Featured Savings Rates
Featured Accounts

SMW Financial Credit Union

Popular Accounts at this Credit Union

1.25%2-year CD28 Month Featured CD
1.00%2-year IRA28 Month Featured Step-Up IRA (Traditional, Roth, CESA, SEP)
1.75%Reward CheckingRewards Checking

Overview / Commentary
700 Apollo Dr
Lino Lakes, MN 55014-3035

SMW Financial Credit Union is headquartered in Lino Lakes and is the 45th largest credit union in the state of Minnesota. It is also the 1,853rd largest credit union in the nation. It was established in 1954 and as of December of 2015, it had grown to 20 employees and 7,427 members at 2 locations. SMW Financial Credit Union 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

SMW FCU (MN) Offers Competitive 28-month Featured CD - 10/24/2015

SMW Federal Credit Union (MN) has raised that rate on its 28-month Featured CD (2.00% APY). The minimum opening deposit is $5K, with no balance cap.

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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

Year Established1954
Primary Regulator
Profit Margin
Return on Assets - YTD0.73%
Return on Equity - YTD6.77%
Annual Interest Income$3.0MM
Assets and Liabilities
AssetsQ4 2015vs Q4 2014$74.2MM$64.3MM
LoansQ4 2015vs Q4 2014$60.0MM$51.4MM
DepositsQ4 2015vs Q4 2014$66.3MM$56.8MM
Equity CapitalQ4 2015vs Q4 2014$7.8MM$7.3MM
Loan Loss AllowanceQ4 2015vs Q4 2014$249.00K$294.00K
Unbacked Noncurrent LoansQ4 2015vs Q4 2014$668.00K$334.00K
Real Estate OwnedQ4 2015vs Q4 2014$0$0
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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

0.10%--Union Vacation Account
0.05%--IRA Share Savings
0.05%--Holiday Savings Club
0.02%$250-Share Savings
0.02%$250-Youth Share Savings

SMW Financial Credit Union Money Market Rates

0.40%*$100k*-Wealth Builder Venture Money Market Savings
OTHER TIERS: 0.30% $25k - $50k | 0.35% $50k - $100k
0.20%*$50k*-Wealth Builder Money Market Savings
OTHER TIERS: 0.10% $2,500 - $10k | 0.15% $10k - $50k

SMW Financial Credit Union Checking Account Rates

1.75%*-$10kRewards Checking
OTHER TIERS: 0.50% $10k+
0.05%--Advantage Checking
0.05%$500-Interest Checking

SMW Financial Credit Union CD Rates

1.25%$5k-28 Month Featured CD
1.05%$500-60 Month CD
1.00%$5k-20 Month Featured CD
0.90%$500-48 Month CD
0.80%$500-36 Month CD
0.75%$25-49 Month Wealth Builder CD
0.75%$5k-13 Month Featured CD
0.55%$500-24 Month CD
0.55%$500-30 Month CD
0.45%$25-29 Month Wealth Builder CD
0.25%$500-12 Month CD
0.25%$25-19 Month Wealth Builder CD
0.15%*$100k*-6 Month CD
OTHER TIERS: 0.05% $500 - $100k

SMW Financial Credit Union IRA Rates

1.05%$500-60 Month IRA
1.00%$5k-28 Month Featured Step-Up IRA
0.90%$500-48 Month IRA
0.80%$500-36 Month IRA
0.75%$25-49 Month Wealth Builder IRA
0.55%$500-24 Month IRA
0.55%$500-30 Month IRA
0.45%$25-29 Month Wealth Builder IRA
0.25%$500-12 Month IRA
0.25%$25-19 Month Wealth Builder IRA
0.15%*$100k*-6 Month IRA
OTHER TIERS: 0.05% $500 - $100k

SMW Financial Credit Union Locations
Branch Office700 Apollo DrLino Lakes, MN 55014-3035
Branch Office1691 Cope Ave EMaplewood, MN 55109-2632