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Consumer Loans

When you’re looking to finance a new or used vehicle, or need some extra cash for an upcoming vacation, or even those unexpected expenses, think San Mateo Credit Union. We are convenient, and have solutions to help you with your loan needs. We offer competitive loan rates and terms that will fit into your personal budget.

Auto Loans

Buying a car can be hard work. That's why SMCU makes the experience as easy as possible, with a variety of options that let you choose the one that works best for you. Whether you use the services of our free personal auto shopper service, buy at one of our Pre-Owned car sales event, use the convenience of Credit Union Direct Lending or find the vehicle on your own, we can provide financing with a host of features.

Advantages of SMCU Financing
Competitive low fixed rates
 Up to 100% financing - including tax and license
No prepayment penalties
 No down payment required (subject to credit approval)
Mechanical Breakdown Protection available
0.25% rate discount for hybrid vehicles*
Guaranteed Asset Protection (GAP) and Loan Protection

Click here to see how you can save fuel cost by owning a hybrid vehicle.

*Discount for new vehicles only.

Representative Example

Apply Online

Credit Cards

Get the Card. Get the Rewards.

It's your life. Live it well. SMCU has just the right credit card just for you. The SMCU Visa® Platinum has been designed with your needs in mind. Today. Tomorrow. And well into the future.

Visa® Platinum  is perfect for those who would like to combine maximum spending power with the added benefit of CURewards™. This card has it all, with a low fixed rate.

Click here to apply now.

Student Visa®— Click here for more details and to start the application process.

 BENEFITS OF SMCU CREDIT CARDS:

  • Rewards for every dollar spent –  click here to see reward options CURewards™.
  • Low interest rates
  • No annual fees
  • Convenient automatic payments available
  • Easy payment via transfers from SMCU accounts
  • 24-hour access to credit card accounts via the Internet, Call-24, and DirectAssist
  • Grace periods on purchases
  • Overdraft protection*
  • Acceptance at millions of locations worldwide
  • Free convenience checks
  • Instant cash at ATMs worldwide

For those members who currently have the SMCU Visa®Classic or SMCU MasterCard®Gold, you can redeem your points for a variety of valuable credit union products. Click here for Choice Rewards™

ADDED SECURITY FROM VISA -Verified by Visa protects your existing Visa card with a personal password,
so only you can use your Visa card online. Learn more…

Presenting MasterCard® SecureCode™
Get your own private SecureCode™ for added peace of mind when up shop online. Learn More

To report a lost or stolen credit card, click here.

* Standard cash advance fees apply.

Recreational Vehicle Loan Rates

We make financing your next RV, Camper Boat or Motorcycle easy. Finance up to 100% up to 84 months.
Click here to apply today.

Product APR*
as low as
6.57%
7.07%
*
Terms available up to 84 months. The Credit Union may finance up to 100% of Retail Value, including tax, license and optional Mechanical Breakdown Protection, Credit Life/Disability Insurance and GAP. Any and all outside charges and DMV fees necessary to process the loan are paid by the member. Advertised rates are based on credit criteria. Your rate may be higher.

APR = Annual Percentage Rate
All Rates Subject to Change
SMCU does not charge application fees or closing costs on the loans shown above.
Rates Effective July 4th, 2009.
EQUAL OPPORTUNITY LENDER
Representative Example

Personal Loans

Personal loans can be used any way you wish. It's perfect for purchasing energy-saving appliances, taking a special vacation, or consolidating your bills into one easy payment.

With a personal loan, you receive the funds in one lump sum and pay a rate of interest that is fixed for the life of the loan.

BENEFITS
Save money with low rates and affordable monthly payments
Enjoy loan amounts up to $25,000
Gain peace of mind by taking control of your personal finances

Put the cost-saving convenience of an SMCU personal loan to work for you today.
Click here to complete a loan application online.