Smw Financial

700 APOLLO DRIVE, Lino Lakes, MN 55014

NCUA Insured3.5 (30 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1954

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

Membership Eligibility

Anyone who lives, works, or worships in or around Lino Lakes, MN may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

2 charter

Established in 1954

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

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

700 APOLLO DRIVE

Lino Lakes, MN 55014

Google Maps 🗺Waze

(651) 747-1500

Service Area

This credit union is located in Lino Lakes and serves members in the MN area. Currently serving 4,609 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

6.09%

Used Auto Loan

6.84%

Personal Loan

12.99%

Credit Card APR

12.99%

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 MN

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

Mayo Employees— New Auto Loan

Rochester, MN

1.99%

Crow Wing Power— Used Auto Loan

Brainerd, MN

4.29%

Pipefitters-Steamfitters— Personal Loan

Woodbury, MN

7.75%

Greater Community— Credit Card APR

Dawson, MN

6.90%

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

Branches & Locations(2 total)

Member Reviews

3.5

30 Google reviews

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

View on Google Maps

T W

2 months ago

Simply the best CU in the Twin Cities. The people and processes to obtain a loan and work with are far better than any of the typical corporate big names.

Dave Bartholomay

a year ago

SMW is so much more personal and easy to work with than banks or other credit unions. Tremendous information from SMW made my choices so much easier!

Denise Mortenson

2 years ago

We have been members for over 10 years and are so pleased with SMW’s services. The staff are personable and accommodating. Matt has helped my son build his credit and is available anytime we have questions. They also have great rates on cds.

Thomas Rotter

a year ago

My experience with Matthew was very fast and easy all paperwork was ready to go .Took very little time to close the loan .Everything was explained to me and all my questions were answered great job.

Rick Murray

4 years ago

This credit union is going down the crapper very fast. Some genius thought it to be a good idea to move the atm onto the side of the building in a drive through teller lane so if you drive a pickup or large SUV dont even waste your time trying to use the atm from your vehicle. Closed on Saturdays, business hours during the week are not favorable for regular working folks. Higher loan interest rates than other credit unions, ridiculous fees for line of credit accounts even when you dont use the account. Very disappointed in the direction they are going.