Stories Matter

Loans Rates and Terms

Loan Rates

Loan TypeAPR*
New or used Vehicles*As low as 5.60%
RV/Boat/Motorcycle*As low as 7.14%
Signature & LOC*As low as 13.99%
VISA Classic®*As low as 12.90%
*OAC The rates listed are the lowest and highest possible rates available to our qualified borrowers. The lowest rate shown includes a ¼ discount for automatic payment from your SMFCU savings or checking account. Rates are subject to change. Terms up to 84 months on newer vehicles. Please note that all rates displayed are subject to change without notice.

Savings Rates

To learn more about our savings account options check out our savings accounts page.

Type of accountRateAPY*
Regular savings0.10%.010%
Holiday Club0.20%0.20%

Certificate Rates

To learn more about our certificates check out our certificates page.

Balance- 6-Month Term Regular CertificateRateAPY*
$1,000 to $9,999.993.85%3.92%
$10,000 to $49,999.993.85%3.92%
$50,000 to $99,999.993.00%3.04%
$100,000 and above3.00%3.04%
Balance -12-Month Term Regular CertificateRateAPY*
$1,000 to $9,999.993.75%3.82%
$10,000 to $49,999.993.75%3.82%
$50,000 to $99,999.993.00%3.04%
$100,000 and above3.00%3.04%
Balance - IRA Certificate - 1 Year (Traditional or Roth)RateAPY*
$1,000 to $9,999.994.25%4.32%
$10,000 to $49,999.994.25%4.32%
$50,000 to $99,999.994.25%4.32%
$100,000 and above4.25%4.32%
Balance Certificate Builder - 1 YearRateAPY*
$1.00 to $5,000.005.00%5.12%
What is a CD Builder? You can put in as little as $1.00 and make monthly contributions to build up your CD balance over time. Get the rate listed at the time you first funded the CD Builder for the next 12 months. It’s a great way to lock in a rate you want even if you don’t have all the funds available for investing in a CD today.
* APY = Annual Percentage Yield
* APR = Annual Percentage Rate


Please note that all rates displayed on this page are subject to change without notice. We strive to provide the most accurate and up-to-date information but cannot guarantee that at all times. To verify rates and details, please contact us at (509) 838-8960

Office
(509) 838-8960
Address
6103 N Astor St.
Spokane, WA 99208