What are the current interest rates at South Metro Federal Credit Union?

Current rates for South Metro Federal Credit Union include: 12-Month CD: 2.75%, 24-Month CD: 3.75%, 60-Month CD: 3.25%, MMA: 4.00%

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South Metro Federal Credit Union

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South Metro Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, South Metro 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

South Metro Federal Credit Union's top rates as of October 9, 2026 are 4.25% APY on its 13 Month Special CD, 4.00% APY on money market accounts, 0.35% APY on checking, personal loans from 11.79% APR, and credit cards from 10.90% APR, according to rates verified by MonitorBankRates. Other South Metro Federal Credit Union CD rates include 6 Month Special CD at 4.25%, 7 Month Relationship Special CD at 3.85%, and 24 Month CD at 3.75%. MonitorBankRates evaluates the financial stability of South Metro Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.52%. Rates last updated and verified on 10/09/2026.

South Metro 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 South Metro Federal Credit Union? Share your experience about South Metro Federal Credit Union by leaving a review below, or read customer reviews before you decide to use South Metro Federal Credit Union.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.52%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

South Metro Federal Credit Union
MAIN BRANCH

2573 Credit Union Dr
PRIOR LAKE, MN 55372

https://www.southmet.com

Customer Reviews

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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.

South Metro Federal Credit Union CD Rates

Product	Rate	APY	Term
13 Month Special Certificate	4.18%	4.25%	13 Month
Min Deposit $1,000 Details Special rate. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
6 Month Special Certificate	4.18%	4.25%	6 Month
Min Deposit $1,000 Details Special rate. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
7 Month Relationship Special Certificate	3.80%	3.85%	7 Month
Min Deposit $1,000 Details Relationship rate. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
24 Month Certificate	3.70%	3.75%	24 Month
Min Deposit $1,000 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
36 Month Certificate	3.46%	3.50%	36 Month
Min Deposit $1,000 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
7 Month Special Certificate	3.46%	3.50%	7 Month
Min Deposit $1,000 Details Special rate. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
48 Month Certificate	3.21%	3.25%	48 Month
Min Deposit $1,000 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
60 Month Certificate	3.21%	3.25%	60 Month
Min Deposit $1,000 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 3.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
12 Month Certificate	2.72%	2.75%	12 Month
Min Deposit $1,000 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
6 Month Certificate	2.48%	2.50%	6 Month
Min Deposit $1,000 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%

South Metro Federal Credit Union Money Market Rates

Product	Rate	APY
ELITE WEALTH Money Market	3.94%	4.00%
Min Deposit $2,500 Min Balance $500,000 Details Balance: $500,000 and Over Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
ELITE Money Market	3.70%	3.75%
Min Deposit $2,500 Min Balance $500,000 Details Balance: $500,000 and Over Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
ELITE WEALTH Money Market	3.55%	3.60%
Min Deposit $2,500 Min Balance $250,000 Details Balance: Up to $499,999.99 Last Updated 10/09/2026 Rate History No change since Sep 25, 2026 · 3.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
ELITE Money Market	3.46%	3.50%
Min Deposit $2,500 Min Balance $75,000 Details Balance: Up to $499,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
ELITE WEALTH Money Market	3.46%	3.50%
Min Deposit $2,500 Min Balance $75,000 Details Balance: Up to $249,999.99 Last Updated 10/09/2026 Rate History No change since Sep 25, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Regular Money Market	3.16%	3.20%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 and Over Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
ELITE WEALTH Money Market	2.72%	2.75%
Min Deposit $2,500 Min Balance $0 Details Balance: $0 to $74,999.99 Last Updated 10/09/2026 Rate History No change since Sep 25, 2026 · 2.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Regular Money Market	1.89%	1.90%
Min Deposit $2,500 Min Balance $50,000 Details Balance: Up to $99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 25, 2026 · 1.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
ELITE Money Market	1.39%	1.40%
Min Deposit $2,500 Min Balance $0 Details Balance: $0 to $74,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Regular Money Market	1.39%	1.40%
Min Deposit $2,500 Min Balance $25,000 Details Balance: Up to $49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 25, 2026 · 1.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Regular Money Market	1.15%	1.15%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $0 to $24,999.99 Last Updated 10/09/2026 Rate History No change since Sep 25, 2026 · 1.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Regular Money Market	0.05%	0.05%
Min Deposit $2,500 Min Balance $0 Details Balance: $0 to $2,499.99 Last Updated 10/09/2026 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: 4.52%

South Metro Federal Credit Union Checking Rates

Product	Rate	APY
ELITE Checking	0.35%	0.35%
Min Balance $50,000 Details Balance: $50,000 and Over Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
ELITE Checking	0.20%	0.20%
Min Deposit $100 Min Balance $50,000 Details Requires a total relationship of $75,000 (deposits and loans). Balance: $50,000 and Over Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 0.35% → 0.20% ▼ 0.15 pts · high 0.35% / low 0.20% Sep 25, 20260.20%▼ from 0.35% Sep 14, 20260.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
ELITE Checking	0.20%	0.20%
Min Balance $0 Details Balance: Up to $49,999.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 0.05% → 0.20% ▲ 0.15 pts · high 0.20% / low 0.05% Sep 25, 20260.20%▲ from 0.05% Sep 14, 20260.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
ELITE Checking	0.10%	0.10%
Min Deposit $100 Min Balance $0 Details Requires a total relationship of $75,000 (deposits and loans). Balance: $0 to $2,499.99 Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 0.05% → 0.10% ▲ 0.05 pts · high 0.10% / low 0.01% Oct 9, 20260.10%▲ from 0.01% Sep 25, 20260.01%▼ from 0.05% Sep 14, 20260.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Classic and Masters Checking	0.05%	0.05%
Min Deposit $100 Min Balance $100 Last Updated 10/09/2026 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: 4.52%
ELITE Checking	0.05%	0.05%
Min Deposit $100 Min Balance $0 Details Requires a total relationship of $75,000 (deposits and loans). Balance: $0 to $2,499.99 Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 0.05% → 0.05% ▼ 0.00 pts · high 0.05% / low 0.01% Oct 9, 20260.05%▲ from 0.01% Sep 25, 20260.01%▼ from 0.05% Sep 14, 20260.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
ELITE Checking	0.01%	0.01%
Min Deposit $100 Min Balance $0 Details Requires a total relationship of $75,000 (deposits and loans). Balance: $0 to $2,499.99 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 0.05% → 0.01% ▼ 0.04 pts · high 0.05% / low 0.01% Sep 25, 20260.01%▼ from 0.05% Sep 14, 20260.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%

South Metro Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Platinum Preferred	-	-	10.90%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 25, 2026 · 10.90% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%

South Metro Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR
New Auto Loan	-	-	4.74%
Details As Low As; New Last Updated 10/09/2026 Rate History No change since Sep 25, 2026 · 4.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Used Auto Loan	-	-	4.74%
Details As Low As; Used Last Updated 10/09/2026 Rate History No change since Sep 25, 2026 · 4.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%

South Metro Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
New RV Loan	-	5.49%
Details As Low As; New Last Updated 10/09/2026 Rate History No change since Sep 25, 2026 · 5.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Used RV Loan	-	5.49%
Details As Low As; Used Last Updated 10/09/2026 Rate History No change since Sep 25, 2026 · 5.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Jet Ski, Fish House, ATV, Snowmobile, Dirt Bike, etc. - New Loan	-	6.99%
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 25, 2026 · 6.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Jet Ski, Fish House, ATV, Snowmobile, Dirt Bike, etc. - Used Loan	-	6.99%
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 25, 2026 · 6.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%

South Metro Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
VISA Card	-	10.90%
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 10.90% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%

South Metro Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	11.79%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 25, 2026 · 11.79% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%

South Metro Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Home Improvement Loan	-	-	8.79%
Last Updated 10/09/2026 Rate History No change since Sep 25, 2026 · 8.79% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Line of Credit	-	-	12.30%
Last Updated 10/09/2026 Rate History No change since Sep 25, 2026 · 12.30% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.52%
Primary Share	0.05%	-	0.05%
Min Deposit $5 Min Balance $100 Details Membership Required. Last Updated 10/09/2026 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: 4.52%

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

South Metro Federal Credit Union’s Texas Ratio stayed near 4.12% in Q3 2023 to 4.52% 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	$185M	4.52%	5.0	A+
March 31, 2026	$183M	1.75%	5.0	A+
December 31, 2025	$182M	2.93%	5.0	A+
September 30, 2025	$170M	2.84%	5.0	A+
June 30, 2025	$174M	5.39%	5.0	A+
March 31, 2025	$169M	3.70%	5.0	A+
December 31, 2024	$167M	3.01%	5.0	A+
September 30, 2024	$180M	2.60%	5.0	A+
June 30, 2024	$178M	1.91%	5.0	A+
March 31, 2024	$174M	5.10%	5.0	A+
December 31, 2023	$170M	4.49%	5.0	A+
September 30, 2023	$169M	4.12%	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 South Metro 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 South Metro 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 South Metro Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name South Metro Federal Credit Union

Website https://www.southmet.com

Address 2573 Credit Union Dr, PRIOR LAKE, MN 55372

Phone 952-445-0888

Fax 952-445-6487

President B Don Crofut

CEO Kent Engler

Full-Time Employees 39

Part-Time Employees 0

Branch Locations 2

ATM Locations 2

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.52%

Return on Assets (ROA)

0.0215%

Return on Equity (ROE)

0.2659%

Non-Performing Loans Ratio (NPL)

0.50%

Total Assets

184,827,814

Total Amount of Shares and Deposits

173,291,956

Total Shares and Deposits < 1 Year

169,080,694

Total Shares and Deposits 1 3 Years

3,813,104

Total Shares and Deposits > 3 Years

398,158

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

68,170,300

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

68,170,300

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

105,121,656

Total Interest Expense (Sum of items 6 8)

1,025,766

Share Certificates

631

Number of Accounts for Share Drafts

3,943

IRA KEOGH Accounts

Number of Accounts for Regular Shares

6,338

Non Member Deposits

Money Market Shares

141

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)

11,628,331

Total Liabilities

173,703,407

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

South Metro Federal Credit Union earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About South Metro Federal Credit Union

How many branches does South Metro Federal Credit Union operate?

South Metro 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 South Metro Federal Credit Union?

Yes, to access services at South Metro 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, South Metro 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, South Metro Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does South Metro Federal Credit Union offer online and mobile banking?

Most modern institutions like South Metro 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.southmet.com.

Current South Metro Federal Credit Union Rates

12-Month CD2.75%
24-Month CD3.75%
60-Month CD3.25%
MMA4.00%

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

Compare to Other Credit Unions

South Metro Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

South Metro Federal Credit Union Texas Ratio

South Metro Federal Credit Union Health Trend

South Metro Federal Credit Union CD Rates

South Metro Federal Credit Union Money Market Rates

South Metro Federal Credit Union Checking Rates

South Metro Federal Credit Union Home Equity & HELOC

South Metro Federal Credit Union Auto Loan Rates

South Metro Federal Credit Union RV, Boat and Powersport Loan Rates

South Metro Federal Credit Union Credit Card Rates

South Metro Federal Credit Union Personal Loan Rates

South Metro Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

South Metro Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About South Metro Federal Credit Union

How many branches does South Metro Federal Credit Union operate?

Is a member application needed to join South Metro Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does South Metro Federal Credit Union offer online and mobile banking?

Current South Metro Federal Credit Union Rates

Compare to Other Credit Unions