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As a member-driven organization, SMCU does everything possible to ensure that all of your financial priorities are anticipated and fulfilled. In addition to providing the essential services you need, we also offer the added values you want.

We feature a broad scope of services appropriate for every stage of life, so whether you’re just starting out or gearing up for retirement, we have products that are just right for you. Some of our more popular offerings include:

  1. Free Personal Auto Shopper to locate precisely the vehicle you’re looking for at the best possible price
  2. Members-only car sales, featuring haggle-free shopping
  3. Low-rate home loans and lines of credit
  4. A full range of investment options—and an advisor to assist you
  5. Financial fitness programs to assist with money management
  6. Tax-advantaged health savings accounts
  7. Retirement accounts to keep your future bright
  8. Special Discounted Tickets to Local Attractions and Much More


You are eligible for membership in SMCU if you are:

  • A resident, employee or student in San Mateo County, the City of Palo Alto or certain areas of San Francisco
  • An employee of one of our partner companies
  • An employee of a company that belongs to the Golden Gate Better Business Bureau or one of the 15 Chambers of Commerce within San Mateo County that we serve
  • A family member, domestic partner, or roommate of an SMCU member


Joining SMCU couldn’t be easier. All you have to do is:

  1. Complete and sign a Master Membership Agreement Form, available at any branch.
  2. Return the completed form to any branch—in person or by mail. You must also provide your Social Security number or ITIN, as well as an original, unexpired government-issued photo ID and secondary ID such as an unexpired credit card or home utility bill.
  3. Pay a one-time, non-refundable membership fee of $10.00 ($1.00 for a Youth Membership).

Use the Easy Switch Kit to transfer your accounts to SMCU.

Once you have completed these steps, you are eligible to apply for a vehicle loan, real estate loan, credit card, or personal loan. You can also take advantage of our deposit services—such as Checking accounts, Money Market accounts, Certificate accounts, and Individual Retirement Accounts (IRAs). You must meet SMCU eligibility requirements for membership. Contact us at 650 363-1725 or 888 363-1725, apply online or visit a branch for additional information.