Apply For a Loan

If you are a current member of SMCU, applying for a loan is easy. Just log into SMCU OnLine and click "Apply For A Loan" located in the Services section of the online home page.

Apply Online               Apply As Guest

Apply For a Loan

If you are a current member of SMCU, applying for a loan is easy. Just log into SMCU OnLine and click "Apply For A Loan" located in the Services section of the online home page.

Apply Online               Apply As Guest

Apply For a Loan

If you are a current member of SMCU, applying for a loan is easy. Just log into SMCU OnLine and click "Apply For A Loan" located in the Services section of the online home page.

Apply Online               Apply As Guest

Apply For a Loan

If you are a current member of SMCU, applying for a loan is easy. Just log into SMCU OnLine and click "Apply For A Loan" located in the Services section of the online home page.

Apply Online               Apply As Guest

Open An Additional Account

If you are a current member of SMCU, opening additional accounts is easy. Just log into SMCU OnLine and click "Open an Additional Account" located in the Services section of the online home page.

Open Another Account Through SMCU OnLine               Open Another Account as a Guest

Security Lock SMCU OnLine Login

SMCU OnLine Login




Enroll in SMCU OnLine
Forgot Password

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.

Checking Accounts

Access your money all over the world.

Since a checking account is for everyday spending, it’s important to have the right card in your wallet. A Visa® Debit Card from SMCU offers the following benefits:

SMCU Debit Card
  • Make purchases wherever Visa is accepted; over 28 million locations worldwide
  • Use it as your default card for online purchases through Amazon, PayPal, and more
  • Set up Apple PayTM for secure payments at participating retailers
  • Get cash from ATMs worldwide, including 30,000+ surcharge-free CO-OP ATMs in the US
  • Pay no monthly or annual fees to use your card
  • Stay protected with Account Alerts
Non-Members
Join SMCU Now
Current Members
Open an Account

You can open Premium Checking and Free Checking online.
For all other checking accounts, please visit a branch or call (650) 363-1725.

 

Don't have SMCU checking? It's time to make the switch!

Open a new Premium Checking or Free Checking and you can earn a $100 cash bonus* just for using your debit card. But hurry, this offer ends April 30, 2018.

Learn More

Choose a checking account and enjoy the benefits.

A great checking account sits at the center of your financial world. Choose the one that works best for you from a credit union that works in your best interests.

All SMCU checking accounts come with:

Non-Members
Join SMCU Now
Current Members
Open an Account

You can open Premium Checking and Free Checking online.
For all other checking accounts, please visit a branch or call (650) 363-1725.

Traditional Checking Options:

New! Premium Checking

Everyday spending is more way more rewarding with this high interest rate account.

  • 2.00% APY* on your first $20,000 when monthly requirements are met (See below)
  • No minimum balance required to earn interest
  • No monthly fee
  • $50 min. opening balance

How interest is paid on this account:
2.00% APY* on your first $20,000 in average daily balance ($0.01 – $20,000) and 0.05% APY on any balance above $20,000 when monthly requirements are met; 0% APY* if requirements are not met.

Monthly requirements to earn interest:

  • Conduct 15 or more debit card purchases or payments each month
  • Make one or more direct deposit, ACH, or payroll deposit– no minimum dollar value required
  • Select eStatements instead of mailed statements

Free Checking

It’s harder to find free checking these days but SMCU still has it, so you can too.

  • $20 min. opening balance
  • No monthly fee and no other requirements

Student Checking

Start your financial future off on the right foot with a checking account from your local credit union. Available for ages 13 – 17.

  • $20 min. opening balance
  • No monthly fee and no other requirements

Business Checking

We help your small business run with an easy-to-manage checking account and additional business services.

  • $100 min. opening balance
  • Monthly fee up to $15.00 may be waived if you maintain an average daily balance of $4,000 or greater or you are a non-profit organization
  • Add a Business Rewards Credit Card to complete the package
Checking Alternatives:

Prepaid Debit Card
SMCU Pre-paid Debit Card

A prepaid debit card from SMCU might be the right fit if:

  • A standard checking account isn’t for you
  • You want a secure alternative to cash
  • You’re living, working, or traveling abroad
  • Learn more about SMCU’s Prepaid Debit Card

Visa® Gift Card
Visa Gift Card

Give money to friends and family in an easy-to-spend way.

  • Load any amount onto the card when you get it
  • Spend your money wherever Visa is accepted worldwide
  • Learn more about SMCU’s Visa Gift Cards
Non-Members
Join SMCU Now
Current Members
Open an Account

You can open Premium Checking and Free Checking online.
For all other checking accounts, please visit a branch or call (650) 363-1725.

* APY = Annual Percentage Yield as of April 20th, 2018; subject to change. 2.00% APY paid on the first $20,000 in average daily balances and 0.05% APY paid on any balances above $20,000 if monthly (statement cycle) requirements are met: 15+ paid debit POS transactions (ATM, ACH, and pending items do not qualify), one direct deposit or payroll deposit (ACH), and eStatements are selected. All requirements must be applied to the Premium Checking account. If the three monthly requirements are not met in their entirety, the APY paid will be 0%. Monthly statement cycle begins on the first day of each month and ends at 11:59:59pm PST on the last day of each calendar month. See account disclosures for full account details.

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