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* |
|---|---|
| Auto or Truck* | As low as 4.75% |
| RV & Travel Trailer* | As low as 6.44% |
| Motorcycle* | As low as 5.49% |
| Boat & Watercraft | As low as 6.44% |
| Signature Unsecured & LOC* | As low as 13.49% |
| VISA Classic®* | As low as 12.90% |
*"As low as" rates listed are the lowest possible rates and may not be available to all borrowers. APR is based on loan term and borrower's credit history.
Auto/Truck loan rate based on well qualified borrower, 36-month term, and vehicle age 7 years or less.
Some loans include a minimum loan amount.
*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% | 0.10% |
| Holiday Club | 0.20% | 0.20% |
| Balance- 6-Month Term Regular Certificate | Rate | APY* |
|---|---|---|
| $1,000 to $9,999.99 | 3.20% | 3.25% |
| $10,000 to $49,999.99 | 3.20% | 3.25% |
| $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 $4,999.00 | 3.00% | 3.04% |
| $2,500.00 to $9,999.00 | 3.00% | 3.04% |
| $10,000 to $49,999.99 | 3.00% | 3.04% |
| $50,000 to $99,999.99 | 2.80% | 2.83% |
| $100,000 and above | 2.80% | 2.83% |
| Balance - IRA Certificate - 1 Year (Traditional or Roth) | Rate | APY* |
|---|---|---|
| $1,000 to $9,999.99 | 3.00% | 3.04% |
| $10,000 to $49,999.99 | 3.00% | 3.04% |
| $50,000 to $99,999.99 | 3.00% | 3.04% |
| $100,000 and above | 3.20% | 3.24% |
