Featured Savings Rates
Featured Accounts

Smw 104 Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
0.43%1-year CD12 Month Share Certificate
0.02%SavingsVacation Pay Account
0.60%3-year CD36 Month Share Certificate

Overview / Commentary
800-464-5987
1750 Abram Ct
San Leandro, CA 94577-3250

Smw 104 Federal Credit Union is headquartered in San Leandro and is the 163rd largest credit union in the state of California. It is also the 1,709th largest credit union in the nation. It was established in 1962 and as of December of 2016, it had grown to 9 employees and 9,098 members at 1 location. Smw 104 Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Must be a member or apprentice of Local 104, Sheet Metal Workers’ International Association, in California. Also open to members or employees of several other association and companies.
See current membership details

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Health
B+
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Smw 104 Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #14934
Year Chartered1962
Employees9
Primary Regulator
Profit Margin
Return on Assets - YTD0.07%
Return on Equity - YTD0.91%
Annual Interest Income$2.1MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$88.1MM$86.4MM
LoansQ4 2016vs Q4 2015$31.4MM$28.5MM
DepositsQ4 2016vs Q4 2015$81.1MM$79.6MM
Equity CapitalQ4 2016vs Q4 2015$6.7MM$6.6MM
Loan Loss AllowanceQ4 2016vs Q4 2015$158.00K$110.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$44.00K$32.00K
Real Estate OwnedQ4 2016vs Q4 2015$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Smw 104 Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%--IRA Savings Account
0.08%--Christmas Club Account
0.05%$250-Regular Savings Account
0.02%$2,500-Vacation Pay Account

Smw 104 Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.18%*$50k*-Money Market Account
OTHER TIERS: 0.10% $2,500 - $10k | 0.12% $10k - $25k | 0.15% $25k - $50k

Smw 104 Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.02%$2,500-Checking Account

Smw 104 Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%*$50k*-36 Month Share Certificate
OTHER TIERS: 0.55% $1k - $50k
0.55%*$50k*-24 Month Share Certificate
OTHER TIERS: 0.50% $1k - $50k
0.48%*$50k*-18 Month Share Certificate
OTHER TIERS: 0.43% $1k - $50k
0.43%*$50k*-12 Month Share Certificate
OTHER TIERS: 0.38% $1k - $50k
0.38%*$50k*-6 Month Share Certificate
OTHER TIERS: 0.33% $1k - $50k
0.33%*$50k*-3 Month Share Certificate
OTHER TIERS: 0.28% $1k - $50k

Smw 104 Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%$1k-24 Month IRA Certificate
0.45%$1k-12 Month IRA Certificate
Locations


Smw 104 Federal Credit Union Locations
Branch Office1750 Abram CtSan Leandro, CA 94577-3250