SMW Financial Credit Union

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CURRENT TOP RATE

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	HOW THEY COMPARE
1.65%	2-year CD	2.70% - Capital One 24 Month 360 CD
1.75%	Reward Checking	1.25% - Axos Bank Rewards Checking - 3 Qualifications
2.35%	5-year CD	3.10% - Goldman Sachs Bank USA High-yield 5 Year CD

View all SMW Financial Credit Union rates »

Overview / Commentary

651-747-1500

700 Apollo Dr
Lino Lakes, MN 55014-3035

SMW Financial Credit Union is headquartered in Lino Lakes and is the 46^th largest credit union in the state of Minnesota. It is also the 1,885^th largest credit union in the nation. It was established in 1954 and as of June of 2018, it had grown to 21 employees and 7,584 members at 2 locations. SMW Financial Credit Union's money market rates are 48% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship, volunteer or attend school in Anoka, Hennepin, Ramsey or Washington Counties of Minnesota.
See current membership details

Related Posts

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2015
2014
2007

10/24 - SMW FCU (MN) Offers Competitive 28-month Featured CD

10/16 - SMW Federal Credit Union (MN) Offers Competitive 28-month Featured CD

7/28 - 6.00% 24-Month / 6.00% 60-Month CD at a Minnesota CU (SMW)
3/28 - 5.60% 12-Month CD at a Minnesota CU (SMW)
1/25 - 5.70% 12-Month CD / 5.80% 24-Month CD at a Minnesota CU (SMW)

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Health

B+

Data as of Q2 2018

Learn why bank health matters

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 Financial Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #	68676
Year Chartered	1954
Employees	21
Primary Regulator

Profit Margin
Return on Assets - YTD	-0.59%
Return on Equity - YTD	-6.08%
Annual Interest Income	$1.5MM

Assets and Liabilities
Assets	Q2 2018vs Q2 2017	$77.0MM$77.9MM
Loans	Q2 2018vs Q2 2017	$66.5MM$64.8MM
Deposits	Q2 2018vs Q2 2017	$69.0MM$70.1MM
Equity Capital	Q2 2018vs Q2 2017	$7.6MM$7.6MM
Loan Loss Allowance	Q2 2018vs Q2 2017	$477.00K$404.00K
Unbacked Noncurrent Loans	Q2 2018vs Q2 2017	$117.00K$303.00K
Real Estate Owned	Q2 2018vs Q2 2017	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

SMW Financial Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	-	-	Union Vacation Account
0.05%	-	-	IRA Share Savings
0.05%	$5	-	Holiday Savings Club
0.02%	$250	-	Share Savings
0.02%	$250	-	Youth Share Savings

SMW Financial Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.65%^*	$100k^*	-	Wealth Builder Venture Money Market Savings
OTHER TIERS: 0.55% → $25k - $50k \| 0.60% → $50k - $100k
0.20%^*	$50k^*	-	Wealth Builder Money Market Savings
OTHER TIERS: 0.10% → $2.5k - $10k \| 0.15% → $10k - $50k

SMW Financial Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.75%^*	-	$20k	Rewards Checking
OTHER TIERS: 0.50% → $20k+
0.05%	-	-	Advantage Checking
0.05%	$500	-	Interest Checking

SMW Financial Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.35%^*	$100k^*	-	60 Month CD
OTHER TIERS: 1.85% → $500 - $10k \| 2.10% → $10k - $100k
2.25%	$5k	-	20 Month Featured CD
2.00%	$5k	-	13 Month Featured CD
1.75%^*	$100k^*	-	30 Month CD
OTHER TIERS: 1.25% → $500 - $10k \| 1.50% → $10k - $100k
1.65%	$5k	-	28 Month Featured CD
1.45%	$500	-	48 Month CD
1.35%	$500	-	36 Month CD
0.90%^*	$100k^*	-	12 Month CD
OTHER TIERS: 0.50% → $500 - $10k \| 0.70% → $10k - $50k \| 0.80% → $50k - $100k
0.75%	$25	-	49 Month Wealth Builder CD
0.60%^*	$100k^*	-	6 Month CD
OTHER TIERS: 0.30% → $500 - $10k \| 0.40% → $10k - $50k \| 0.50% → $50k - $100k
0.55%	$500	-	24 Month CD
0.45%	$25	-	29 Month Wealth Builder CD
0.25%	$25	-	19 Month Wealth Builder CD

SMW Financial Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.35%^*	$100k^*	-	60 Month IRA
OTHER TIERS: 1.85% → $500 - $10k \| 2.10% → $10k - $100k
2.25%	$5k	-	20 Month Featured IRA
2.00%	$5k	-	13 Month Featured IRA
1.75%^*	$100k^*	-	30 Month IRA
OTHER TIERS: 1.25% → $500 - $10k \| 1.50% → $10k - $100k
1.65%	$5k	-	28 Month Featured IRA
1.45%	$500	-	48 Month IRA
1.35%	$500	-	36 Month IRA
0.90%^*	$100k^*	-	12 Month IRA
OTHER TIERS: 0.50% → $500 - $10k \| 0.70% → $10k - $50k \| 0.80% → $50k - $100k
0.75%	$25	-	49 Month Wealth Builder IRA
0.60%^*	$100k^*	-	6 Month IRA
OTHER TIERS: 0.30% → $500 - $10k \| 0.40% → $10k - $50k \| 0.50% → $50k - $100k
0.55%	$500	-	24 Month IRA
0.45%	$25	-	29 Month Wealth Builder IRA
0.25%	$25	-	19 Month Wealth Builder IRA

Locations

SMW Financial Credit Union Locations
Branch Office	700 Apollo Dr	Lino Lakes, MN 55014-3035
Branch Office	1691 Cope Ave E	Maplewood, MN 55109-2632

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