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About SM Federal Credit Union

How many branches does SM Federal Credit Union operate?

SM Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join SM Federal Credit Union?

Yes, to access services at SM Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, SM Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, SM Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does SM Federal Credit Union offer online and mobile banking?

Most modern institutions like SM Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.smfederal.org.