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 SMW Financial Credit Union Rates & Review September 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.
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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 and Verified: September 22, 2026
SMW Financial Credit Union's 7 Month CD rates are at 5.00%, 7 Month CD rates are at 3.50%, 13 Month CD rates are at 3.30%, 60 Month CDs of Deposit (CDs) rates are at 2.00%, 48 Month CDs of Deposit (CDs) rates are at 1.90%. SMW Financial Credit Union's savings rates are at 0.02%. SMW Financial Credit Union's money market rates are at 2.00%. SMW Financial Credit Union's RV, Boat and Powersport Loan Rates are as low as 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 0.64%. Rates last updated and verified on 09/22/2026. 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 Money Market 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 RV, Boat and Powersport Loan Rates
SMW Financial Credit Union Personal Loan Rates
SMW Financial Credit Union Other Rates
Financial Health HistorySMW Financial Credit Union’s Texas Ratio fell from 3.35% in Q2 2023 to 0.64% in Q1 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)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
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
14
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+ (100/100)
Texas Ratio
0.64%
Return on Assets (ROA)
0.1438%
Return on Equity (ROE)
1.3228%
Non-Performing Loans Ratio (NPL)
0.12%
Total Assets
92,084,039
Total Amount of Shares and Deposits
82,180,733
Total Shares and Deposits < 1 Year
81,173,924
Total Shares and Deposits 1 3 Years
903,936
Total Shares and Deposits > 3 Years
102,873
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
5,487,230
Total Uninsured Shares and Deposits > $250K (F+J)
5,487,230
Total Insured Shares and Deposits > $250K (item 17 less item K)
76,693,503
Total Interest Expense (Sum of items 6 8)
239,465
Share Certificates
621
Number of Accounts for Share Drafts
2,764
IRA KEOGH Accounts
80
Number of Accounts for Regular Shares
7,056
All other shares
3
Non Member Deposits
605
Money Market Shares
74
Net Income (unless the amount is already included in Undivided Earnings)
132,425
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)
15,211,683
Total Liabilities
82,403,511
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for SMW Financial Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for SMW Financial Credit Union
Frequently Asked Questions About SMW Financial Credit UnionHow 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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