Let’s face it – saving is not always easy.  SMART Federal Credit Union is here to help!  From weddings to college, to vacations or retirement, let us help you save and enjoy your earnings!  We try to keep our rates as competitive as possible to ensure you get the most for your money. 

Rates as of September 4, 2018

Regular Savings accounts

Earn .05% APY* with an average balance of $100 per quarter. Minimum balance of $5.

Checking Accounts

Earn .05% APY* with an average balance of $1,000 per quarter. No minimum balance required.



Add to your savings-a few cents at a time! That spare change really adds up...


Make savings as simple as 1,2,3...cents!  SMART Cents allows you to use your SMART Debit Card as you normally would, and automatically round up your purchase to the nearest dollar.  The "cents" will automatically be transferred to your savings account.  

Example: a $4.23 purchase = $0.77 to your savings! 

Simply email to set up!

Just swipe your debit card and SAVE! 

how cents-ible! 

Money Market Accounts

Minimum balance of $1,000.00 to earn dividends. Dividends compounded monthly.

$1,000 - $9,999         .30% APY* 

$10,000 - $24,999     .40% APY*

$25,000 or more        .50% APY *


Minimum balance of $1,000.00

Youth certificate (6 mos.) .60% APY*
Youth certificate must be on minor’s account.

6 mos - .58% APY*

1 year - 1.12% APY*

2 year - 1.61% APY*

3 year - 1.61% APY*

4 year - 1.61% APY*

5 year - 1.61% APY*

Our rates are subject to change at any time without notice. However, if you see our rates increasing, you have the option to Boost Your Rate on existing certificate of deposit to earn the higher dividend rate for the rest of your term.

IRA certificates

Minimum balance of $2,000.00

1 year - .85% APY*

2 year - 1.31% APY*

*Annual Percentage Yield