SMW 104

livermore, California
Last verified: July 15, 2026

As of July 15, 2026, SMW 104 offers a ira mortgage at 0.01% APR (0.01% rate, 0 points). Auto loans available from 5.74% APR. HELOC rates from 7.25% APR. Personal loan rates from 9.95% APR.

Source: RateAPI.dev, verified from SMW 104's official website

Who Can Join SMW 104

Membership eligibility from SMW 104's own published criteria. How we verify this.

Membership criteria are published on SMW 104's website. Check the membership page below to confirm whether you qualify.

Verified from SMW 104's membership page. Final membership determination is always made by the credit union.

Mortgage Rates

Rates as of July 15, 2026

ira
0.010% APR
Rate0.010%
Points0
IRA Savings
savings
0.010% APR
Rate0.010%
Points0
Membership Savings
savings
0.020% APR
Rate0.020%
Points0
Christmas Club
savings
0.020% APR
Rate0.020%
Points0
Vacation Pay Checking
savings
0.020% APR
Rate0.020%
Points0
Vacation Pay Savings
money_market
0.140% APR
Rate0.140%
Points0
Money Market
savings
0.500% APR
Rate0.490%
Points0
Teen Savings
savings
0.500% APR
Rate0.490%
Points0
Youth Savings
share_certificate
0.850% APR
Rate0.840%
Points0
Share Certificate
share_certificate
3.000% APR
Rate2.950%
Points0
Liquid Share Certificate
savings
3.000% APR
Rate3.000%
Points0
Savings Secured
share_certificate
4.000% APR
Rate3.910%
Points0
Teen Share Certificate
share_certificate
4.000% APR
Rate3.910%
Points0
Youth Share Certificate

Auto Loan Rates

Rates as of July 15, 2026

auto_new
5.740% APR
Rate5.740%
New Auto
auto_any
5.740% APR
Rate5.740%
New and Used Autos
auto_new
7.240% APR
Rate7.240%
New Motorcycles, Dirt Bikes
auto_new
7.250% APR
Rate7.250%
New Boats, Sail Boats, Boat Trailers, Jet Skies, Wave Runners, ATVs, UTVs
auto_new
7.740% APR
Rate7.740%
New RVs, Motor Homes, Travel Trailers, 5th Wheel Trailers
auto_used
7.740% APR
Rate7.740%
Used Motorcycles, Dirt Bikes
credit_card_platinum
7.900% APR
Rate7.900%
Visa Platinum
auto_used
7.990% APR
Rate7.990%
Used Boats, Sail Boats, Boat Trailers, Jet Skies, Wave Runners, ATVs, UTVs
auto_used
7.990% APR
Rate7.990%
Used RVs, Motor Homes, Travel Trailers, 5th Wheel Trailers
credit_card
10.500% APR
Rate10.500%
Visa Classic

HELOC Rates

Rates as of July 15, 2026

heloc_variable
7.250% APR
Rate7.250%
Home Equity Line of Credit (HELOC)
heloc_fixed
7.740% APR
Rate7.740%
Home Equity Fixed Rate

Personal Loan Rates

Rates as of July 15, 2026

personal_unsecured
9.950% APR
Rate9.950%
Personal Loans

Frequently Asked Questions

What rates does SMW 104 offer?

SMW 104 currently offers mortgage, auto loan, HELOC, and personal loan rates. The rates shown on this page were last verified July 15, 2026 directly from the credit union's official website.

How often are SMW 104 rates updated?

RateAPI verifies SMW 104's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified July 15, 2026.

Where does RateAPI get SMW 104's rate data?

Rate data is collected directly from SMW 104's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is SMW 104's mortgage rate?

As of July 15, 2026, SMW 104 offers a ira mortgage at 0.01% APR.

What is SMW 104's auto loan rate?

As of July 15, 2026, SMW 104 offers auto loans from 5.74% APR.

Related Rate Data

Compare SMW 104's rates against national credit-union benchmarks.

More California credit unionsMortgage rate benchmarkAuto loan rate benchmarkHELOC ratesPersonal loan 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.

View Original Source

Methodology

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

View Methodology

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Access this data programmatically with our REST API

terminal
# Get rates for SMW 104
curl "https://api.rateapi.dev/credit-unions/california/smw-104" \
  -H "Authorization: Bearer YOUR_API_KEY"
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