SMW Financial Credit Union

Lino Lakes, Minnesota
Last verified: August 4, 2026
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Verified rate book

Current SMW Financial Credit Union rates

3 published offers verified as of August 4, 2026.

How we verify rates

Auto & vehicle rates

2 offers
SMW Financial Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Auto Loanauto4.290% APR4.290%—Standard
New & Used Auto Loanauto_any4.290% APR4.290%anyStandard

HELOC rates

1 offer
SMW Financial Credit Union heloc rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
HELOC (Variable)heloc_variable4.990% APR4.990%—Standard

Auto loans available from 4.29% APR. HELOC rates from 4.99% APR.

Source: RateAPI.dev, verified from SMW Financial Credit Union's official website

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About SMW Financial Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
4.6K
Assets
$92.1M
Founded
1954
Locations reported
2
NCUA charter
68676
Charter type
Federally insured state-chartered credit union

Services and member support

  • Online membership application
  • Online loan application
  • Open an account online
  • Electronic statements
  • Mobile check deposit
  • Financial education

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

Members Choice WVGBS - Sharetec · Lino Lakes · MN · 55014-1131Branch in the same ZIPTopline FinancialCircle Pines · Circle Pines · MN · 55014-1778Branch in the same ZIPEntBlaine · Blaine · MN · 55449About 3.0 miles awayMagnifi FinancialBlaine · Blaine · MN · 55449-6049About 3.0 miles awayBaxterArden Hills · Saint Paul · MN · 55126-6164About 6.0 miles awayBuilding TradesBuilding Trades CU - Shoreview · Shoreview · MN · 55126About 6.0 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join SMW Financial Credit Union

Membership eligibility from SMW Financial Credit Union's own published criteria. How we verify this.

Membership criteria are published on SMW Financial Credit Union's website. Check the membership page below to confirm whether you qualify.

Verified from SMW Financial Credit Union's membership page. Final membership determination is always made by the credit union.

Work at SMW Financial Credit Union?

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Frequently Asked Questions

What rates does SMW Financial Credit Union offer?

SMW Financial Credit Union currently offers Auto loan, and HELOC rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.

How often are SMW Financial Credit Union rates updated?

RateAPI verifies SMW Financial Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.

Where does RateAPI get SMW Financial Credit Union's rate data?

Rate data is collected directly from SMW Financial Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What are SMW Financial Credit Union's auto loan rates?

As of August 4, 2026, SMW Financial Credit Union offers auto loans from 4.29% APR.

What is SMW Financial Credit Union's HELOC rate?

As of August 4, 2026, SMW Financial Credit Union offers home equity lines of credit from 4.99% APR.

Related Rate Data

Compare SMW Financial Credit Union's rates against national credit-union benchmarks.

More Minnesota credit unionsAuto loan rate benchmarkHELOC ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

Track SMW Financial Credit Union rates

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Access this data programmatically with our REST API

terminal
# Get rates for SMW Financial Credit Union
curl "https://api.rateapi.dev/credit-unions/minnesota/smw-financial" \
  -H "Authorization: Bearer YOUR_API_KEY"
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