Savings

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 June 1, 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. 

Money Market Accounts

Minimum balance of $1,000.00

$1,000 - $9,999         .25% APY 

$10,000 - $24,999     .35% APY

$25,000 or more        .45% APY 

Certificates

Minimum balance of $1,000.00

6 mos - .35% APY

1 year - .76% APY

2 year - 1.31% APY

3 year - 1.56% APY

4 year - 1.75% APY

5 year - 2.18% APY

IRA certificates

Minimum balance of $2,000.00

1 year - .76% APY

2 year - 1.21% APY