SM Federal Credit Union

Lost or Stolen Debit Card: 1-888-263-3370

SM Federal Credit Union

Loan Rates April 22, 2025 to May 19, 2025 Auto/Truck
	Term	APR	monthly/per thousand	pay period per thousand
2024/2025	72 months*	6.99%	17.04	7.87
	60 months	6.25%	19.45	8.98
	48 months	6.05%	23.51	10.86
	36 months	5.85%	30.36	14.02
2023	60 months	6.29%	19.48	8.99
2022	48 months	6.59%	23.76	10.99
2021	42 months	6.79%	26.83	12.39
2020	36 months	7.29%	31.01	14.34
2019	36 months	7.29%	31.01	14.34
2018	36 months	7.29%	31.01	14.34
2017-2007	24 months	7.59%	45.04	20.82

***Boat/Camper/Motorcycle/Tractor loan rates = to 1% above applicable rates RV rates available upon request

Mortgage Refinance/Purchase
	Term	APR	monthly per thousand	pay period per thousand
1st mortgage	30 year 20% down	6.375%	6.25*	2.89*
1st mortgage	30 year 10% down	6.50%	6.32*	2.91*
1st mortgage	15 year 20% down	5.375%	8.11*	3.74*
1st mortgage	15 year 10% down	5.50%	8.17*	3.77*
1st mortgage	10 year 20% down	4.625%	10.43*	4.81*
1st mortgage	5 year 20% down	4.50%	18.64*	8.62*
* payment amount includes principal and interest only, taxes and insurance not escrowed

**HOME EQUITY LOANS CALL FOR MORE DETAILS
Terms available up to 10 years, Current rates available upon request.

Please note: Rates are subject to change. Contact the credit union for the most current rates.

Monday — Friday
8:00 AM — 5:00 PM

Credit unions are not-for-profit, member-owned financial institutions with a wide variety of services available to people from all walks of life.

NCUA

Your savings federally insured to at least $250,000 and backed by the full faith of the United States Government.

Phone:
(913)831-4555

Fax:
(913)831-0495

Address:
PO Box 498
Mission, KS 66201

Email:
info@smfederal.org

Lost or Stolen Debit Card: 1-888-263-3370

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