Smw 104 Federal Credit Union

Headquarters

3156 Constitution Dr
Livermore, CA 94551
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.13% 5.50% →
1-Year CD 0.50% 4.80% →
2-Year CD 0.60% 4.25% →
5-Year CD N.A. 4.00% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

Reviewed by Gdanalynn | December 17, 2022

Let me start by saying, this is a garbage institution. They do not carry cash at all. You have to go to another bank to withdraw the cash from your own account. What is the point of having an account here? Over the years I have seen how this bank Has not done their job, they never answer the phone even after they’re moved to Livermore, the staff there don’t follow through what they say they’re going to do they make constant mistakes on your account and your own money, they ignore the customers request and get it wrong because they don’t pay attention to what they’re doing there with your own money . What kind of bank doesn’t let their customers know that they’re own chip on their debit cards that they issued do not even work? What kind of bank doesn’t let customers know when they’re withholding funds for 15 to 20 days and don’t even bother letting you know that they’re doing that? what kind of bank does NOT pay attention to the actual account holder name to even legally hold funds on an order that is not even in the account holders name? Who does that? Incompetent staff there that don’t give a damn as long as it’s not their money but they’re quick to take your money and make money off of you having accounts in their bank to keep their jobs. We don’t trust them as far as we can throw them with any other accounts to open up there, as well as their financial advice to open up more accounts there which is ridiculous. I expect more from a crap bank and they’re way below that you’re better off putting your money in a mattress And having control of it and then having an account at this crap bank. I’m pretty sure they’re losing customers left and right there is no incentive for customers except for them making money off your money in their pockets. If I were you, I would take my money out of there and close your account here as soon as possible , because there are other credit unions that actually have cash in them that can give them to you in person and answer the phone and help you and are actually competent enough to do their job. This bank is on the lowest of the shit list.


2024 Overview

General Credit Union Information

Smw 104 is an NCUA insured institution located in Livermore, CA. It was founded in 1962 and has approximately $104.54 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 14934
Date Established 1962
Assets $104.54 million
Loans $51.32 million
Deposits $92.95 million
Capital $11.43 million
 

Field of Membership Restrictions

Must be a member or apprentice of Local 104, Sheet Metal Workers’ International Association, in California. Also open to members or employees of several other association and companies.

Deposit Rates - November 4, 2024

Your Current Location: Ohio, OH 43085

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.13% $2,500 $4,999 Learn More
Money Market
0.25% $2,500 $2,999 Learn More
Money Market
0.28% $10,000 $14,999 Learn More
Money Market
0.30% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.40% $10,000 $14,999 Learn More
6 Mo CD
0.45% $100,000 $199,999 Learn More
12 Mo CD
0.45% $10,000 $14,999 Learn More
12 Mo CD
0.50% $100,000 $199,999 Learn More
18 Mo CD
0.50% $10,000 $14,999 Learn More
18 Mo CD
0.55% $100,000 $199,999 Learn More
24 Mo CD
0.55% $10,000 $14,999 Learn More
24 Mo CD
0.60% $100,000 $199,999 Learn More
36 Mo CD
0.60% $10,000 $14,999 Learn More
36 Mo CD
0.65% $100,000 $199,999 Learn More
Int Checking Rates APY MIN MAX
Int Ckg
0.03% $2,500 $3,499 Learn MoreShow Less

Loan Rates - November 4, 2024

Your Current Location: Ohio, OH 43085

There are currently no loan rates available for Smw 104

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:



Featured - Ohio 30 Year Fixed Mortgage Rates 2024

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
District Lending
NMLS ID: 1835285
6.380% 6.250% 0.88 $4,400 $1,971 Learn More
PenFed Credit Union
NMLS ID: 401822
6.818% 6.625% 1.00 $6,400 $2,049 Learn More
Mutual of Omaha Mortgage, Inc.
NMLS ID: 1025894
6.984% 6.875% 0.88 $3,545 $2,103 Learn More
Rocket Mortgage
NMLS ID: 3030
7.200% 7.125% 0.75 $2,400 $2,156 Learn More

Featured - Ohio Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
Intro APR
7.490 %
After Intro: 7.490 %
$0 Learn More
More Info

Note to Smw 104
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Below are Smw 104 branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Columbus,Ohio


Smw 104 Locations around zip code 43085


BranchDistance Map View Lobby Hours

SMW 104 FCU

2081.95 A View Lobby Hours


Climate Policy and Initiatives

SMW 104 is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.


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Financial Details

Smw 104 Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Smw 104. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Smw 104 U.S. Average
2.03% 5.83

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2024, Smw 104 had $214,775 in non-current loans and $22,171 in owned assets. To cover these potential losses it had $11,425,012 in net worth and $222,418 in loans loss reserves. That gives it a Texas Ratio of 2.03%.

Net Worth
Smw 104 U.S. Average
10.93% 13.93%

Smw 104 FCU has a net worth of 10.93% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.



Customer Reviews for Smw 104


  • December 17, 2022

    Let me start by saying, this is a garbage institution. They do not carry cash at all. You have to go to another bank to withdraw the cash from your own account. What is the point of having an account here? Over the years I have seen how this bank Has not done their job, they never answer the phone even after they’re moved to Livermore, the staff there don’t follow through what they say they’re going to do they make constant mistakes on your account and your own money, they ignore the customers request and get it wrong because they don’t pay attention to what they’re doing there with your own money . What kind of bank doesn’t let their customers know that they’re own chip on their debit cards that they issued do not even work? What kind of bank doesn’t let customers know when they’re withholding funds for 15 to 20 days and don’t even bother letting you know that they’re doing that? what kind of bank does NOT pay attention to the actual account holder name to even legally hold funds on an order that is not even in the account holders name? Who does that? Incompetent staff there that don’t give a damn as long as it’s not their money but they’re quick to take your money and make money off of you having accounts in their bank to keep their jobs. We don’t trust them as far as we can throw them with any other accounts to open up there, as well as their financial advice to open up more accounts there which is ridiculous. I expect more from a crap bank and they’re way below that you’re better off putting your money in a mattress And having control of it and then having an account at this crap bank. I’m pretty sure they’re losing customers left and right there is no incentive for customers except for them making money off your money in their pockets. If I were you, I would take my money out of there and close your account here as soon as possible , because there are other credit unions that actually have cash in them that can give them to you in person and answer the phone and help you and are actually competent enough to do their job. This bank is on the lowest of the shit list.


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