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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.
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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.)
Free Home Buying Seminar
Join us on Saturday, February 23, 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, February 23. Open to everyone; RSVP today!
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Premium Checking
Earn 2% APY* on your first $50,000 in balances.
Checking
Premium Checking
Earn 2% APY* on your first $50,000 in balances when requirements are met.
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Certificates (CDs)
Rates as high as  3.00% APY* means more for you.
Savings
Certificates (CDs)
For higher interest rates, Certificates are often your best option – up to 3.00% APY.*
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Mobile Banking
Pay bills and manage your money from your mobile device.
Access
Mobile Banking
Forget pocket change. Put your whole account in your pocket.
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30-Year Fixed-Rate Mortgage Loan
Rates as low as
4.381% APR
link to rates page
Low Rate Auto Loan
Rates as low as
2.24% APR
link to rates page
CD Rates
Rates as high as
3.00% APY
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
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Government Shutdown Assistance
Special assistance for members affected by the government shutdown has now ended.
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Seminars & EventsView All
Free Home Buying Seminar
This informative 90-minute seminar will give you the information you need to buy a home in a competitive market.
Learn more