What are the current interest rates at Southwest Financial Federal Credit Union?

Current rates for Southwest Financial Federal Credit Union include: 12-Month CD: 3.35%, 24-Month CD: 2.85%, Savings: 1.75%

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Southwest Financial Federal Credit Union

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Southwest Financial Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Southwest Financial 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

Southwest Financial Federal Credit Union's top rates as of October 9, 2026 are 3.51% APY on its 12 Month CD, 1.75% APY on savings, 0.15% APY on checking, personal loans from 10.99% APR, and credit cards from 8.99% APR, according to rates verified by MonitorBankRates. Other Southwest Financial Federal Credit Union CD rates include 12 Month CD at 3.45%, 12 Month CD at 3.40%, and 12 Month CD at 3.35%. MonitorBankRates evaluates the financial stability of Southwest Financial Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.51%. Rates last updated and verified on 10/09/2026.

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

4.51%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Southwest Financial Federal Credit Union
Main Office

1750 Valley View Ln Ste 110
Farmers Branch, TX 75234-9024

https://swfinancial.org

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.

Southwest Financial Federal Credit Union CD Rates

Product	Rate	APY	Term
12 Month Certificate	-	3.51%	12 month
Min Deposit $100,000 Min Balance $100,000 Details APY: 3.35% for $500; APY: 3.40% for $25,000; APY: 3.45% for $50,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.51% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
12 Month Certificate	-	3.45%	12 month
Min Deposit $50,000 Min Balance $50,000 Details APY: 3.35% for $500; APY: 3.40% for $25,000; APY: 3.51% for $100,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.45% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
12 Month Certificate	-	3.40%	12 month
Min Deposit $25,000 Min Balance $25,000 Details APY: 3.35% for $500; APY: 3.45% for $50,000; APY: 3.51% for $100,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
12 Month Certificate	-	3.35%	12 month
Min Deposit $500 Min Balance $500 Details APY: 3.40% for $25,000; APY: 3.45% for $50,000; APY: 3.51% for $100,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
24 Month Certificate	-	3.00%	24 month
Min Deposit $100,000 Min Balance $100,000 Details APY: 2.85% for $500; APY: 2.90% for $25,000; APY: 2.95% for $50,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
24 Month Certificate	-	2.95%	24 month
Min Deposit $50,000 Min Balance $50,000 Details APY: 2.85% for $500; APY: 2.90% for $25,000; APY: 3.00% for $100,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.95% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
24 Month Certificate	-	2.90%	24 month
Min Deposit $25,000 Min Balance $25,000 Details APY: 2.85% for $500; APY: 2.95% for $50,000; APY: 3.00% for $100,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.90% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
24 Month Certificate	-	2.85%	24 month
Min Deposit $500 Min Balance $500 Details APY: 2.90% for $25,000; APY: 2.95% for $50,000; APY: 3.00% for $100,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.85% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
36 Month Certificate	-	2.50%	36 month
Min Deposit $100,000 Min Balance $100,000 Details APY: 2.36% for $500; APY: 2.40% for $25,000; APY: 2.45% for $50,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
36 Month Certificate	-	2.45%	36 month
Min Deposit $50,000 Min Balance $50,000 Details APY: 2.36% for $500; APY: 2.40% for $25,000; APY: 2.50% for $100,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.45% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
36 Month Certificate	-	2.40%	36 month
Min Deposit $25,000 Min Balance $25,000 Details APY: 2.36% for $500; APY: 2.45% for $50,000; APY: 2.50% for $100,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.40% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
36 Month Certificate	-	2.36%	36 month
Min Deposit $500 Min Balance $500 Details APY: 2.40% for $25,000; APY: 2.45% for $50,000; APY: 2.50% for $100,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.36% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%

Southwest Financial Federal Credit Union Savings Rates

Product	Rate	APY
Maxx Savings	-	1.75%
Min Balance $75,000 Details Balance: $75,000 and over; Maxx Savings is limited to three withdrawals per month. Additional withdrawals may incur a fee per transaction, which could reduce earnings. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 1.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Maxx Savings	-	1.50%
Min Balance $25,000 Details Balance: $25,000 - $74,999.99; Maxx Savings is limited to three withdrawals per month. Additional withdrawals may incur a fee per transaction, which could reduce earnings. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 1.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Maxx Savings	-	1.25%
Min Balance $2,500 Details Balance: $2,500 - $24,999.99; Maxx Savings is limited to three withdrawals per month. Additional withdrawals may incur a fee per transaction, which could reduce earnings. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 1.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Holiday Savings	-	0.25%
Min Balance $25,000 Details Balance: $25,000 and over Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
OMO Savings	-	0.25%
Min Balance $25,000 Details Balance: $25,000 and over Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Primary Savings	-	0.25%
Min Balance $25,000 Details Balance: $25,000 and over Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Secondary Savings	-	0.25%
Min Balance $25,000 Details Balance: $25,000 and over Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Start Smart Savings	-	0.25%
Min Balance $25,000 Details Balance: $25,000 and over Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Holiday Savings	-	0.15%
Min Balance $500 Details Balance: $500 - $24,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
OMO Savings	-	0.15%
Min Balance $25 Details Balance: $25 - $24,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Primary Savings	-	0.15%
Min Balance $500 Details Balance: $500 - $24,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Secondary Savings	-	0.15%
Min Balance $500 Details Balance: $500 - $24,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Start Smart Savings	-	0.15%
Min Balance $25 Details Balance: $25 - $24,999.99 Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%

Southwest Financial Federal Credit Union Checking Rates

Product	Rate	APY	View More
Checking Account	0.15%	0.15%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%

Southwest Financial Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan - First Lien	-	-	5.74%	5 years
Details Loan Amount: over $100,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.74% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Home Equity Loan - First Lien	-	-	5.99%	5 years
Details Loan Amount: less than $100,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.74% → 5.99% ▲ 0.25 pts · high 5.99% / low 5.74% Sep 17, 20265.99%▲ from 5.74% Sep 14, 20265.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Home Equity Loan - First Lien	-	-	5.99%	10 years
Details Loan Amount: over $100,000 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 5.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Home Equity Loan - First Lien	-	-	6.24%	10 years
Details Loan Amount: less than $100,000 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 6.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Home Equity Loan - First Lien	-	-	6.24%	15 years
Details Loan Amount: over $100,000 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 6.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Home Equity Loan - First Lien	-	-	6.49%	15 years
Details Loan Amount: less than $100,000 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 6.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Home Equity Loan - First Lien	-	-	6.49%	20 years
Details Loan Amount: over $100,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.74% → 6.49% ▼ 0.25 pts · high 6.74% / low 6.49% Sep 17, 20266.49%▼ from 6.74% Sep 14, 20266.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Home Equity Loan - First Lien	-	-	6.74%	20 years
Details Loan Amount: less than $100,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.74% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Home Equity Loan - Second Lien	-	-	6.74%	5 years
Details Loan Amount: over $100,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.74% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Home Equity Loan - Second Lien	-	-	6.99%	5 years
Details Loan Amount: less than $100,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.74% → 6.99% ▲ 0.25 pts · high 6.99% / low 6.74% Sep 17, 20266.99%▲ from 6.74% Sep 14, 20266.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Home Equity Loan - Second Lien	-	-	6.99%	10 years
Details Loan Amount: over $100,000 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 6.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Home Equity Loan - Second Lien	-	-	7.24%	10 years
Details Loan Amount: less than $100,000 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 7.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Home Equity Loan - Second Lien	-	-	7.24%	15 years
Details Loan Amount: over $100,000 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 7.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Home Equity Loan - Second Lien	-	-	7.49%	15 years
Details Loan Amount: less than $100,000 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 7.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Home Equity Loan - Second Lien	-	-	7.49%	20 years
Details Loan Amount: over $100,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.74% → 7.49% ▼ 0.25 pts · high 7.74% / low 7.49% Sep 17, 20267.49%▼ from 7.74% Sep 14, 20267.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Home Equity Loan - Second Lien	-	-	7.74%	20 years
Details Loan Amount: less than $100,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.74% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%

Southwest Financial Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto	-	-	4.39%	Up to 72 months
Details As low as* Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.39% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Used Auto	-	-	4.39%	Up to 72 months
Details As low as* Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.39% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%

Southwest Financial Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boat Loan	-	4.39%	Up to 120 months
Details As low as* Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.39% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
RV Loan	-	4.39%	Up to 120 months
Details As low as* Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.39% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%

Southwest Financial Federal Credit Union Credit Card Rates

Product	Rate	APR
Platinum VISA	-	8.99%
Details As Low As Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Rewards VISA	-	17.99%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 17.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%

Southwest Financial Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Signature Loan	10.99%
Details As low as; Variable Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%

Southwest Financial Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Hassle Free Loan	-	-	17.99%
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 17.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Better Than Free	-	-	0.10%
Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
High Yield	-	-	3.40%
Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
High Yield	-	-	0.10%
Min Balance $25,001 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%
Select	-	-	0.10%
Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.51%

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

Southwest Financial Federal Credit Union’s Texas Ratio fell from 6.83% in Q3 2023 to 4.51% 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 and its Health Grade from A to A+. 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	$85M	4.51%	5.0	A+
March 31, 2026	$89M	5.55%	5.0	A+
December 31, 2025	$87M	8.54%	5.0	A
September 30, 2025	$86M	7.85%	5.0	A
June 30, 2025	$83M	6.05%	5.0	A
March 31, 2025	$85M	8.27%	5.0	A
December 31, 2024	$83M	9.27%	5.0	A
September 30, 2024	$83M	8.26%	5.0	A
June 30, 2024	$83M	4.91%	5.0	A+
March 31, 2024	$85M	5.25%	5.0	A+
December 31, 2023	$83M	7.79%	5.0	A
September 30, 2023	$82M	6.83%	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 Southwest Financial 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 Southwest Financial 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 Southwest Financial Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Southwest Financial Federal Credit Union

Website https://swfinancial.org

Address 1750 Valley View Ln Ste 110, Farmers Branch, TX 75234-9024

Phone 214-630-7111

Fax 214-630-7119

President Ryan Mesh

CEO Melanie Kennedy

Full-Time Employees 29

Part-Time Employees 0

Branch Locations 1

ATM Locations 0

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

4.51%

Return on Assets (ROA)

0.2413%

Return on Equity (ROE)

1.5873%

Non-Performing Loans Ratio (NPL)

0.95%

Total Assets

85,281,133

Total Amount of Shares and Deposits

71,312,804

Total Shares and Deposits < 1 Year

52,830,200

Total Shares and Deposits 1 3 Years

18,482,604

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

245,368

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

245,368

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

71,067,436

Total Interest Expense (Sum of items 6 8)

631,128

Share Certificates

258

Number of Accounts for Share Drafts

5,439

IRA KEOGH Accounts

142

Number of Accounts for Regular Shares

7,342

All other shares

1,021

Non Member Deposits

Money Market Shares

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)

4,504,090

Total Liabilities

72,319,025

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Southwest Financial Federal Credit Union earned the Verified Healthy badge

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Southwest Financial Federal Credit Union

How many branches does Southwest Financial Federal Credit Union operate?

Southwest Financial 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 Southwest Financial Federal Credit Union?

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

Does Southwest Financial Federal Credit Union offer online and mobile banking?

Most modern institutions like Southwest Financial 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://swfinancial.org.

Current Southwest Financial Federal Credit Union Rates

12-Month CD3.35%
24-Month CD2.85%
Savings1.75%

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

Compare to Other Credit Unions

Southwest Financial Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Southwest Financial Federal Credit Union Texas Ratio

Southwest Financial Federal Credit Union Health Trend

Southwest Financial Federal Credit Union CD Rates

Southwest Financial Federal Credit Union Savings Rates

Southwest Financial Federal Credit Union Checking Rates

Southwest Financial Federal Credit Union Home Equity & HELOC

Southwest Financial Federal Credit Union Auto Loan Rates

Southwest Financial Federal Credit Union RV, Boat and Powersport Loan Rates

Southwest Financial Federal Credit Union Credit Card Rates

Southwest Financial Federal Credit Union Personal Loan Rates

Southwest Financial Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Southwest Financial Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Southwest Financial Federal Credit Union

How many branches does Southwest Financial Federal Credit Union operate?

Is a member application needed to join Southwest Financial Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Southwest Financial Federal Credit Union offer online and mobile banking?

Current Southwest Financial Federal Credit Union Rates

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