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 sale events, use the convenience of purchasing and signing the papers right at the dealership, or find a car on your own, we can provide financing with a host of features.

Personal Auto Shopper A Credit Union Representative will do your shopping for you! Limited Time Only! .25% discount when using the Personal Auto Shopper. Ask a representative today. Pre-Owned Car Sales Variety of cars. One location.     AutoSmart Research your vehicle and locate a dealer that provides on-site SMCU financing!   *Discount for new vehicles only.	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

Representative Example

Credit Cards

Get the Card. Get the Rewards.

SMCU Credit Card	Benefits
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 for full rate disclosure information.	5000 Reward Points upon first use of a new card Earn 1 reward point for every $1 purchase –  click here to see reward options CURewards™ for travel , merchandise, and gift cards Low Interest Rate No annual fees Travel Insurance up to $500,000 Overdraft protection* Grace Period on purchases
Independence starts here…with our Student Visa® credit card.  This is a great way to start building your good credit. Click here for full rate disclosure information.	Available for qualified members ages 18-21 Credit Limits up to $500 Low interest rates No annual fees 24-hour access to credit card accounts via the Internet, Call-24, and Contact Center Educational materials are available to help you learn more about responsible money-management techniques at http://www.balancetrack.org

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.

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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 February 4th, 2012. 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.

*APR = Annual Percentage Rate.  All loans subject to credit, income and debt verification and qualification.  Contact SMCU for more details.  Offer subject to change at anytime without notice.  SMCU is an Equal Opportunity Lender.