Rates & Terms

Below are our current savings and loan rates. Our rates are subject to change. Please call us at 838-8960 for verification of all rates.

Loan Rates


Loan TypeRate/Annual Percentage Rate (APR)
New or used Vehicles*As low as 6.24%
RV/Boat/Motorcycle*As low as 6.84%
Signature & LOC*As low as 13.99%
VISA Classic®*As low as 12.90%
*OAC The rates listed are the lowest 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 for new vehicles 2022-2024. Terms up to 60 months for vehicles 2012 and older.

Savings Rates


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

Balance- Share CD 6 monthRateAPY*
$1,000 to $9,999.993.75%3.82%
$10,000 to $49,999.993.75%3.82%
$50,000 to $99,999.993.75%3.82%
$100,000 and above3.75%3.82%

Balance -Share CD's 1 yearRateAPY*
$1,000 to $9,999.994.75%4.86%
$10,000 to $49,999.994.75%4.86%
$50,000 to $99,999.994.75%4.86%
$100,000 and above4.75%4.86%

Balance - IRA CD’s 1 Year (Traditional or Roth)RateAPY*
$1,000 to $9,999.993.50%3.55%
$10,000 to $49,999.993.50%3.55%
$50,000 to $99,999.993.50%3.55%
$100,000 and above3.50%3.55%
What is a Traditional IRA? A traditional IRA is a type of individual retirement account that allows owners to make pre-tax contributions. While annual contributions could result in a tax break for that year, withdrawals made during retirement will be subject to income tax.

What is a Roth IRA? A Roth IRA is a type of individual retirement account that allows you to contribute after-tax dollars. While there are no current-year tax benefits, your contributions and earnings can grow tax-free, and you can withdraw them tax-free and penalty free after age 59½ and once the account has been open for five years.


Balance CD Builder - 1 YearRateAPY*
$1,000 to $9,999.993.50%3.56%
$10,000 to $49,999.993.50%3.56%
$50,000 to $99,999.993.50%3.56%
$100,000 and above3.50%3.56%
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