San Mateo Credit Union (SMCU) is providing this link to an external website because it may contain related information of interest to you or the website is one of our partners. You are leaving the SMCU to a website that is not operated by the credit union and is not responsible for the content. SMCU does not represent either the third party (external website) or the member if the two enter into a transaction. The privacy and security policies may differ from those practiced by SMCU. Click “Continue” to go to the website or cancel to remain on the SMCU website.
Phone Scam Alert: We have reason to believe our members are receiving calls with our Caller ID. Caller ID can be easily spoofed. If you receive a phone call claiming to be from SMCU asking you to verify account information, do not reply or provide any information. SMCU will never call or text to ask you to verify information about your card such as your PIN or a code. To verify, call us directly. Learn more on how you can protect yourself from scams.
Turn your dream of home ownership into a reality
Receive 0.125%1 off an ARM for a new home purchase until December 31st.
Great auto loan rates for the road ahead
No payment for 90 days
Open a Digital Savings account and earn up to 2.75%APY*
Turn your saving goals into milestones
Earn up to 4.00%APY* when you open a 30-month certificate.
Boost your savings with a 30-month certificate with Active Checking.
Make more memories this holiday season!
Our Holiday Loan is back with rates as low as 7.99%APR*
Mortgage calculators for every situation
SMCU Home Loan Experts
Rates as low as
The Impact of Saving More
Learn about Certificates (CDs)
Check out our Savings Rates
Member Car Sales
Vehicle Loan Center
Auto Loan Rates
as low as
Build a Monthly Budget
Home Loan Payment Help
Credit Card Rates
as low as
Retirement 101 Online Education
Insurance is part of retirement
View savings and IRA rates
Check balances on Mobile Banking
Credit Cards from SMCU
earn up to
Earn up to 4.00%APY* when you open a 30-month certificate
Earn up to 4.00%APY* with Active Checking†
Stay informed with account alerts via text or email.
San Mateo Credit Union takes your account security seriously, so we offer completely free* Account Alerts to our members.
Earn a one-time $100 Cash Bonus* and earn 2.00%APY** on your balance
Earn a one-time $100 Cash Bonus* when you open a Premium Checking by December 31, 2022.
Spend your way with a credit card that fits your style.
SMCU has a Visa® credit card that works for you.
San Mateo Credit Union supports community financial wellness. Since 2019, we’ve had:
All SMCU Branches as well as the Contact Center will be closed on Monday, December 26, 2022 in observance of Christmas Day (observed) holiday.
Missed our Annual Meeting? View a recording of the event and a copy of the report.
A new look for us means better experience for you. Our redesigned site makes it easy to find what you need and it looks great on desktop and mobile.
Access to your account is only a couple clicks away. To log in, click the Login button at the top of any page, then enter your user name and password, which have not changed.
Find loans, accounts, credit cards, digital banking, and much more – all in fewer clicks. Explore the top navigation and go directly to popular pages using “Quick Links”
Find answers fast using our convenient search tool. Just submit your question to get a full range of results found within our site.
Choose a financial milestone on the homepage to read online educational materials, plan for related events, check out products and helpful resources, and more.
From useful calculators to online financial education courses to security tips, SMCU has an entire section dedicated to keeping you financially fit.