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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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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

Certificate Rate Special: 24-Month CDs for 2.50% APY*

SMCU has a big savings rate offer for you. From October 15 through December 31, 2018, our Regular, IRA, and IRA Add-On Certificates come with a special 2.50% APY.* Learn More>

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. Special promotional APY available from 10/15/18 to 12/31/18; subject to change. Special certificate rate cannot be combined with any other certificate rate increases or relationship rewards.

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