--- title: "SM Credit Union Rates (Nov 2026): CDs to 3.03%" description: "SM Credit Union rates today: savings & CDs up to 3.03% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join SM Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/kansas/sm" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # SM Credit Union Rates (Nov 2026): CDs to 3.03% ### Savings & CD rates 10 offers | Product | Published | Rate | Term / condition | Status | | **Account #: (.40%*)** savings | — APY | 0.40% | — | Standard | | **Account #: ($25.00 - $9,999.00)** savings | — APY | 0.40% | — | Standard | | **Account #: (.50%*)** savings | — APY | 0.50% | — | Standard | | **Account #: ($10,000.00 - $24,999.00)** savings | — APY | 0.50% | — | Standard | | **Account #: ($25,000.00 - $49,999.00)** savings | — APY | 0.80% | — | Standard | | **Account #: (.80%*)** savings | — APY | 0.80% | — | Standard | | **Account #: ($50,000.00 - $99,999.00)** savings | — APY | 1.00% | — | Standard | | **Account #: (1.00%*)** savings | — APY | 1.00% | — | Standard | | **Account #: (1.21%*)** savings | — APY | 1.20% | — | Standard | | **Daily** savings | 3.03% APY | 3.00% | — | Standard | SM Credit Union savings & cd rates as of November 12, 2026 ### Other rates 6 offers | Product | Published | Rate | Term / condition | Status | | **Account #: ($100,000.00 - above)** other | — % | 1.200% | — | Standard | | **Member Benefits (Annual Percentage Rate)** other | — % | 4.000% | — | Standard | | **Member Benefits (10 Year Term)** other | — % | 4.000% | — | Standard | | **Member Benefits (15 Year Term (with 20% Down))** other | — % | 4.250% | — | Standard | | **Member Benefits (Annual Percentage Rate No PMI Required)** other | — % | 4.375% | — | Standard | | **Member Benefits (15 Year Term (with 10% Down))** other | — % | 4.375% | — | Standard | SM Credit Union other rates as of November 12, 2026 Savings and certificate yields up to 3.03% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/kansas/sm) , verified from [SM Credit Union's official website](https://smfederal.org/) Loading branch locator… ## About SM Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 2.4K Assets $77.8M Founded 1960 Locations reported 2 NCUA charter 13941 Charter type Federal credit union ### Services and member support - Online loan application - Electronic statements - Mobile check deposit - Mobile payments Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . 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. [**Azura** Mission · Mission · KS · 66202 About 0.3 miles away](https://rateapi.dev/credit-unions/kansas/azura) [**Mainstreet** Mission · Mission · KS · 66202 About 0.6 miles away](https://rateapi.dev/credit-unions/kansas/mainstreet) [**Farmers Insurance** Farmers Insurance Group Federal Credit Union · Overland Park · KS · 66204-2950 About 2.1 miles away](https://rateapi.dev/credit-unions/california/farmers-insurance) [**K.u.m.c.** Shawnee · Shawnee · KS · 66216-1869 About 3.3 miles away](https://rateapi.dev/credit-unions/kansas/kumc) [**Mid American** Overland Park Branch · Overland Park · KS · 66212 About 3.8 miles away](https://rateapi.dev/credit-unions/kansas/mid-american) [**Communityamerica** Prairie Village · Prairie Village · KS · 66208 About 4.2 miles away](https://rateapi.dev/credit-unions/kansas/communityamerica) 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 SM Credit Union Membership eligibility from SM Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership via employers (US Postal Service +1 more) - Location Johnson, Wyandotte - Employer US Postal Service, Federal Aviation Administration **Cost to join:** About $25. Verified from [SM Credit Union's membership page](https://smfederal.org/membership.php) . Final membership determination is always made by the credit union. ## Membership rules for SM Credit Union Employers · Family 2 published paths to membership, last verified August 21, 2026, quoted from SM Credit Union’s own published criteria. ### Employers 1 Human-reviewed quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of United States Postal Service “You may qualify for membership if you are an Employee of the US Postal Service in Johnson or Wyandotte Counties” > [source ↗](https://smfederal.org/membership.php) - Employee of United States Postal Service ### Family 1 Human-reviewed quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member grandparent, parent, spouse, sibling, child, grandchild, household member “Also, immediate family members, defined as "persons related to the member by blood, marriage, or other recognized family relationship in the same household (under the same roof), or if not in the same household, as a grandparent, parent, spouse, sibling, child, or grandchild.” > [source ↗](https://smfederal.org/membership.php) - Family member (grandparent, parent, spouse, sibling, child, grandchild, household member) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for SM Credit Union? Yes No ## Work at SM Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where SM Credit Union ranks against Kansas peers. - See which AI assistants fetched SM Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Kansas - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=sm&state=kansas&code=KS&name=SM%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does SM Credit Union offer? SM Credit Union is a credit union in Kansas. Rate data is currently being verified. ### How often are SM Credit Union rates updated? RateAPI verifies SM Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get SM Credit Union's rate data? Rate data is collected directly from SM Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is SM Credit Union's best CD rate? As of November 12, 2026, SM Credit Union offers savings and certificate (CD) yields up to 3.03% APY. ### Who can join SM Credit Union? Membership via employers (US Postal Service +1 more) RateAPI tracks 2 published membership paths covering 1 employer for SM Credit Union, each quoted from SM Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare SM Credit Union's rates against national credit-union benchmarks. [More Kansas credit unions](https://rateapi.dev/credit-unions/kansas) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://smfederal.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track SM Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Kansas credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for SM Credit Union curl "https://api.rateapi.dev/credit-unions/kansas /sm " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## SM Credit Union locations Search, filter, and browse all 2 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/kansas/sm Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp