SMW 104 Federal Credit Union offers many opportunities to save and invest with a variety of share certificates. All of the accounts are insured up to $250,000 by the National Credit Union Administration (NCUA).   Please contact our office regarding coverage amounts for IRA and Trust Accounts.


Deposits can be made in cash, check, payroll deduction, direct deposit, using our Mobile Deposit App, at any CO-OP Shared Branch location or via ATM using your SMW 104 Federal Credit Union issued ATM or Visa Debit card.

Share Certificates

We offer competitive rates on our Share Certificates with terms from three months up to thirty six months. The minimum amount to open a Share Certificate is $1,000. Share Certificates with terms of eighteen months up to thirty six months are eligible to “bump-up” the rate to today’s rate once during the current term upon request. If you need to access the funds prior to maturity, we assess a minimal 30-day penalty.


Traditional IRA and Roth IRA Accounts

Our IRA accounts pay a competitive dividend and provide a tax-deferred source of income for your golden years.


IRA Certificates

Our IRA Certificates combine the high yields of share certificates with the tax advantages of an IRA account.


 See current rates >