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iAdvertiser Disclosure
Advertiser Disclosure
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 SMW 104 Federal 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 18, 2026
SMW 104 Federal Credit Union's Teen CD 12 month rates are at 4.00%, Youth CD 12 month rates are at 4.00%, 6-Month IRA CD of Deposit rates are at 3.50%, 6-Month CD of Deposit rates are at 3.50%, Promotional CD and IRA CD 6 month rates are at 3.50%. SMW 104 Federal Credit Union's savings rates are at 0.01%. SMW 104 Federal Credit Union's money market rates are at 0.14%. SMW 104 Federal Credit Union's Personal Loan Rates are at 9.95%. MonitorBankRates evaluates the financial stability of SMW 104 Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.25%. Rates were last updated on 04/18/2026. SMW 104 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 SMW 104 Federal Credit Union? Share your experience about SMW 104 Federal Credit Union by leaving a review below, or read customer reviews before you decide to use SMW 104 Federal Credit Union. SMW 104 Federal Credit Union
SMW 104 FCU 3156 Constitution Dr
https://www.smw104fcu.org Livermore, CA 94551 7570 
SMW 104 Federal Credit Union CD Rates
SMW 104 Federal Credit Union Savings Rates
SMW 104 Federal Credit Union Money Market Rates
SMW 104 Federal Credit Union Checking Rates
SMW 104 Federal Credit Union Home Equity & HELOC
SMW 104 Federal Credit Union Credit Card Rates
SMW 104 Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for SMW 104 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 SMW 104 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 SMW 104 Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
SMW 104 Federal Credit Union
Website
https://www.smw104fcu.org
Address
3156 Constitution Dr,
Livermore, CA 94551 7570
Phone
510-483-1300
Fax
925-230-5115
President
Kevin Van Buskirk
CEO
Sherry Javad
Full-Time Employees
6
Part-Time Employees
2
Branch Locations
1
ATM Locations
0
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
1.25%
Return on Assets (ROA)
1.2886%
Return on Equity (ROE)
10.8770%
Non-Performing Loans Ratio (NPL)
0.34%
Total Assets
113,855,947
Total Amount of Shares and Deposits
99,518,805
Total Shares and Deposits < 1 Year
91,659,948
Total Shares and Deposits 1 3 Years
7,858,857
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
2,218,137
Total Uninsured Shares and Deposits > $250K (F+J)
2,218,137
Total Insured Shares and Deposits > $250K (item 17 less item K)
97,300,668
Total Interest Expense (Sum of items 6 8)
858,480
Share Certificates
602
Number of Accounts for Share Drafts
7,309
IRA KEOGH Accounts
218
Number of Accounts for Regular Shares
15,387
Money Market Shares
291
Net Income (unless the amount is already included in Undivided Earnings)
1,467,107
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
16,212,854
Total Liabilities
100,912,632
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About SMW 104 Federal Credit UnionIs SMW 104 Federal Credit Union a safe place to deposit money?Yes, SMW 104 Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 1.2456072715411%, 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 104 Federal Credit Union operate?SMW 104 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 SMW 104 Federal Credit Union?Yes, to access services at SMW 104 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, SMW 104 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, SMW 104 Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does SMW 104 Federal Credit Union offer online and mobile banking?Most modern institutions like SMW 104 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.smw104fcu.org. Current SMW 104 Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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