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Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 SMW Financial Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 19, 2026
SMW Financial Credit Union's 5 month CD Specials rates are at 5.00%, 5 month Youth CD Special rates are at 5.00%, 7 Month CD Special rates are at 3.50%, 7 month CD Specials rates are at 3.50%, 13 Month CD Specials rates are at 3.30%. SMW Financial Credit Union's savings rates are at 0.00%. SMW Financial Credit Union's Personal Loan Rates are at 5.44%. MonitorBankRates evaluates the financial stability of SMW Financial Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.04%. Rates were last updated on 04/19/2026. SMW Financial 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 SMW Financial Credit Union? Share your experience about SMW Financial Credit Union by leaving a review below, or read customer reviews before you decide to use SMW Financial Credit Union. 
SMW Financial Credit Union CD Rates
SMW Financial Credit Union Savings Rates
SMW Financial Credit Union Checking Rates
SMW Financial Credit Union Home Equity & HELOC
SMW Financial Credit Union Auto Loan Rates
SMW Financial Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for SMW Financial 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 SMW Financial 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 SMW Financial Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
SMW Financial Credit Union
Website
https://www.smwfcu.com
Address
700 Apollo Dr,
Lino Lakes, MN 55014 3035
Phone
651-747-1500
Fax
651-747-1559
President
Michael Day
CEO
Erin McNamara
Full-Time Employees
15
Part-Time Employees
0
Branch Locations
2
ATM Locations
1
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.04%
Return on Assets (ROA)
0.3678%
Return on Equity (ROE)
3.3785%
Non-Performing Loans Ratio (NPL)
0.19%
Total Assets
89,879,275
Total Amount of Shares and Deposits
80,227,621
Total Shares and Deposits < 1 Year
79,364,444
Total Shares and Deposits 1 3 Years
759,632
Total Shares and Deposits > 3 Years
103,545
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
4,528,085
Total Uninsured Shares and Deposits > $250K (F+J)
4,528,085
Total Insured Shares and Deposits > $250K (item 17 less item K)
75,699,536
Total Interest Expense (Sum of items 6 8)
785,292
Share Certificates
649
Number of Accounts for Share Drafts
2,813
IRA KEOGH Accounts
81
Number of Accounts for Regular Shares
7,059
All other shares
3
Non Member Deposits
649
Money Market Shares
77
Net Income (unless the amount is already included in Undivided Earnings)
330,597
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
12,349,046
Total Liabilities
80,409,307
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About SMW Financial Credit UnionIs SMW Financial Credit Union a safe place to deposit money?Yes, SMW Financial Credit Union is considered a safe financial institution. With a Texas Ratio of 1.0382002634769%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does SMW Financial Credit Union operate?SMW Financial 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 SMW Financial Credit Union?Yes, to access services at SMW Financial 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, SMW Financial 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, SMW Financial Credit Union provides members with tools to manage their accounts and build a solid financial history. Does SMW Financial Credit Union offer online and mobile banking?Most modern institutions like SMW Financial 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.smwfcu.com. Current SMW Financial Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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