1. Requirements to receive checking cash bonus: Open a new San Mateo Credit Union (SMCU) Premium or Free Checking account (no other account types are eligible) from 4/1/19 - 5/31/19. During the full calendar month immediately following the month in which the account is opened, initiate 10 or more PIN or Signature-based purchases or payments for at least $100 in spend using the SMCU debit card(s) associated with the new checking account. ATM and ACH transactions are not eligible. In the case of a joint account, purchases and payments from multiple debit cards will be added together. Offer conditions and restrictions:
- Membership eligibility requirements apply. Must be age 18 or older. Offer is not available for existing SMCU members who have an open checking account as of 3/31/19. SMCU employees, affiliates, and their families are not eligible. Offer may change or be discontinued at any time without prior notice.
- Limit of one bonus-eligible checking account per individual and per mailing address.
- Cash bonus for the month will be paid to the open, eligible checking account within 31 days after the qualification period ends. The account must have a positive balance at the time of payout to receive the bonus.
- SMCU will classify the bonus as interest paid to the checking account where the bonus is credited. Any applicable taxes associated with the bonus are the responsibility of the SMCU account holder. To the extent required by law, SMCU will report the total value of this bonus to the IRS on Form 1099-INT for the tax year in which the bonus was paid.
2. APY = Annual Percentage Yield. Base rate is 2.23%, APY is 2.25%. Minimum to open is $1,000. Available as a Regular CD only, no IRAs. Special promotional APY available from 3/28/19 to 6/30/19; subject to change. Special certificate must be opened at the Half Moon Bay branch location. Not available online or at other SMCU branch locations.
3. All loans are subject to credit, income, debt, and membership qualifications. Offer is valid for auto loan refinance applications submitted 3/18/19 - 5/31/19 and may be changed or discontinued at any time without notice. The Auto Loan Rate Match may not be combined with this offer and the refinance of an existing SMCU auto loan is not eligible, nor is the refinance of an auto loan previously held by SMCU within 60 days prior to new application. 1.00% cash back is calculated based on the final total funded loan amount, including any ancillary products, with a maximum payout of $500.00. Cash back will be paid upon execution of final loan agreement. Recipient is responsible for any applicable taxes related to the cash back payment. Other restrictions and conditions may apply; please visit an SMCU branch or smcu.org/refi1 for complete details.
4. Offer valid only for an SMCU mortgage in first position used to purchase or refinance a property; equity loans and lines of credit excluded. Not valid for refinancing an existing SMCU mortgage and cannot be combined with any other SMCU mortgage offer. Must complete the online application between 3/28/19 and 6/30/19 and notify your SMCU mortgage loan officer that you’d like this special offer. Mortgage closing cost credit applies only to the fees associated with non-recurring closing costs and does not apply to the principle loan amount borrowed. This offer cannot be redeemed for cash. All loans are subject to credit, income, debt, and membership qualifications.
5. No purchase necessary to enter or win. Each new primary membership opened at San Mateo Credit Union’s Half Moon Bay branch from 3/28/19 to 6/30/19 qualifies as one (1) entry to win. Must be age 18 or older. Limit one (1) pair of tickets per winner. Drawing will be held by 7/15/19 and game will be 8/13/19. Mail-in entries will be accepted. Click here for complete contest rules and details.