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 5.44%
RV/Boat/Motorcycle*As low as 5.94%
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 2021-2023.  Terms up to 60 months for vehicles 2011 and older.

Savings Rates

Type of accountRateAPY*
Regular savings0.10%.010%
Holiday Club0.20%0.20%
Balance- Share CD 6 monthRateAPY*
$1,000 to $9,999.99.40%.40%
$10,000 to $49,999.99.40%.40%
$50,000 to $99,999.99.40%.40%
$100,000 and above.40%.40%
Balance -Share CD's 1 yearRateAPY*
$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 -IRA CD's 1 YearRateAPY*
$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%
* APY = Annual Percentage Yield