Credit union · NCUA insured
SM Federal Credit Union CD Rates
SM Federal Credit Union’s best CD rate is 4.06% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How SM Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Kansas City, MO-KS, where SM Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
SM Federal Credit Union
4.06%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $406
Share Certificates
Top rate
Community National Bank
5.09%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,818
2nd-highest rate
North American Savings Bank
5.00%APY
- Term
- 7 months
- Minimum
- $5,000
- Earns on $10,000
- $289
SM Federal Credit Union CD score
78
CD score
Higher than 47% of U.S. banks and credit unions
- 3–8 months3–8 mo2.27%
- 9–15 months9–15 mo4.06%
- 16–30 months16–30 mo2.27%
- 31–60 months31–60 mo3.03%
- QualifiedQualified4.06%
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 SM 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.
Share Certificates
Up to 4.06%APY · 7 terms
Compounded daily and paid quarterly. Subject to change daily.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsSubject to change daily. 90 day penalty for early withdrawal before maturity | 2.27% | $113 |
| 12 monthsSubject to change daily. 90 day penalty for early withdrawal before maturity | 4.06% | $406 |
| 18 monthsSubject to change daily. 90 day penalty for early withdrawal before maturity | 2.27% | $342 |
| 24 monthsSubject to change daily. 90 day penalty for early withdrawal before maturity | 2.27% | $459 |
| 36 monthsSubject to change daily. 90 day penalty for early withdrawal before maturity | 2.02% | $618 |
| 48 monthsSubject to change daily. 90 day penalty for early withdrawal before maturity | 3.03% | $1,268 |
| 60 monthsSubject to change daily. 90 day penalty for early withdrawal before maturity | 2.02% | $1,052 |
Who can join SM Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Employees of the Federal Aviation Administration in the Kansas City Metro area are eligible for membership.
- Employees of the US Postal Service in Johnson or Wyandotte Counties are eligible for membership.
Family and household
- Immediate family members of a member—defined as persons related by blood, marriage, or other recognized family relationship in the same household, or non-household grandparents, parents, spouses, siblings, children, or grandchildren—are eligible for membership.
Cost to join
- Joining requires a minimum deposit of $25.00 returned with a completed signature card.
Membership information collected October 4, 2026.