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 2.79%
RV/Boat/Motorcycle*As low as 3.29%
Signature & LOC*As low as 12.24%
VISA Classic®*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 2017-2019.  Terms up to 60 months for vehicles 2008 and older.

Savings Rates


Type of accountRateAPY*
Regular savings.15%.15%
Holiday Club.20%.20%
Balance- Share CD 6 monthRateAPY*
$1,000 to $9,999.99.75%.75%
$10,000 to $49,999.99.75%.75%
$50,000 to $99,999.99.75%.75%
$100,000 and above.75%.75%
Balance -Share CD's 1 yearRateAPY*
$1,000 to $9,999.991.00%1.01%
$10,000 to $49,999.991.00%1.01%
$50,000 to $99,999.991.00%1.01%
$100,000 and above1.00%1.01%
Balance -IRA CD's 1 YearRateAPY*
$1,000 to $9,999.99.78%.78%
$10,000 to $49,999.99.78%.78%
$50,000 to $99,999.99.78%.78%
$100,000 and above.78%.78%
* APY = Annual Percentage Yield