Credit union · NCUA insured
SM Federal Credit Union Savings Rates
SM Federal Credit Union’s best savings rate is 0.50% APY on $10,000, with its Share Account. Rates checked October 16, 2026.
How SM Federal Credit Union’s savings 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
0.50%APY
- Minimum
- —
- Earns on $10,000 a year
- $50
Share Account
Top rate
Truity Credit Union
3.75%APY
- Minimum
- $0
- Earns on $10,000 a year
- $375
2nd-highest rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
SM Federal Credit Union savings score
80
Savings score
Higher than 51% of U.S. banks and credit unions
- $1,000 balance$1,0000.40%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0001.21%
- QualifiedQualified0.50%
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 SM 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.
Share Account
0.50%APY
Compounded daily and credited quarterly. Tiered interest rate applied automatically based on balance.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $9,999Compounded daily and credited quarterly | 0.40% | — | Compounded daily and credited quarterly |
| $10,000 – $24,999Compounded daily and credited quarterly | 0.50% | $50 | Compounded daily and credited quarterly |
| $25,000 – $49,999Compounded daily and credited quarterly | 0.80% | — | Compounded daily and credited quarterly |
| $50,000 – $99,999Compounded daily and credited quarterly | 1.00% | — | Compounded daily and credited quarterly |
| $100,000 and upCompounded daily and credited quarterly | 1.21% | — | Compounded daily and credited quarterly |
Special-purpose accounts
IRA Account
3.03%APY
Compounded daily and credited quarterly. Traditional IRA offers tax-deferred earnings; Roth IRA offers tax-free withdrawals.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceCompounded daily and credited quarterlyAny balance | 3.03% | $303 | Compounded daily and credited quarterly |
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This may be incomplete or out of date, so check with the credit union before you apply.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.