Credit union · NCUA insured
Sheet Metal Workers Local 104 Federal Credit Union Savings Rates
Sheet Metal Workers Local 104 Federal Credit Union’s best savings rate is 0.19% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Sheet Metal Workers Local 104 Federal Credit Union’s savings 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
0.19%APY
- Requires
- None
- Earns on $10,000 a year
- $19
Money Market
Top rate
Nuvision Credit Union
4.50%APY
- Requires
- Monthly account activity
- Earns on $10,000 a year
- $450
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Earns on $10,000 a year
- $440
Sheet Metal Workers Local 104 Federal Credit Union savings score
69
Savings score
Higher than 25% of U.S. banks and credit unions
- $1,000 balance$1,0000.01%
- $10,000 balance$10,0000.19%
- $100,000 balance$100,0003.25%
- QualifiedQualified0.19%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
High-Yield Money Market
Up to 3.25%APY
Dividends are paid monthly based on the aggregate balance in the account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25,000 – $100,000Dividends paid monthly based on aggregate balance. | 3.20% | — | Dividends paid monthly based on aggregate balance. |
| $100,000 and upDividends paid monthly based on aggregate balance. | 3.25% | — | Dividends paid monthly based on aggregate balance. |
Money Market
0.19%APY
Dividends are paid monthly based on the aggregate balance in the account. Up to six withdrawals monthly without penalty. A minimum balance of $2,500 is required to earn dividends.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $10,000Dividends paid monthly based on aggregate balance. | 0.14% | — | Dividends paid monthly based on aggregate balance. |
| $10,000 – $25,000Dividends paid monthly based on aggregate balance. | 0.19% | $19 | Dividends paid monthly based on aggregate balance. |
| $25,000 – $50,000Dividends paid monthly based on aggregate balance. | 0.25% | — | Dividends paid monthly based on aggregate balance. |
| $50,000 and upDividends paid monthly based on aggregate balance. | 0.30% | — | Dividends paid monthly based on aggregate balance. |
Membership Savings
0.01%APY
A minimum balance of $250 is required to earn dividends. Establishes credit union membership.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $250 – $2,500 | 0.01% | — |
| $2,500 – $20,000 | 0.01% | $1 |
| $20,000 – $50,000 | 0.01% | — |
| $50,000 – $75,000 | 0.02% | — |
| $75,000 and up | 0.05% | — |
Special-purpose accounts
Youth Savings
0.50%APY
For ages 0-12.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.50% | $50 |
Christmas Club
0.02%APY
Funds are transferred to a specified SMW 104 Federal Credit Union Share account or disbursed by check upon request on the first working day of November. Final day to deposit is October 31st.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 0.02% | $2 |
IRA Savings
0.01%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Over $0 | 0.01% | $1 |
Closed to new customers
Teen Savings
0.50%APY
Grandfathered product. For ages 13-17.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 0.50% | $50 |
Vacation Pay Savings
0.02%APY
Grandfathered product.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 and up | 0.02% | $2 |
Sources (1)
- smw104fcu.org/checking · captured Sep 16, 2026
Who can join Sheet Metal Workers Local 104 Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.