Rates are current as of December 13th, 2017

APY = Annual Percentage Yield. Fees may reduce earnings. Rates are for informational purposes only and change periodically.

Deposit Rates

Rewards Checking*Learn More

Daily Balance Minimum Opening Deposit Dividend Rate APY
$0 - $20,000 $100 1.75% 1.75%
$20,000+ $100 0.50% 0.50%
All balances if qualifications not met $100 0.05% 0.05%

Qualifications

Earning the full rewards is so easy, you're probably already doing it! To earn your rewards, simply do the following activities and transactions in your Rewards Checking account each monthly qualification cycle:

  • Have at least 10 debit card purchases post and settle
  • Be enrolled and receive e-statement notice
  • Have at least one (1) direct deposit OR ACH post and clear.

If you don't meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account that earns our base interest rate. Plus, you can get back to earning really high interest and nationwide ATM fee refunds the very next month.

Term Renewal Term Minimum Daily Balance Dividend Rate APY
13 Month 12 Months $5,000 0.75% 0.75%
20 Month 24 Months $5,000 1.00% 1.00%
28 Month 36 Months $5,000 1.25% 1.24%

Penalty may be imposed for early withdrawal.

Checking Accounts

Account Minimum Opening Deposit Daily Balance Dividend Rate APY
Advantage Checking $100 $0+ 0.05% 0.05%
Interest Checking $500 $500 0.05% 0.05%

Certificates of Deposit (CDs)Learn More

Term Daily Balance Dividend Rate APY
6 Month $500 - $9,999.99 0.30% 0.30%
6 Month $10,000 - $49,999.99 0.40% 0.40%
6 Month $50,000 - $99,999.99 0.50% 0.50%
6 Month $100,000+ 0.60% 0.60%
12 Month $500 - $9,999.99 0.50% 0.50%
12 Month $10,000 - $49,999.99 0.60% 0.60%
12 Month $50,000 - $99,999.99 0.70% 0.70%
12 Month $100,000+ 0.80% 0.80%
24 Month $500 - $9,999.99 0.55% 0.55%
24 Month  $10,000 - $49,999.99 0.55% 0.55%
24 Month  $50,000 - $99,999.99  0.55% 0.55%
24 Month  $100,000+  0.55% 0.55%
30 Month $500 - $9,999.99 0.55% 0.55%
30 Month $10,000 - $49,999.99  0.55% 0.55%
30 Month  $50,000 - $99,999.99  0.55% 0.55%
30 Month  $100,000+  0.55% 0.55%
36 Month $500 - $9,999.99 1.34% 1.35%
36 Month $10,000 - $49,999.99  1.34% 1.35%
36 Month  $50,000 - $99,999.99  1.34% 1.35%
36 Month  $100,000+  1.34% 1.35% 
48 Month $500 - $9,999.99 1.44% 1.45%
48 Month  $10,000 - $49,999.99  1.44% 1.45%
48 Month  $50,000 - $99,999.99  1.44% 1.45% 
48 Month  $100,000+  1.44%  1.45% 
60 Month $500 - $9,999.99 1.54% 1.55%
60 Month $10,000 - $49,999.99  1.54% 1.55%
60 Month  $50,000 - $99,999.99  1.54%  1.55% 
60 Month  $100,000+  1.54%  1.55% 

Penalty may be imposed for early withdrawal.

Wealth Builder CD

Term Daily Balance Dividend Rate APY
19 Month $25 - $9,999.99 0.25% 0.25%
19 Month $10,000 - $49,999.99 0.25% 0.25%
19 Month $50,000 - $99,999.99 0.25% 0.25%
19 Month  $100,000+ 0.25% 0.25%
29 Month $25 - $9,999.99 0.45% 0.45%
29 Month  $10,000 - $49,999.99 0.45%  0.45% 
29 Month $50,000 - $99,999.99 0.45%  0.45% 
29 Month $100,000+ 0.45%  0.45% 
49 Month $25 - $9,999.99 0.75% 0.75%
49 Month $10,000 - $49,999.99 0.75%  0.75% 
49 Month $50,000 - $99,999.99 0.75%  0.75% 
49 Month $100,000+  0.75%  0.75% 
Requires minimum $25 to open and an automatic payment of $25 or more to certificate once a month required

Penalty may be imposed for early withdrawal

IRA Share Savings

Daily Balance Dividend Rate APY
$0-$9,999.99 0.05% 0.05%
$10,000-$49,999.99 0.05% 0.05%
$50,000-$99,999.99 0.05% 0.05%
$100,000+ 0.05% 0.05%

Wealth Builder Savings

Daily Balance Dividend Rate APY
$0 - $2,499.99 0.00% 0.00%
$2,500 - $9,999.99 0.10% 0.10%
$10,000 - $49,999.99 0.15% 0.15%
$50,000+ 0.20% 0.20%

Maintain at least $2,500 to avoid $10 monthly fee

Wealth Builder Venture

Daily Balance Dividend Rate APY
$0 - $24,999.99 0.00% 0.00%
$25,000 - $49,999.99 0.30% 0.30%
$50,000 - $99,999.99 0.35% 0.35%
$100,000+ 0.40% 0.40%

Maintain $25,000 to avoid $50 monthly fee

Share SavingsLearn More

Daily Balance Dividend Rate APY
$0 - $249 0.00% 0.00%
$250 - $9,999.99 0.02% 0.02%
$10,000+ 0.02% 0.02%

Holiday SavingsLearn More

Minimum Balance Dividend Rate APY
$5 0.05% 0.05%

Union Vacation AccountsLearn More

Daily Balance Dividend Rate APY
$0 - $2,499.99 0.10% 0.10%
$2,500 - $9,999.99 0.10% 0.10%
$10,000+ 0.10% 0.10%

Loan Rates

Loan rates disclosed as annual percentage rate (APR) are the lowest available, subject to the type of loan, credit history and automatic payment. Other conditions may apply. Rates are fixed rates, unless otherwise noted. Rates are for informational purposes only and change periodically.

Vehicle Loans

Loan Type Terms APR as low as
New Auto Loans 2014 - 2018 model years 2.99%
Used Auto Loans 2009 - 2013 model years 3.74%
New & Used Boat, Motor, & Personal Watercraft 84 months 3.49%
New & Used Boat, Motor, & Personal Watercraft 120 months 4.99%
New & Used Boat, Motor, & Personal Watercraft 180 months 5.99%
New Motorcycles 2014 - 2018 model years 4.95%
Used Motorcycles 2012 - 2013 model years 5.95%
Used Motorcycles (Cruisers) 2010 - 2013 model years 5.95%
New Snowmobiles, ATVs, & Misc. Collateral 2014 - 2018 model years 5.90%
Used Snowmobiles, ATVs, and Misc. Collateral 2012 - 2013 model years 6.90%
New Motor Homes 2014 - 2018 model years 4.49%
Used Motor Homes 2009 - 2013 model years 4.99%

Credit CardsLearn More

Card APY
Platinum Visa 8.90% - 16.90%
Cash Back Platinum Visa 8.90% - 16.90%

Other Loans

Loan Type Terms APR
Certificate Secured Certificate APY + 3.00% rounded nearest 0.25% 5.00%
Share Secured   5.00%
Personal Signature over $2,000 10.00%
Instant Line of Credit variable interest rate 9.5% variable
5/5 ARM For credit scores over 710 2.75%

Home EquityLearn More

Type Terms APR
Home Equity Line of Credit Variable rate 4.69%
Home Equity Loan Fixed rate 3.79%

Any loan fee that is a percentage of the credit limit under the plan and an estimate of any other fees imposed for opening the plan, stated as a single dollar amount or a reasonable range. The maximum annual percentage rate that may be imposed in a variable-rate plan. Maximum = 18% APR

Mortgage LoansLearn More

Mortgage Loans APR
Please contact an SMW FCU representative for current rates Call 651-747-1500 or 800-772-1023