Credit union · NCUA insured
Sheet Metal Workers Local 104 Federal Credit Union CD Rates
Sheet Metal Workers Local 104 Federal Credit Union’s best CD rate is 3.50% APY on a 6-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Sheet Metal Workers Local 104 Federal Credit Union’s CD rates compare
Compared with banks and credit unions near San Francisco, CA, where Sheet Metal Workers Local 104 Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Sheet Metal Workers Local 104 Federal Credit Union
3.50%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $173
Promotional Share Certificate
Top rate
Stanford Federal Credit Union
4.75%APY
- Term
- 60 months
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000
- $2,612
2nd-highest rate
HSBC USA
4.60%APY
- Term
- 24 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $941
Sheet Metal Workers Local 104 Federal Credit Union CD score
70
CD score
Higher than 27% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo3.40%
- 16–30 months16–30 mo2.00%
- 31–60 months31–60 mo3.00%
- QualifiedQualified3.50%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Sheet Metal Workers Local 104 Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Promotional Share Certificate
3.50%APY · 1 term
Limited time offer.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsLimited time promotional rate | 3.50% | $173 |
14-Month Certificate of Deposit
3.40%APY · 1 term
New money only. Limited time offer.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 14 monthsNew money only. Limited time offer | 3.40% | $398 |
Sources (1)
- smw104fcu.org/cd-special · captured Oct 16, 2026
Liquid Certificate of Deposit
3.00%APY · 1 term
Requires $1,000 minimum opening deposit with 50% new funds. Allows penalty-free withdrawals up to 50% of start-of-day balance daily. Additional deposits allowed during term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.00% | $300 |
Sources (1)
- smw104fcu.org/savings · captured Oct 16, 2026
Share Certificate
Up to 3.00%APY · 8 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.00% | $25 |
| 6 months | 1.50% | $75 |
| 12 months | 0.85% | $85 |
| 18 months | 0.90% | $135 |
| 24 months | 2.00% | $404 |
| 36 months | 1.88% | $575 |
| 48 months | 3.00% | $1,255 |
| 60 months | 3.00% | $1,593 |
Sources (1)
- smw104fcu.org/savings · captured Oct 16, 2026
Special-purpose accounts
Youth Share Certificate
4.00%APY · 1 term
For ages 0-12. Maximum deposit of $500 on promotional flyer, rate schedule tier applies on balances $50.00 to $1,000.00.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAges 0-12. No monthly fees | 4.00% | — |
Promotional IRA Certificate
3.50%APY · 1 term
Limited time offer.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsLimited time promotional rate | 3.50% | $173 |
14-Month IRA Certificate of Deposit
3.40%APY · 1 term
New money only. Limited time offer.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 14 monthsNew money only. Limited time offer | 3.40% | $398 |
Sources (1)
- smw104fcu.org/cd-special · captured Oct 16, 2026
IRA (Traditional and Roth) Certificate
Up to 3.00%APY · 8 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.00% | $25 |
| 6 months | 1.50% | $75 |
| 12 months | 0.85% | $85 |
| 18 months | 0.90% | $135 |
| 24 months | 2.00% | $404 |
| 36 months | 1.88% | $575 |
| 48 months | 3.00% | $1,255 |
| 60 months | 3.00% | $1,593 |
Sources (1)
- smw104fcu.org/savings · captured Oct 16, 2026
Who can join Sheet Metal Workers Local 104 Federal Credit Union
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