Smart Financial rates: up to 4.20% APY
credit union · NCUA CHARTER 67927 · www.smartcu.org/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| IRA (Savings) | $0-2,499.99 | 0.35% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account | $2,500.00-9,999.99 | 0.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account | $10,000.00-24,999.99 | 0.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account | $25,000.00-49,999.99 | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account | $50,000.00-99,999.99 | 1.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Savings Account | $100,000.00+ | 1.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Share (Savings) | 0.10% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| 6-Month CD | 6-month Tier · $1,000 | 3.60% | APY | 2026-11-01 | since 2026-11-01 | |
| 6-Month CD | 6-month Tier Mini Jumbo · $50,000 | 3.75% | APY | 2026-11-01 | since 2026-11-01 | |
| 6-Month CD | 6-month Tier Jumbo · $100,000 | 3.85% | APY | 2026-11-01 | since 2026-11-01 | |
| 12-month IRA | $1,000 · 1 year | 3.90% | APY | 2026-11-01 | since 2026-11-01 | |
| 1-Year CD | 12-month Tier Mini Jumbo | 3.90% | APY | 2026-11-01 | since 2026-11-01 | |
| 1-Year CD | 12-month Tier Jumbo | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| 1-Year CD | 12-month Tier | 3.75% | APY | 2026-11-01 | since 2026-11-01 | |
| 24-month IRA | 2 years | 3.60% | APY | 2026-11-01 | since 2026-11-01 | |
| 2-Year CD | 24-month Tier Jumbo | 3.70% | APY | 2026-11-01 | since 2026-11-01 | |
| 2-Year CD | 24-month Tier | 3.45% | APY | 2026-11-01 | since 2026-11-01 | |
| 36-month IRA | 3 years | 3.75% | APY | 2026-11-01 | since 2026-11-01 | |
| 3-Year CD | 36-month Tier Jumbo | 3.85% | APY | 2026-11-01 | since 2026-11-01 | |
| 3-Year CD | 36-month Tier | 3.60% | APY | 2026-11-01 | since 2026-11-01 | |
| 48-month IRA | 4 years | 3.85% | APY | 2026-11-01 | since 2026-11-01 | |
| 4-Year CD | 48-month Tier Jumbo | 3.95% | APY | 2026-11-01 | since 2026-11-01 | |
| 4-Year CD | 48-month Tier | 3.70% | APY | 2026-11-01 | since 2026-11-01 | |
| 60-month IRA Special | 5 years | 4.10% | APY | 2026-11-01 | since 2026-11-01 | |
| 5-Year CD | 60-month Tier Jumbo | 4.20% | APY | 2026-11-01 | since 2026-11-01 | |
| 5-Year CD | 60-month Tier | 3.95% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Money Market Account | $2,500.00-9,999.99 | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $2,500 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $10,000.00-24,999.99 | 0.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $25,000.00-49,999.99 | 0.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $50,000.00-99,999.99 | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $100,000+ | 1.50% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.smartcu.org/rates | 2026-11-02 00:13 UTC | ok | a4f9be1dd970 |
| www.smartcu.org/disclosures/truth-in-savings-cd | — | extract-failed |