SMW 104

P.O. BOX 2278
San Leandro, CA 94577


2019 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 14934
Date Established 1962
Assets $102.52 million
Loans $38.87 million
Deposits $93.19 million
Capital $7.99 million

Smw 104 is an NCUA insured institution located in San Leandro, CA. It was founded in 1962 and has approximately $102.52 millions in assets.

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 - September 24, 2019

Your Current Location: Washington, WA 98109

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.10% $2,500 $9,999 Learn MoreShow Less
Money Market
0.12% $10,000 $24,999 Learn MoreShow Less
Money Market
0.15% $25,000 $49,999 Learn MoreShow Less
Fixed IRA
1.50% $1,000 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.70% $1,000 $49,999 Learn MoreShow Less
6 Mo CD
1.05% $1,000 $49,999 Learn MoreShow Less
12 Mo CD
1.45% $1,000 $49,999 Learn MoreShow Less
18 Mo CD
1.60% $1,000 $49,999 Learn MoreShow Less
24 Mo CD
1.75% $1,000 $49,999 Learn MoreShow Less
36 Mo CD
2.05% $1,000 $49,999 Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.25% $1 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.03% $2,500 - Learn MoreShow Less

Loan Rates - September 24, 2019

Your Current Location: Washington, WA 98109

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 - Washington 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 520-CL-25944
3.526% 3.500% 0.38 $805 $1,123 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info

Note to SMW 104
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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.

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Smw 104 Locations

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
3.11% 6.77

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 March 31, 2019, Smw 104 had $250,544 in non-current loans and $0 in owned assets. To cover these potential losses it had $7,994,402 in net worth and $63,948 in loans loss reserves. That gives it a Texas Ratio of 3.11%.

Net Worth
Smw 104 U.S. Average
7.79% 13.47%

Smw 104 FCU has a net worth of 7.79% versus the BestCashCow average of 13.47. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Smw 104

Branches and Savings

What is Smw 104?

A federal credit union, registered with the NCUA under certificate #14934.
Learn more about credit unions here.

Is Smw 104 FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Smw 104?

Please see Field of Membership information above for information on who is eligible to join.

What are Smw 104's share account and share certificate rates?

Smw 104's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Smw 104?

Smw 104 has total capital of $7.99 million. Full information on Smw 104's financial position is located above.

Who owns Smw 104?

Credit Unions are owned by their members.

Where are Smw 104 branches located?

See branch locations nearby.

Are Smw 104 ATMs Open 24/7?

Do Smw 104 ATMs accept cash deposits?

Can Smw 104 customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Smw 104 have a mobile app?

Does Smw 104 have mobile deposit?

Does Smw 104 have quick pay?

How can Smw 104 transfer money to other banks or credit unions?

Does Smw 104 report to credit bureaus?

Does Smw 104 use Chexsystems?

Does Smw 104 use Equifax?

What is Smw 104's toll free phone number?

What is Smw 104's ACH Routing Number?

What is Smw 104's SWIFT code?

Where can I find Smw 104's wire transfer form?

What is the Smw 104 address for deposits?

What Products Does Smw 104 Offer

Does Smw 104 offer mortgages?

Compare mortgage rates here.

Does Smw 104 offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Smw 104 offer auto and RV loans?

Compare auto loan rates here.

Does Smw 104 offer student loans or personal loans?

Compare personal loan rates here.

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