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I want to Buy a home
Home Lending Center
See how SMCU loans and services can help you own.
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Online Education Courses
Take our “Moving into Home Ownership” online courses.
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We Solve Problems When Others Can’t
Please submit your name and email to receive more helpful information from San Mateo Credit Union. (*Required information.)
I want to Grow my savings
Open a Savings Account
Get an account that helps you reach your goal.
View Savings Accounts
Take an Online Education Course
Learn the basics about saving and how to do it.
Take the Course
We Solve Problems When Others Can’t
Please submit your name and email to receive more helpful information from San Mateo Credit Union. (*Required information.)
I want to Buy a Car
Vehicle Loan Center
SMCU loans and services that make auto buying easy.
Take a look
Calculate a Vehicle Payment
Calculate
We Solve Problems When Others Can’t
Please submit your name and email to receive more helpful information from San Mateo Credit Union. (*Required information.)
I want to Reduce my debt
Debt and Credit Counseling
Get one-on-one support to reduce your debt.
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Run the numbers on your debt
Use our debt calculators to see where you stand.
Calculate
We Solve Problems When Others Can’t
Please submit your name and email to receive more helpful information from San Mateo Credit Union. (*Required information.)
I want to Plan for retirement
Wealth Management Services
Get investment guidance from a CFS* Wealth Advisor.
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Run the numbers on your retirement
Use our retirement calculators to see where you stand.
Calculate
We Solve Problems When Others Can’t
Please submit your name and email to receive more helpful information from San Mateo Credit Union. (*Required information.)
I want to Spend smarter
Budgeting calculators
Build and maintain a healthy monthly budget.
Start Now
Find a Free ATM Near You
Over 30,000 no-fee CO-OP ATMs nationwide.
Find an ATM
We Solve Problems When Others Can’t
Please submit your name and email to receive more helpful information from San Mateo Credit Union. (*Required information.)
$100 Checking Offer
Open a new SMCU checking account by 5/31 and earn $100.
Checking
$100 Checking Offer
Don't have SMCU checking? You can earn a $100 bonus if you open an account by 5/31/19 and use your debit card.
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We're open in Half Moon Bay!
The new branch is open at 40 Cabrillo Hwy N. with special offers for the Coastside.
Branches
Grand Opening: Half Moon Bay Branch
We're open at 40 Cabrillo Hwy N. and have special offers including a 2.25% APY 13-Month CD.
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67th Annual Meeting
We invite you to attend SMCU's annual meeting on Thursday, April 25th
Events
67th Annual Meeting
You're invited to a celebration of SMCU's 2018 accomplishments and a look ahead to 2019 and beyond. 
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Free Home Buying Seminar
Join us on Saturday, April 27, at SMCU headquarters in Redwood City.
Education
Free Home Buying Seminar
Learn the ins and outs of buying a home at our free seminar on Saturday, April 27. Open to everyone; RSVP today!
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Certificates (CDs)
Rates as high as
2.60% APY
link to rates page
30-Year Fixed-Rate Mortgage Loan
Rates as low as
4.131% APR
link to rates page
Low Rate Auto Loan
Rates as low as
2.24% APR
link to rates page
Personal Loan
Rates as low as
9.99% APR
link to rates page
People Helping People
San Mateo Credit Union supports community financial wellness. Since 2017, we’ve had:
5,260
Financial Education Students
$256,139
Contributions and Scholarships
SMCU Connections
latest-news
Latest News View All
Government Shutdown Assistance
Special assistance for members affected by the government shutdown has now ended.
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seminars-and-events
Seminars & EventsView All
SMCU's 67th Annual Meeting
Thursday, April 25th at 5:00pm. A celebration of SMCU's 2018 accomplishments and a look ahead to 2019 and beyond.
Learn more