SMW Financial Credit Union Savings & Money Market Rates

How SMW Financial Credit Union’s savings 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
3.00%APY
Requires
Monthly account activity
Minimum
$0
Earns on $10,000 a year
$300
Rewards Saver
Top rate
VisionBank
3.76%APY
Requires
None
Minimum
$1,000
Earns on $10,000 a year
$376
VisionBank rates
2nd-highest rate
UMB Bank
3.71%APY
Requires
None
Minimum
—
Earns on $10,000 a year
$371
UMB Bank rates

Compare savings rates near you →

89

Savings score

Higher than 87% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.02%
$10,000 balance$10,0002.25%
$100,000 balance$100,0002.75%
QualifiedQualified3.00%

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.

How the score works →

Where SMW Financial 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.

Rewards Saver

Up to 3.00%APYRequirements apply

Available to Rewards Checking account holders. Must meet monthly qualification cycle requirements (at least $1,000 in direct deposit/ACH credits per month, at least 15 debit card purchases of at least $3, and enrolled in eStatements) to earn qualifying rates; otherwise earns base interest rate.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $25,000Qualifying rate requires at least $1,000 in direct deposit/ACH credits per month, at least 15 debit card purchases of at least $3, and enrollment in eStatements in Rewards Checking during each Monthly Qualification Cycle.	3.00%	$300	Qualifying rate requires at least $1,000 in direct deposit/ACH credits per month, at least 15 debit card purchases of at least $3, and enrollment in eStatements in Rewards Checking during each Monthly Qualification Cycle.
Any balanceBase rate paid on all balances if Monthly Qualification Cycle requirements in Rewards Checking are not met.	0.02%	$2	Base rate paid on all balances if Monthly Qualification Cycle requirements in Rewards Checking are not met.
Over $25,000Applies to portion of balance over $25,000 when meeting Rewards Checking qualifications.	0.75%	—	Applies to portion of balance over $25,000 when meeting Rewards Checking qualifications.

Sources (4)

All captured Oct 5, 2026

Wealth Builder Venture Money Market Savings

0.00%APY$25,000 to open

$50 monthly maintenance fee waived by maintaining a $25,000 minimum balance. Free eServices and $25,000 minimum deposit to open. Direct check writing with 6 free pre-authorized/draft/check/electronic transactions per month, $10 per excess transaction thereafter.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $25,000$50 monthly fee waived with $25,000 minimum balance.	0.00%	$0	$50 monthly fee waived with $25,000 minimum balance.
$25,000 – $50,000$50 monthly fee waived with $25,000 minimum balance.	2.25%	—	$50 monthly fee waived with $25,000 minimum balance.
$50,000 – $100,000$50 monthly fee waived with $25,000 minimum balance.	2.50%	—	$50 monthly fee waived with $25,000 minimum balance.
$100,000 and up$50 monthly fee waived with $25,000 minimum balance.	2.75%	—	$50 monthly fee waived with $25,000 minimum balance.

Sources (2)

All captured Oct 5, 2026

Wealth Builder Money Market Savings

2.25%APY

$10 monthly maintenance fee waived by maintaining a $2,500 minimum balance. Free eServices and no minimum deposit to open. Direct check writing with 6 free pre-authorized/draft/check/electronic transactions per month, $10 per excess transaction thereafter.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $2,500$10 monthly fee waived with $2,500 minimum balance.	0.00%	—	$10 monthly fee waived with $2,500 minimum balance.
$2,500 – $10,000$10 monthly fee waived with $2,500 minimum balance.	2.00%	—	$10 monthly fee waived with $2,500 minimum balance.
$10,000 – $50,000$10 monthly fee waived with $2,500 minimum balance.	2.25%	$225	$10 monthly fee waived with $2,500 minimum balance.
$50,000 and up$10 monthly fee waived with $2,500 minimum balance.	2.50%	—	$10 monthly fee waived with $2,500 minimum balance.

Sources (2)

All captured Oct 5, 2026

Share Savings

0.02%APY$25 to open

Gain membership to SMW Financial Credit Union. $25 minimum deposit to open. Earn dividends on balances of $250 or more.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $249	0.00%	—
$250 – $10,000	0.02%	—
$10,000 and up	0.02%	$2

Sources (3)

All captured Oct 5, 2026

Special-purpose accounts

IRA Share Savings

0.05%APYIRA$25 to open

Traditional and Roth IRA options available. $25 minimum deposit to open. No setup fees and no monthly or annual maintenance fees.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $10,000	0.05%	—
$10,000 – $50,000	0.05%	$5
$50,000 – $100,000	0.05%	—
$100,000 and up	0.05%	—

Sources (3)

All captured Oct 5, 2026

Union Holiday Savings

0.05%APYClubPromotional$5 to open

Available exclusively to Local 10 Union members. Requires a $25 share savings account. $5 minimum deposit to open. $5 monthly maintenance fee if accountholder does not have Rewards Checking, Wealth Builder Savings, or any SMW FCU loan. Early withdrawal not permitted; funds available on Wednesday before Thanksgiving.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$5 and upAvailable exclusively to Local 10 Union members with a $25 share savings account. $5 monthly maintenance fee waived if accountholder has Rewards Checking, Wealth Builder Savings, or any SMW FCU loan. Funds available Wednesday before Thanksgiving.$5 and up	0.05%	$5	Available exclusively to Local 10 Union members with a $25 share savings account. $5 monthly maintenance fee waived if accountholder has Rewards Checking, Wealth Builder Savings, or any SMW FCU loan. Funds available Wednesday before Thanksgiving.

Sources (3)

All captured Oct 5, 2026

Union Vacation Savings

0.05%APYClub$5 to open

Available exclusively to Local 10 Union members. Requires a $25 share savings account. $5 minimum deposit to open. $5 monthly maintenance fee if accountholder does not have Rewards Checking, Wealth Builder Savings, or any SMW FCU loan. Unlimited withdrawals permitted, but a $5 balance is required to maintain the account.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $2,500Available exclusively to Local 10 Union members with a $25 share savings account. $5 monthly maintenance fee waived if accountholder has Rewards Checking, Wealth Builder Savings, or any SMW FCU loan. $5 balance required to maintain account.	0.05%	—	Available exclusively to Local 10 Union members with a $25 share savings account. $5 monthly maintenance fee waived if accountholder has Rewards Checking, Wealth Builder Savings, or any SMW FCU loan. $5 balance required to maintain account.
$2,500 – $10,000Available exclusively to Local 10 Union members with a $25 share savings account. $5 monthly maintenance fee waived if accountholder has Rewards Checking, Wealth Builder Savings, or any SMW FCU loan. $5 balance required to maintain account.	0.05%	—	Available exclusively to Local 10 Union members with a $25 share savings account. $5 monthly maintenance fee waived if accountholder has Rewards Checking, Wealth Builder Savings, or any SMW FCU loan. $5 balance required to maintain account.
$10,000 and upAvailable exclusively to Local 10 Union members with a $25 share savings account. $5 monthly maintenance fee waived if accountholder has Rewards Checking, Wealth Builder Savings, or any SMW FCU loan. $5 balance required to maintain account.	0.05%	$5	Available exclusively to Local 10 Union members with a $25 share savings account. $5 monthly maintenance fee waived if accountholder has Rewards Checking, Wealth Builder Savings, or any SMW FCU loan. $5 balance required to maintain account.

Sources (3)

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.

Check membership requirements ↗Branches and institution details

How SMW Financial Credit Union’s savings rates compare

SMW Financial Credit Union savings score

Current savings rates

Rewards Saver

Wealth Builder Venture Money Market Savings

Wealth Builder Money Market Savings

Share Savings

Special-purpose accounts

IRA Share Savings

Union Holiday Savings

Union Vacation Savings

Who can join SMW Financial Credit Union

Where you live or work