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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.

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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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We will be performing network maintenance on Tuesday June 26th from 10pm to 11pm. During this time, SMCU OnLine will be unavailable. SMCU Mobile and Call24 will continue to be available for your use. We apologize for any inconvenience this may cause.

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Non-Members

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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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