What are the current interest rates at SMW Financial Credit Union?

Current rates for SMW Financial Credit Union include: 12-Month CD: 1.30%, 18-Month CD: 0.05%, 24-Month CD: 1.55%, 60-Month CD: 2.00%, Savings: 0.05%, MMA: 2.75%

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SMW Financial Credit Union

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SMW Financial Credit Union Rates & Review October 2026

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 10, 2026

SMW Financial Credit Union's top rates as of October 10, 2026 are 3.50% APY on its 7 month CD Special, 0.05% APY on savings, 2.75% APY on money market accounts, 4.50% APY on checking, 4.88% on its RAPID REFI MORTGAGE, and rv, boat and powersport loans from 5.44% APR, according to rates verified by MonitorBankRates. Other SMW Financial Credit Union CD rates include 13 Month CD Special at 3.30%, 60 Month CDs of Deposit (CDs) at 2.00%, and 48 Month CDs of Deposit (CDs) at 1.90%. 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 0.07%. Rates last updated and verified on 10/10/2026.

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.

Ranked #28 Healthiest 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

0.07%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

SMW Financial Credit Union
Lino Lakes

700 Apollo Dr
Lino Lakes, MN 55014-3035

https://www.smwfcu.com

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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.

SMW Financial Credit Union CD Rates

Product	Rate	APY	Term
7 month CD Special	3.45%	3.50%	7 Months
No additional details. Last Updated 10/10/2026 Rate History 1 change since Sep 18, 2026 · 5.00% → 3.50% ▼ 1.50 pts · high 5.00% / low 3.50% Oct 10, 20263.50%▼ from 5.00% Sep 18, 20265.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
13 Month CD Special	3.25%	3.30%	13 Month
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
60 Month Certificates of Deposit (CDs)	1.98%	2.00%	60 Month
Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
60 Month Certificates of Deposit (CDs)	1.98%	2.00%	60 Month
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
60 Month Certificates of Deposit (CDs)	1.98%	2.00%	60 Month
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
60 Month Certificates of Deposit (CDs)	1.98%	2.00%	60 Month
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
48 Month Certificates of Deposit (CDs)	1.88%	1.90%	48 Month
Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 1.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
48 Month Certificates of Deposit (CDs)	1.88%	1.90%	48 Month
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 1.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
48 Month Certificates of Deposit (CDs)	1.88%	1.90%	48 Month
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 1.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
48 Month Certificates of Deposit (CDs)	1.88%	1.90%	48 Month
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 1.90% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
36 Month Certificates of Deposit (CDs)	1.59%	1.60%	36 Month
Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 1.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
36 Month Certificates of Deposit (CDs)	1.59%	1.60%	36 Month
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 1.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
36 Month Certificates of Deposit (CDs)	1.59%	1.60%	36 Month
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 1.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
36 Month Certificates of Deposit (CDs)	1.59%	1.60%	36 Month
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 1.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
24 Month Certificates of Deposit (CDs)	1.54%	1.55%	24 Month
Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 1.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
24 Month Certificates of Deposit (CDs)	1.54%	1.55%	24 Month
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 1.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
24 Month Certificates of Deposit (CDs)	1.54%	1.55%	24 Month
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 1.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
24 Month Certificates of Deposit (CDs)	1.54%	1.55%	24 Month
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 1.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
30 Month Certificates of Deposit (CDs)	1.39%	1.40%	30 Month
Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 1.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
30 Month Certificates of Deposit (CDs)	1.39%	1.40%	30 Month
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 1.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
30 Month Certificates of Deposit (CDs)	1.39%	1.40%	30 Month
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 1.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
30 Month Certificates of Deposit (CDs)	1.39%	1.40%	30 Month
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 1.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
12 Month Certificates of Deposit (CDs)	1.29%	1.30%	12 Month
Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 1.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
12 Month Certificates of Deposit (CDs)	1.29%	1.30%	12 Month
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 1.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
12 Month Certificates of Deposit (CDs)	1.29%	1.30%	12 Month
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 1.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
12 Month Certificates of Deposit (CDs)	1.29%	1.30%	12 Month
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 1.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
6 Month Certificates of Deposit (CDs)	1.00%	1.00%	6 Month
Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
6 Month Certificates of Deposit (CDs)	1.00%	1.00%	6 Month
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
6 Month Certificates of Deposit (CDs)	1.00%	1.00%	6 Month
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
6 Month Certificates of Deposit (CDs)	1.00%	1.00%	6 Month
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
49 Month Wealth Builder CD	0.50%	0.50%	49 Month
Min Deposit $25 Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
49 Month Wealth Builder CD	0.45%	0.45%	49 Month
Min Deposit $25 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
49 Month Wealth Builder CD	0.40%	0.40%	49 Month
Min Deposit $25 Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
29 Month Wealth Builder CD	0.30%	0.30%	29 Month
Min Deposit $25 Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
19 Month Wealth Builder CD	0.25%	0.25%	19 Month
Min Deposit $25 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
19 Month Wealth Builder CD	0.25%	0.25%	19 Month
Min Deposit $25 Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
29 Month Wealth Builder CD	0.25%	0.25%	29 Month
Min Deposit $25 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
49 Month Wealth Builder CD	0.25%	0.25%	49 Month
Min Deposit $25 Min Balance $25 Details Balance: $25 - $9,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
29 Month Wealth Builder CD	0.20%	0.20%	29 Month
Min Deposit $25 Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
29 Month Wealth Builder CD	0.15%	0.15%	29 Month
Min Deposit $25 Min Balance $25 Details Balance: $25 - $9,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
19 Month Wealth Builder CD	0.10%	0.10%	19 Month
Min Deposit $25 Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
19 Month Wealth Builder CD	0.05%	0.05%	19 Month
Min Deposit $25 Min Balance $25 Details Balance: $25 - $9,999.99 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%

SMW Financial Credit Union Savings Rates

Product	Rate	APY
Holiday Savings	0.05%	0.05%
Min Balance $5 Details Balance: $5 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
Holiday Savings	0.05%	0.05%
Min Balance $0 Details Balance: $0 - $2,499.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
Holiday Savings	0.05%	0.05%
Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
Holiday Savings	0.05%	0.05%
Min Balance $10,000 Details Balance: $10,000+ Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
IRA Share Savings	0.05%	0.05%
Min Balance $0 Details Balance: $0 - $9,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
IRA Share Savings	0.05%	0.05%
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
IRA Share Savings	0.05%	0.05%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
IRA Share Savings	0.05%	0.05%
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
Share Savings	0.02%	0.02%
Min Balance $250 Details Balance: $250 - $9,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
Share Savings	0.02%	0.02%
Min Balance $10,000 Details Balance: $10,000+ Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%

SMW Financial Credit Union Money Market Rates

Product	Rate	APY
Wealth Builder Venture Money Market	2.72%	2.75%
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
Wealth Builder Money Market	2.47%	2.50%
Min Balance $50,000 Details Balance: $50,000+ Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
Wealth Builder Venture Money Market	2.47%	2.50%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
Wealth Builder Money Market	2.23%	2.25%
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
Wealth Builder Venture Money Market	2.23%	2.25%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
Wealth Builder Money Market	1.98%	2.00%
Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%

SMW Financial Credit Union Checking Rates

Product	Rate	APY
Rewards Checking	4.41%	4.50%
Min Deposit $100 Min Balance $0 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0 - $20,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.00% → 4.50% ▲ 1.50 pts · high 4.50% / low 3.00% Sep 22, 20264.50%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
Rewards Checking	-	4.50%
Min Deposit $100 Min Balance $20,000 Details Qualifications Required: fifteen (15) debit card transactions of at least $3 that post and clear your account each month; at least $1,000 in direct deposit/ACH credits posted during each calendar month; member must be signed up for eStatements; 4.50% APY applies to balances $0.01 - $20,000 that have met account qualifications. Offer available from now until June 30, 2026. Eligible account type to receive $100 at the time of opening is a Reward checking account with eStatements, online banking, and debit card. Member is eligible for an additional $150 deposit into the new checking account after meeting the monthly qualifications at at least once within the first three months after account opening. Existing members do not qualify for this offer. Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 0.05% → 4.50% ▲ 4.45 pts · high 4.50% / low 0.05% Sep 27, 20264.50%▲ from 0.05% Sep 14, 20260.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
Rewards Checking	-	4.50%
Min Deposit $100 Min Balance $0 Details Qualifications Required: Fifteen (15) debit card transactions of at least $3 that post and clear your account each month; at least $1,000 in direct deposit/ACH credits posted during each calendar month; member must be signed up for eStatements.; All balances will earn 0.05% to 4.50% APY if monthly qualifications are met. Qualifying balance up to $20,000.00. Rate effective September 1, 2025. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
Rewards Checking	2.96%	3.00%
Min Balance $0 Details Balance: $0 - $25,000.00 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
Rewards Checking	0.75%	0.75%
Min Balance $25,000 Details Balance: $25,000.01 + Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
Rewards Checking	0.05%	0.05%
Min Deposit $100 Min Balance $20,000 Details Balance: $20,000+ Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
Rewards Checking	0.02%	0.02%
Min Deposit $100 Details All balances if qualifications not met Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.50% → 0.02% ▼ 4.48 pts · high 4.50% / low 0.02% Sep 22, 20260.02%▼ from 4.50% Sep 14, 20264.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%

SMW Financial Credit Union Mortgage Rates

Product	Rate	Points	APR	Term	View More
RAPID REFI MORTGAGE	4.88%	-	4.88%	15 years
Details Fixed for up to 15 years. First lien position. Actual APR based on balance etc. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 4.88% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%

SMW Financial Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan	-	-	6.39%	5 year
Details Fixed rate. Stated rate is for 5 year term. Other rates and LTV's available. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.39% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
Home Equity Line Of Credit	-	-	7.50%
Details Rate varies with the Wall Street Journal Prime. Maximum rate adjusted plus or minus 2.00% per adjustment period if the WSJ Prime changes. Intro rate not adjusted. At the current HELOC variable APR of 7.50% your payments are just All rates are quoted on approved credit as Annual Percentage Rates (APRs) and may be subject to pricing add-ons related to credit score. APR includes $50 annual fee. Loan approval is subject to credit, income and property valuation. All HELOCs are variable rate loans and rates are subject to change daily and without further notice. The maximum rate ceiling is 18.00%. Loan closing fees and costs range from $200- $2,000. Property insurance is required. Promotion offered for a limited time and may be discontinued at any time without notice. HELOCs available exclusively for primary residences in MN or WI. Equal Housing Lender Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 4.99% → 7.50% ▲ 2.51 pts · high 7.50% / low 4.99% Oct 10, 20267.50%▲ from 4.99% Sep 14, 20264.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
Interest Only Home Equity Line of Credit	-	-	7.75%
Details Variable rate. 80% Loan to Value (LTV). Other rates and LTV's available. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
Home Equity Bridge Loan	-	-	9.49%	5 year
Details Fixed rate. Stated rate is for 5 year term. Other rates and LTV's available. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 9.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%

SMW Financial Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loans	-	-	4.29%
Details As low as; The actual Annual Percentage Rate (APR%) will be based on the collateral, term and credit history of the borrower. A $100 doc prep fee is included in the APR calculations. Rates subject to change at any time. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.29% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
New Auto Loans	4.29%	-	4.29%	2023+ model years
Details No payments for 60 days. Other terms and rates available. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 4.29% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
Used Auto Loans	4.79%	-	4.79%	201 months
Details Term: 2018 - 2022 model years; Other terms and rates available. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 4.79% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%

SMW Financial Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
New & Used Boat, Motor, & Personal Watercraft Loan	5.44%	5.44%	48 month
Details Other terms and rates available. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.44% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
New Motorcycles Loan	5.74%	5.74%	36 month
Details Stated rate is for 36 month term. 2023 - 2026 model years Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
New Snowmobiles, ATVs, & Misc. Collateral Loan	5.74%	5.74%	36 month
Details Other rates and terms available. 2023 - 2026 model years Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
New RV / Motor Homes Loan	5.79%	5.79%	202 months
Details Term: 2022- 2026 model years Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 5.79% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
Used RV / Motor Homes Loan	5.79%	5.79%	201 months
Details Term: 2017 -- 2021 model years Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 5.79% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
Used Motorcycles Loan	6.24%	6.24%	36 month
Details Other rates and terms available. 2018 - 2022 model years Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
Used Snowmobiles, ATVs, and Misc. Collateral Loan	6.25%	6.25%	201 months
Details Term: 2018 - 2022 model years Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 6.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%

SMW Financial Credit Union Personal Loan Rates

Product	APR	Term
New & Used Boat, Motor, & Personal Watercraft Loan	5.44%	48 month
Details Other terms and rates available. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.44% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
Personal Signature	11.29%
Details Condition: Over $2,000. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 11.29% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%

SMW Financial Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Instant Line of Credit	12.99%	-	12.99%	12 months
Details Term: Fixed interest rate (12.99% to 18%) Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 12.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
New Snowmobiles, ATVs, & Misc. Collateral Loan	-	-	5.74%	36 month
Details 36 month term. Other rates and terms available. 2023 - 2026 model years Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
Used Motorcycles Loan	-	-	6.24%	36 month
Details 36 month term. Other rates and terms available. 2018 - 2022 model years Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%

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

SMW Financial Credit Union’s Texas Ratio fell from 1.88% in Q3 2023 to 0.07% in Q2 2026, so its financial health has improved and is now 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; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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	$87M	0.07%	5.0	A+
March 31, 2026	$92M	0.64%	5.0	A+
December 31, 2025	$91M	1.08%	5.0	A+
September 30, 2025	$90M	1.01%	5.0	A+
June 30, 2025	$88M	0.80%	5.0	A+
March 31, 2025	$89M	0.01%	5.0	A+
December 31, 2024	$91M	0.35%	5.0	A+
September 30, 2024	$91M	0.48%	5.0	A+
June 30, 2024	$90M	0.69%	5.0	A+
March 31, 2024	$91M	0.12%	5.0	A+
December 31, 2023	$88M	6.82%	5.0	A
September 30, 2023	$90M	1.88%	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 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 13

Part-Time Employees 0

Branch Locations 2

ATM Locations 1

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

0.07%

Return on Assets (ROA)

0.2218%

Return on Equity (ROE)

1.9262%

Non-Performing Loans Ratio (NPL)

0.01%

Total Assets

87,478,639

Total Amount of Shares and Deposits

77,590,526

Total Shares and Deposits < 1 Year

76,889,897

Total Shares and Deposits 1 3 Years

583,000

Total Shares and Deposits > 3 Years

117,625

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

3,989,895

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

3,989,895

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

73,600,631

Total Interest Expense (Sum of items 6 8)

478,927

Share Certificates

602

Number of Accounts for Share Drafts

2,764

IRA KEOGH Accounts

Number of Accounts for Regular Shares

7,036

All other shares

Non Member Deposits

614

Money Market Shares

Net Income (unless the amount is already included in Undivided Earnings)

194,014

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)

6,793,347

Total Liabilities

77,754,782

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

SMW Financial Credit Union earned the Top 100 Healthiest 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.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-s-2026-q2.svg"
       alt="Ranked #28 in MonitorBankRates Top 100 Healthiest Small Credit Unions Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page, or view the full Top 100 Healthiest Small Credit Unions Q2 2026 ranking.

Customer Reviews

There are no reviews for SMW Financial Credit Union yet. Feel free to create one below.

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About SMW Financial Credit Union

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

12-Month CD1.30%
18-Month CD0.05%
24-Month CD1.55%
60-Month CD2.00%
Savings0.05%
MMA2.75%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

SMW Financial Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

SMW Financial Credit Union Texas Ratio

SMW Financial Credit Union Health Trend

SMW Financial Credit Union CD Rates

SMW Financial Credit Union Savings Rates

SMW Financial Credit Union Money Market Rates

SMW Financial Credit Union Checking Rates

SMW Financial Credit Union Mortgage Rates

SMW Financial Credit Union Home Equity & HELOC

SMW Financial Credit Union Auto Loan Rates

SMW Financial Credit Union RV, Boat and Powersport Loan Rates

SMW Financial Credit Union Personal Loan Rates

SMW Financial Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

SMW Financial Credit Union earned the Top 100 Healthiest badge

Customer Reviews

Frequently Asked Questions About SMW Financial Credit Union

How many branches does SMW Financial Credit Union operate?

Is a member application needed to join SMW Financial Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does SMW Financial Credit Union offer online and mobile banking?

Current SMW Financial Credit Union Rates

Compare to Other Credit Unions