Credit Unions | Smw 104 Federal Credit Union
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Smw 104 Federal Credit Union


Smw 104 Federal Credit Union is a NCUA insured federal credit union headquartered at 3156 Constitution Dr, Livermore, CA 94551.
It was founded in 1962 and has approximately $114 million in assets. Customers can open an account at one of its 3 branches.

Deposit Rates - February 04, 2026

SAVINGS RATES APY MIN
Savings
0.13% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.40% $10,000 Compare
6 Mo CD
0.45% $100,000 Compare
12 Mo CD
0.45% $10,000 Compare
12 Mo CD
0.50% $100,000 Compare
18 Mo CD
0.50% $10,000 Compare
18 Mo CD
0.55% $100,000 Compare
24 Mo CD
0.55% $10,000 Compare
24 Mo CD
0.60% $100,000 Compare
36 Mo CD
0.60% $10,000 Compare
36 Mo CD
0.65% $100,000 Compare
MM RATES APY MIN
Money Market
0.25% $2,500 Compare
Money Market
0.28% $10,000 Compare
Money Market
0.30% $25,000 Compare
INT CHECKING RATES APY MIN
Int Ckg
0.03% $2,500




Overview 2026

General Credit Union Information

NCUA Insured Yes / Federally Chartered
Charter Number # 14934
Date Established 1962
Assets $113.86 million
Loans $48.89 million
Deposits $99.52 million
Capital $13.49 million


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Branches

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Smw 104 Federal Credit Union Locations

Savings Comparison

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."

PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES

Tax Rate: 30%

All calculations are for demonstration purposes only."

  • 1
    LOCAL SAVINGS
    SMW 104
    Credit Union
    CALIFORNIA
    $50,000
    N.A.
    0.13%
    0.56x (National Avg. - 0.23%)
    $2,500
    -
    SCENARIO
    Year Rate
    0.13%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 63 44
    2 50,063 63 44
    3 50,125 63 44
    4 50,188 63 44
    5 50,250 63 44
    6 50,313 63 44
    7 50,376 63 44
    8 50,439 63 44
    9 50,502 63 44
    10 50,565 63 44
    11 50,629 63 44
    12 50,692 63 44
    13 50,755 63 44
    14 50,819 64 44
    15 50,882 64 45
    16 50,946 64 45
    17 51,009 64 45
    18 51,073 64 45
    19 51,137 64 45
    20 51,201 64 45
    TOTAL $1,265 $885
  • 2
    ONLINE SAVINGS
    First Foundation Bank , ★ TOP PICK ★
    Bank
    -
    $50,000
    N.A.
    3.75%
    16.67x (National Avg. - 0.23%)
    $1,000
    -
    SCENARIO
    Year Rate
    3.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,875 1,313
    2 51,875 1,945 1,362
    3 53,820 2,018 1,413
    4 55,839 2,094 1,466
    5 57,933 2,172 1,521
    6 60,105 2,254 1,578
    7 62,359 2,338 1,637
    8 64,697 2,426 1,698
    9 67,124 2,517 1,762
    10 69,641 2,612 1,828
    11 72,252 2,709 1,897
    12 74,962 2,811 1,968
    13 77,773 2,916 2,042
    14 80,689 3,026 2,118
    15 83,715 3,139 2,198
    16 86,854 3,257 2,280
    17 90,111 3,379 2,365
    18 93,491 3,506 2,454
    19 96,996 3,637 2,546
    20 100,634 3,774 2,642
    TOTAL $54,408 $38,085


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