Credit union · NCUA insured
SMW Financial Credit Union CD Rates
Top CarrotSMW Financial Credit Union’s best CD rate is 3.50% APY on a 7-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How SMW Financial Credit Union’s CD rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where SMW Financial Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
SMW Financial Credit Union
3.50%APY
- Term
- 7 months
- Minimum
- —
- Earns on $10,000
- $203
CD Specials
Top rate
SouthPoint Financial Credit Union
9.00%APY
- Term
- 9 months
- Minimum
- —
- Earns on $10,000
- $668
2nd-highest rate
Woodlands National Bank
4.87%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,684
SMW Financial Credit Union CD score
68
CD score
Higher than 22% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo3.30%
- 16–30 months16–30 mo1.55%
- 31–60 months31–60 mo2.00%
- 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 SMW Financial 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.
CD Specials
Up to 3.50%APY · 2 terms
Limited-time offer. Membership eligibility is required. Penalty for early withdrawal. Rates subject to change, end, or extend at any time without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsFunds roll over into a 6-month standard certificate upon maturity | 3.50% | $203 |
| 13 monthsFunds roll over into a 12-month standard certificate upon maturity | 3.30% | $358 |
Certificates of Deposit (CDs)
Up to 2.00%APY · 7 terms
Also referred to as Basic CD. Fixed rates; dividends compounded and credited monthly. Terms from 6 months to 5 years. No setup or maintenance fees. Early withdrawals subject to penalty (minimum penalty is $25). $500 minimum deposit to open.
| Term | APY · $500 – $10,000 | APY · $10,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 6 months | 1.00% | 1.00% | 1.00% | 1.00% | 1.00%1.00% $500–$10k1.00% $50k–$100k1.00% from $100k | $50 |
| 12 months | 1.30% | 1.30% | 1.30% | 1.30% | 1.30%1.30% $500–$10k1.30% $50k–$100k1.30% from $100k | $130 |
| 24 months | 1.55% | 1.55% | 1.55% | 1.55% | 1.55%1.55% $500–$10k1.55% $50k–$100k1.55% from $100k | $312 |
| 30 months | 1.40% | 1.40% | 1.40% | 1.40% | 1.40%1.40% $500–$10k1.40% $50k–$100k1.40% from $100k | $354 |
| 36 months | 1.60% | 1.60% | 1.60% | 1.60% | 1.60%1.60% $500–$10k1.60% $50k–$100k1.60% from $100k | $488 |
| 48 months | 1.90% | 1.90% | 1.90% | 1.90% | 1.90%1.90% $500–$10k1.90% $50k–$100k1.90% from $100k | $782 |
| 60 months | 2.00% | 2.00% | 2.00% | 2.00% | 2.00%2.00% $500–$10k2.00% $50k–$100k2.00% from $100k | $1,041 |
Sources (2)
All captured Oct 5, 2026
Wealth Builder CD
Up to 0.40%APY · 3 terms
Requires minimum $25 to open and an automatic payment of $25 or more to certificate once a month required. Additional deposits in any amount permitted anytime during term. Fixed rates; dividends compounded and credited monthly. Terms from 6 months to 5 years (specific rate terms published for 19, 29, and 49 months). Early withdrawals subject to penalty (minimum penalty is $25).
| Term | APY · Up to $10,000 | APY · $10,000 – $50,000 | APY · $50,000 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 19 monthsRequires automatic payment of $25 or more each month | 0.05% | 0.10% | 0.25% | 0.25% | 0.10%0.05% $25–$10k0.25% $50k–$100k0.25% from $100k | $16 |
| 29 monthsRequires automatic payment of $25 or more each month | 0.15% | 0.20% | 0.25% | 0.30% | 0.20%0.15% $25–$10k0.25% $50k–$100k0.30% from $100k | $48 |
| 49 monthsRequires automatic payment of $25 or more each month | 0.25% | 0.40% | 0.45% | 0.50% | 0.40%0.25% $25–$10k0.45% $50k–$100k0.50% from $100k | $164 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Youth Certificate Special
5.00%APY · 1 term
Available for members 17 years of age and under with their own member numbers. Minimum deposit $250.00 and up to $5,000.00. Limited-time offer available 4/01/2026 - 4/30/2026. Penalty for early withdrawal. Membership eligibility required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 monthsLimited-time offer available 4/01/2026 - 4/30/2026 for members 17 years of age and under with their own member numbers | 5.00% | — |
Sources (2)
All captured Oct 5, 2026
Who can join SMW Financial Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is available to anyone who lives, works, worships, attends school, or volunteers in Anoka, Hennepin, Ramsey, or Washington Counties.
Membership information collected October 4, 2026.