SMW Financial Credit Union

CAPTURE MORE CASH

And Bring Your Dreams Into Focus!

What do your daydreams look like? What if everything clicked and they became reality? It’s possible when you take advantage of a loan from SMW Financial Credit Union!  

Here's just a snapshot of our offerings:

NEW AUTO LOAN1

Rev up a deal on your next set of wheels.

• Model years 2015+ qualify as new!
• Up to 72 month term as low as 2.99% fixed rate

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USED AUTO LOAN2

Ride in style and shift your savings into high gear.

• As low as 3.49% fixed rate for 5 years

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HOME EQUITY LOAN3

Turn your home's equity into opportunities, such as home improvements, college, a vacation and more!

• As low as 3.99% fixed APR* for 5 years

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HOME EQUITY LINE OF CREDIT4

Draw on your line whenever you want and for whatever purpose you wish. 

• As low as 5.69% APR*

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PERSONAL LINE OF CREDIT5

Get the green you need for all your dreams.

• As low as 9.75% APR*

For more information about our loan offerings, simply complete the form below and click "Submit."

*APR = Annual Percentage Rate. Actual rate is determined by credit history of borrower. Membership eligibility required. All rates advertised are effective September 15, 2019, to November 15, 2019, and are subject to change based on market conditions and borrower eligibility. May not be combined with other offers. These offers apply to new loans with new applications and do not apply to existing SMW FCU loans.
1New Auto Loan: 
Advertised rate based on credit scores of 710+ and a loan term of 5 years. Other rates and terms are available. SMW FCU finances current and five previous model years, 100% of purchase price + tax + license + warranty up to 110%. The maximum interest rate for new auto loans is 15% APR. Minimum approved loan amount is $2,000. Payment example: a 60 month loan of $25,000 at a 2.99 fixed rate / 3.11 APR will have 60 payments of $18.00 per $1,000 borrowed.
2Used Auto Loan: 
Advertised rate based on credit scores of 710+ and a loan term of 5 years. SMW FCU uses N.A.D.A. retail or purchase price, whichever is lower. Includes sales tax and licensing. Vehicles up to 8 years old. Vehicles older than 5 years may require a percentage down payment. The maximum interest rate is 15% APR. Minimum loan amount is $2,000. Other rates and terms available. Payment example: a 60 month loan of $15,000 at a fixed 3.49 rate / 3.69 APR will have 60 payments of $18.00 per $1,000 borrowed.
3Home Equity Loan (fixed rate): 
APR = Annual Percentage Rate. The as low as rate of 3.99% APR is for a fixed-rate Home Equity Loan with a 5-year term, 80% LTV, a credit score of 710+ and an automatic payment. Actual rate is based on credit history of borrower. Other rates and terms available. An appraisal may be required at time of application, paid for by the borrower. Offer good as of August 1, 2019. Available rates from 3.99% APR to 8.49% APR based on credit history of borrower. Property insurance required. Consult a tax advisor regarding the deductibility of interest. First or second mortgage on a primary residence located in MN or WI. Full amount is paid out at the beginning of the loan. Standard closing costs are waived up to $500. Flood insurance may be required.
4Home Equity Line of Credit: 
The stated rate is the lowest rate offered on a maximum 10-year term with loan-to-value of less than 80% of property value determined by average of current property value and Zillow/Trulia value minus any first lien. Appraisal required for loans over $75,000. Borrower pays for appraisal if needed. The stated rate is effective as of August 22, 2019. It is a variable rate based on The Wall Street Journal Prime Rate. Standard closing costs are waived up to $500. Minimum loan amount $5,000 and maximum $250,000. Maximum rate adjusted plus or minus 2.00% per adjustment. Owner’s property insurance required. First draw is a minimum of $5,000. $50 annual fee. Consult a tax advisor regarding the deductibility of interest. Flood insurance may be required.
5Personal Line of Credit: 
Personal lines of credit are effective as of August 1, 2019, and subject to change based on market conditions and borrower eligibility. Available rates 9.75% APR to 18.00% APR based on credit history of borrower. $25 annual fee. Monthly payment is $25 or 2.0% of outstanding balance, whichever is greater. Minimum $500. Maximum $10,000.