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 Type | APR* |
| 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.
*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 account | Rate | APY* |
| Regular savings | 0.10% | .010% |
| Holiday Club | 0.20% | 0.20% |
| Balance- 6-Month Term Regular Certificate | Rate | APY* |
| $1,000 to $9,999.99 | 3.85% | 3.92% |
| $10,000 to $49,999.99 | 3.85% | 3.92% |
| $50,000 to $99,999.99 | 3.00% | 3.04% |
| $100,000 and above | 3.00% | 3.04% |
| Balance -12-Month Term Regular Certificate | Rate | APY* |
| $1,000 to $9,999.99 | 3.75% | 3.82% |
| $10,000 to $49,999.99 | 3.75% | 3.82% |
| $50,000 to $99,999.99 | 3.00% | 3.04% |
| $100,000 and above | 3.00% | 3.04% |
| Balance - IRA Certificate - 1 Year (Traditional or Roth) | Rate | APY* |
| $1,000 to $9,999.99 | 4.25% | 4.32% |
| $10,000 to $49,999.99 | 4.25% | 4.32% |
| $50,000 to $99,999.99 | 4.25% | 4.32% |
| $100,000 and above | 4.25% | 4.32% |
* APY = Annual Percentage Yield
