What are the current interest rates at SMW Financial Credit Union?

Current rates for SMW Financial Credit Union include: 12-Month CD: 1.30%, 18-Month CD: 0.05%, 24-Month CD: 1.55%, 60-Month CD: 2.00%, Savings: 0.05%, MMA: 2.75%

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SMW Financial Credit Union

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SMW Financial Credit Union Rates & Review October 2026

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 14, 2026

SMW Financial Credit Union's top rates as of October 14, 2026 are 3.50% APY on its CD Specials - 7 month, 0.05% APY on savings, 2.75% APY on money market accounts, 4.50% APY on checking, and personal loans from 11.29% APR, according to rates verified by MonitorBankRates. Other SMW Financial Credit Union CD rates include CD Specials - 13 Month at 3.30%, 60 Month CDs of Deposit (CDs) at 2.00%, and 48 Month CDs of Deposit (CDs) at 1.90%. 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 0.07%. Rates last updated and verified on 10/14/2026.

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.

Ranked #28 Healthiest Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.07%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

SMW Financial Credit Union
Lino Lakes

700 Apollo Dr
Lino Lakes, MN 55014-3035

https://www.smwfcu.com

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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.

SMW Financial Credit Union CD Rates

Product	Rate	APY	Term
CD Specials - 7 month	3.45%	3.50%	7 Months
Details Rolls over into a 6-month standard certificate at maturity; Limited-time offer; Penalty for early withdrawal; Membership eligibility required Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
CD Specials - 13 Month	3.25%	3.30%	13 Month
Details Rolls over into a 12-month standard certificate at maturity; Limited-time offer; Penalty for early withdrawal; Membership eligibility required Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 3.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
60 Month Certificates of Deposit (CDs)	1.98%	2.00%	60 Month
Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
60 Month Certificates of Deposit (CDs)	1.98%	2.00%	60 Month
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
60 Month Certificates of Deposit (CDs)	1.98%	2.00%	60 Month
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
60 Month Certificates of Deposit (CDs)	1.98%	2.00%	60 Month
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 2.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
48 Month Certificates of Deposit (CDs)	1.88%	1.90%	48 Month
Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.90% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
48 Month Certificates of Deposit (CDs)	1.88%	1.90%	48 Month
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.90% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
48 Month Certificates of Deposit (CDs)	1.88%	1.90%	48 Month
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.90% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
48 Month Certificates of Deposit (CDs)	1.88%	1.90%	48 Month
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.90% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
36 Month Certificates of Deposit (CDs)	1.59%	1.60%	36 Month
Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
36 Month Certificates of Deposit (CDs)	1.59%	1.60%	36 Month
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
36 Month Certificates of Deposit (CDs)	1.59%	1.60%	36 Month
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
36 Month Certificates of Deposit (CDs)	1.59%	1.60%	36 Month
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
24 Month Certificates of Deposit (CDs)	1.54%	1.55%	24 Month
Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
24 Month Certificates of Deposit (CDs)	1.54%	1.55%	24 Month
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
24 Month Certificates of Deposit (CDs)	1.54%	1.55%	24 Month
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
24 Month Certificates of Deposit (CDs)	1.54%	1.55%	24 Month
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
30 Month Certificates of Deposit (CDs)	1.39%	1.40%	30 Month
Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
30 Month Certificates of Deposit (CDs)	1.39%	1.40%	30 Month
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
30 Month Certificates of Deposit (CDs)	1.39%	1.40%	30 Month
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
30 Month Certificates of Deposit (CDs)	1.39%	1.40%	30 Month
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
12 Month Certificates of Deposit (CDs)	1.29%	1.30%	12 Month
Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
12 Month Certificates of Deposit (CDs)	1.29%	1.30%	12 Month
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
12 Month Certificates of Deposit (CDs)	1.29%	1.30%	12 Month
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
12 Month Certificates of Deposit (CDs)	1.29%	1.30%	12 Month
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
6 Month Certificates of Deposit (CDs)	1.00%	1.00%	6 Month
Min Balance $500 Details Balance: $500 - $9,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
6 Month Certificates of Deposit (CDs)	1.00%	1.00%	6 Month
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
6 Month Certificates of Deposit (CDs)	1.00%	1.00%	6 Month
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
6 Month Certificates of Deposit (CDs)	1.00%	1.00%	6 Month
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
49 Month Certificates of Deposit	0.50%	0.50%	49 Month
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
49 Month Wealth Builder CD	0.50%	0.50%	49 Month
Min Deposit $25 Min Balance $100,000 Details Balance: $100,000+; Requires minimum $25 to open and automatic payment of $25 or more monthly Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
49 Month Certificates of Deposit	0.45%	0.45%	49 Month
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.45% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
49 Month Wealth Builder CD	0.45%	0.45%	49 Month
Min Deposit $25 Min Balance $50,000 Details Balance: $50,000 - $99,999.99; Requires minimum $25 to open and automatic payment of $25 or more monthly Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
49 Month Certificates of Deposit	0.40%	0.40%	49 Month
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
49 Month Wealth Builder CD	0.40%	0.40%	49 Month
Min Deposit $25 Min Balance $10,000 Details Balance: $10,000 - $49,999.99; Requires minimum $25 to open and automatic payment of $25 or more monthly Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
29 Month Certificates of Deposit	0.30%	0.30%	29 Month
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
29 Month Wealth Builder CD	0.30%	0.30%	29 Month
Min Deposit $25 Min Balance $100,000 Details Balance: $100,000+; Requires minimum $25 to open and automatic payment of $25 or more monthly Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
19 Month Certificates of Deposit	0.25%	0.25%	19 Month
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
19 Month Certificates of Deposit	0.25%	0.25%	19 Month
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
19 Month Wealth Builder CD	0.25%	0.25%	19 Month
Min Deposit $25 Min Balance $50,000 Details Balance: $50,000 - $99,999.99; Requires minimum $25 to open and automatic payment of $25 or more monthly Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
29 Month Certificates of Deposit	0.25%	0.25%	29 Month
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
29 Month Wealth Builder CD	0.25%	0.25%	29 Month
Min Deposit $25 Min Balance $50,000 Details Balance: $50,000 - $99,999.99; Requires minimum $25 to open and automatic payment of $25 or more monthly Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
49 Month Certificates of Deposit	0.25%	0.25%	49 Month
Min Balance $25 Details Balance: $25 - $9,999.99 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
49 Month Wealth Builder CD	0.25%	0.25%	49 Month
Min Deposit $25 Min Balance $25 Details Balance: $25 - $9,999.99; Requires minimum $25 to open and automatic payment of $25 or more monthly Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
29 Month Certificates of Deposit	0.20%	0.20%	29 Month
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
29 Month Wealth Builder CD	0.20%	0.20%	29 Month
Min Deposit $25 Min Balance $10,000 Details Balance: $10,000 - $49,999.99; Requires minimum $25 to open and automatic payment of $25 or more monthly Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
29 Month Certificates of Deposit	0.15%	0.15%	29 Month
Min Balance $25 Details Balance: $25 - $9,999.99 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
29 Month Wealth Builder CD	0.15%	0.15%	29 Month
Min Deposit $25 Min Balance $25 Details Balance: $25 - $9,999.99; Requires minimum $25 to open and automatic payment of $25 or more monthly Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
19 Month Certificates of Deposit	0.10%	0.10%	19 Month
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
19 Month Wealth Builder CD	0.10%	0.10%	19 Month
Min Deposit $25 Min Balance $10,000 Details Balance: $10,000 - $49,999.99; Requires minimum $25 to open and automatic payment of $25 or more monthly Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
19 Month Certificates of Deposit	0.05%	0.05%	19 Month
Min Balance $25 Details Balance: $25 - $9,999.99 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
19 Month Wealth Builder CD	0.05%	0.05%	19 Month
Min Deposit $25 Min Balance $25 Details Balance: $25 - $9,999.99; Requires minimum $25 to open and automatic payment of $25 or more monthly Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%

SMW Financial Credit Union Savings Rates

Product	Rate	APY
Rewards Saver Account	2.96%	3.00%
Min Balance $0 Details Qualifications Required; Balance: $0.00 - $25,000.00; Qualifying balance up to $25,000.00; Must have a Rewards Checking to qualify for a Reward Saver; Reward rates paid if Reward Checking qualifications are met Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
Holiday Savings	0.05%	0.05%
Min Balance $5 Details Minimum Balance: $5 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
IRA Share Savings	0.05%	0.05%
Min Balance $0 Details Balance: $0 - $9,999.99 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
Share Savings	0.02%	0.02%
Min Balance $250 Details Balance: $250 - $9,999.99 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.02% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%

SMW Financial Credit Union Money Market Rates

Product	Rate	APY
Wealth Builder Venture Money Market	2.72%	2.75%
Min Balance $100,000 Details Balance: $100,000+; Maintain $25,000 to avoid $50 monthly fee Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
Wealth Builder Money Market	2.47%	2.50%
Min Balance $50,000 Details Balance: $50,000 and over; Maintain at least $2,500 to avoid $10 monthly fee Last Updated 10/14/2026 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: 0.07%
Wealth Builder Venture Money Market	2.47%	2.50%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99; Maintain $25,000 to avoid $50 monthly fee Last Updated 10/14/2026 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: 0.07%
Wealth Builder Money Market	2.23%	2.25%
Min Balance $10,000 Details Balance: $10,000 - $49,999.99; Maintain at least $2,500 to avoid $10 monthly fee Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
Wealth Builder Venture Money Market	2.23%	2.25%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99; Maintain $25,000 to avoid $50 monthly fee Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
Wealth Builder Money Market	1.98%	2.00%
Min Balance $2,500 Details Balance: $2,500 - $9,999.99; Maintain at least $2,500 to avoid $10 monthly fee Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 2.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%

SMW Financial Credit Union Checking Rates

Product	Rate	APY	View More
Rewards Checking	4.41%	4.50%
Min Deposit $100 Min Balance $0 Details Qualifications Required; Balance: $0 - $20,000 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 3.00% → 4.50% ▲ 1.50 pts · high 4.50% / low 3.00% Sep 22, 20264.50%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%

SMW Financial Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan	-	-	6.39%	5 years
Details As Low As; Fixed rate. Stated rate is for 5 year term. Other rates and LTV's available. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 6.39% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
Home Equity Line Of Credit (HELOC)	-	-	7.50%
Details Current variable APR; rate varies with WSJ Prime; maximum rate ceiling 18.00%; includes $50 annual fee Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
Interest Only Home Equity Line of Credit	-	-	7.75%
Details As Low As; Variable rate. 80% Loan to Value (LTV). Other rates and LTV's available. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 7.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
Home Equity Bridge Loan	-	-	9.49%	5 years
Details As Low As; Fixed rate. Stated rate is for 5 year term. Other rates and LTV's available. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 9.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%

SMW Financial Credit Union Auto Loan Rates

Product	Rate	Points	APR
Auto Loan	-	-	4.29%
Details As Low As; Learn More Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 4.29% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
Used Auto Loans	4.79%	-	4.79%
Details As Low As; 2018 - 2022 model years; Other terms and rates available. Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 4.79% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%

SMW Financial Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Signature Loan	11.29%
Details As Low As; Terms: Over $2,000 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 11.29% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%

SMW Financial Credit Union Other Rates

Product	Rate	Points	APY/APR
Instant Line of Credit	-	-	12.99%
Details As Low As; Terms: Fixed interest rate (12.99% to 18%) Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 12.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%
Union Vacation Accounts	0.05%	-	0.05%
Min Balance $0 Details Balance: $0 - $2,499.99 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.07%

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.
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Financial Health History

SMW Financial Credit Union’s Texas Ratio fell from 1.88% in Q3 2023 to 0.07% 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. 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	$87M	0.07%	5.0	A+
March 31, 2026	$92M	0.64%	5.0	A+
December 31, 2025	$91M	1.08%	5.0	A+
September 30, 2025	$90M	1.01%	5.0	A+
June 30, 2025	$88M	0.80%	5.0	A+
March 31, 2025	$89M	0.01%	5.0	A+
December 31, 2024	$91M	0.35%	5.0	A+
September 30, 2024	$91M	0.48%	5.0	A+
June 30, 2024	$90M	0.69%	5.0	A+
March 31, 2024	$91M	0.12%	5.0	A+
December 31, 2023	$88M	6.82%	5.0	A
September 30, 2023	$90M	1.88%	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 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 13

Part-Time Employees 0

Branch Locations 2

ATM Locations 1

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.07%

Return on Assets (ROA)

0.2218%

Return on Equity (ROE)

1.9262%

Non-Performing Loans Ratio (NPL)

0.01%

Total Assets

87,478,639

Total Amount of Shares and Deposits

77,590,526

Total Shares and Deposits < 1 Year

76,889,897

Total Shares and Deposits 1 3 Years

583,000

Total Shares and Deposits > 3 Years

117,625

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

3,989,895

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

3,989,895

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

73,600,631

Total Interest Expense (Sum of items 6 8)

478,927

Share Certificates

602

Number of Accounts for Share Drafts

2,764

IRA KEOGH Accounts

Number of Accounts for Regular Shares

7,036

All other shares

Non Member Deposits

614

Money Market Shares

Net Income (unless the amount is already included in Undivided Earnings)

194,014

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)

6,793,347

Total Liabilities

77,754,782

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

SMW Financial Credit Union earned the Top 100 Healthiest badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://www.monitorbankrates.com/credit-unions/smw-financial-credit-union-rates-review-68676">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-s-2026-q2.svg"
       alt="Ranked #28 in MonitorBankRates Top 100 Healthiest Small Credit Unions Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page, or view the full Top 100 Healthiest Small Credit Unions Q2 2026 ranking.

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.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for SMW Financial Credit Union

Frequently Asked Questions About SMW Financial Credit Union

How 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

12-Month CD1.30%
18-Month CD0.05%
24-Month CD1.55%
60-Month CD2.00%
Savings0.05%
MMA2.75%

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

Compare to Other Credit Unions

SMW Financial Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

SMW Financial Credit Union Texas Ratio

SMW Financial Credit Union Health Trend

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 Personal Loan Rates

SMW Financial Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

SMW Financial Credit Union earned the Top 100 Healthiest badge

Customer Reviews

Frequently Asked Questions About SMW Financial Credit Union

How many branches does SMW Financial Credit Union operate?

Is a member application needed to join SMW Financial Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does SMW Financial Credit Union offer online and mobile banking?

Current SMW Financial Credit Union Rates

Compare to Other Credit Unions