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Current SMCU Member

Sign in to Online Banking

Save time! Sign in to Online Banking and click the "Apply for a Loan" or "Open an Additional Account" link. Your personal information will be automatically filled in.

No thank you, take me to the blank application.

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New to SMCU?

Continue to Application


Current SMCU Member

Sign in to Online Banking

Save time! Sign in to Online Banking and click the "Apply for a Loan" or "Open an Additional Account" link. Your personal information will be automatically filled in.

No thank you, take me to the blank application.

×

New to SMCU?

Continue to Application


Current SMCU Member

Sign in to Online Banking

Save time! Sign in to Online Banking and click the "Apply for a Loan" or "Open an Additional Account" link. Your personal information will be automatically filled in.

No thank you, take me to the blank application.

×

New to SMCU?

Continue to Application


Current SMCU Member

Sign in to Online Banking

Save time! Sign in to Online Banking and click the "Apply for a Loan" or "Open an Additional Account" link. Your personal information will be automatically filled in.

No thank you, take me to the blank application.

×

New to SMCU?

Continue to Application


Current SMCU Member

Sign in to Online Banking

Save time! Sign in to Online Banking and click the "Apply for a Loan" or "Open an Additional Account" link. Your personal information will be automatically filled in.

No thank you, take me to the blank application.

×

New to SMCU?

Continue to Application


Current SMCU Member

Sign in to Online Banking

Save time! Sign in to Online Banking and click the "Apply for a Loan" or "Open an Additional Account" link. Your personal information will be automatically filled in.

No thank you, take me to the blank application.

×
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Non-Members

Join SMCU Now

Current Members

Open an Account

Questions?
Call: (650) 363-1725
Email: memberservices@smcu.org

Please note: IRAs, Health Savings, Youth Savings/Certificates, and Business Money Market accounts cannot be opened online. To open these accounts, visit an SMCU branch or call (650) 363-1725.

Certificates of Deposit CDs

Special 20-Month Certificate: 2% APY*

Take advantage of this special high rate while it lasts! Open your 20-month regular certificate at any SMCU branch or online if you transfer funds from another SMCU account.

  • 1.98% rate / 2.00% APY*
  • 20-month term
  • $1,000 minimum opening balance and no maximum
  • Available through 6/30/18

The longer you save the more you earn.

When you have the ability to leave your money alone for at least three months, a Certificate is a great way to enjoy a higher interest rate. And the longer you can leave it, the greater the rate.

SMCU Certificates:

  • Carry some of the highest interest rates you’ll find anywhere
  • Available for terms from three to 60 months
  • Require a minimum deposit of $1,000 for most regular certificates and $500 for most IRAs
  • Dividends are compounded and credited monthly
  • Also available as IRA Certificates and Youth Certificates

View Current Certificate Rates

To learn more about the benefits of saving money, try our Savings Calculators.

Non-Members
Join SMCU Now
Current Members
Open an Account

IRA, Youth, and Coverdell ESA certificates cannot be opened online. To open these accounts, please visit a branch or call (650) 363-1725.

*APY = Annual Percentage Yield as of March 16, 2018; subject to change. Available as a regular certificate only; no IRAs. At maturity, certificate will renew for an 18-month term at the current rate unless instructed otherwise. Offer ends 6/30/18.

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