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Smw 104

3156 Constitution Dr, Livermore, CA 94551
NCUA Insured3.7 (15 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1962

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

3156 Constitution Dr

Livermore, CA 94551

Service Area

This credit union is located in Livermore and serves members in the CA area. Currently serving 10,130 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.74%

Used Auto Loan

5.74%

Personal Loan

9.70%

Credit Card APR

7.90%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in CA

Lowest rates currently reported by credit unions in CA (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(1 total)

Member Reviews

3.7

15 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Terese Nelson

Terese Nelson

4 years ago

I had been with the credit union for six years when I had been injured and could not work for a few years. I had been busy recuperating and was unable to make payments to my credit card. When I was finally able to return to work I went into the branch and explained that I wanted to pay my loan back even though it had gone to collections. I paid them back the entire loan. I found out later that they had contacted the credit reporting and had my loan changed to “in good standing”. I was not expecting that and was extremely greatful. The staff have always been very friendly and courteous whenever I visited the branch. Their customer service and services are top notch.

Tony Vela

Tony Vela

4 years ago

Married with 6 kids, owning multiple cars, homes, on a single income. I’ve needed financing at good rates to make it all work and SMW has been there for me through it all. A shout out to Tiara for being a great branch manager is well deserved. Thank you SMW 104 FCU.

Stephanie De La Pena

Stephanie De La Pena

4 years ago

Very helpful and nice staff!! We have a bank account and two car loans with them and it's always been great service, low interest rates, and easy!

Jackie Pratt

Jackie Pratt

4 years ago

I can never log into my account. Every time there is an update, my username is no longer recognized, my email is no longer recognized and I cannot get access to my account for days. I am so fed up with this bank. I have been a member for 20 years and have finally had enough

billy bud toker

billy bud toker

8 years ago

I am part of the sheet metal union. You would think the credit union would have my back but HELL NO! Customer service is horrible. Do not open an account here. Was a huge waste of time! Very disappointed.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).