SMW Financial Credit Union Rates and Review January 2026
Compare SMW Financial Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of SMW Financial Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates. Rate Updates and AvailabilitySMW 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 CD rates or 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. Overall, SMW Financial Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs Avg
"N/A" indicates the product is not offered or the rate is unavailable. CD & Savings Rate ComparisonShow More
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
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Credit Card Rate ComparisonAchieva Mastercard Credit Card
12.490% - 25.490%
12.49% to 25.49% when you open your account, based on your creditworthiness.
Visa or MasterCard
9.990%
Credit Line $500-$7,000
Acadia Visa Credit Card
10.900%
No annual fee
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The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed. Personal Loan Rate ComparisonTerm Line of Credit 84 months
8.000%
$0
Student Loan Consolidation
5.490%
$0
Line of Credit Variable
16.740%
$0
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The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed. Our apologies, we do not have SMW Financial Credit Union rate data right now. Credit Union Profile & OverviewCredit Union Name: SMW Financial Credit Union
Website: https://www.smwfcu.com
Full Time Employees: 15Part Time Employees: 0 President: Michael Day CEO: Erin McNamara Branch Locations: 2 ATM Locations: 1 Corporate Office Address:
700 Apollo Dr
Lino Lakes, MN 55014 3035 Phone Number: 651-747-1500 Fax Number: 651-747-1559 FinancialsTotal 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
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About SMW Financial Credit UnionIs a member application needed to join SMW Financial Credit Union?Yes, to access services at SMW Financial Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, SMW Financial Credit Union provides a range of mortgage and home equity products. Is SMW Financial Credit Union a safe place to deposit money?Yes, SMW Financial Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does SMW Financial Credit Union offer online and mobile banking?Most modern institutions like SMW Financial Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
12-month CD rates can be found at 0.25%, 6-month CD rates at 4.30% and 3-month CD rates at 3.68%. Savings rates are at 0.25% and money market rates are at 0.15%. Mortgage rates on 30-year fixed loans are around 5.61%. Credit Card rates are at 12.90%. Personal Loan rates are at 13.15%. All these rates, and more, can be found in our database of rates which you can compare to 
