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

Regular Savings, Free Checking, Premium Checking, and Holiday Club Savings can be opened online. For all other deposit accounts, please call or visit an SMCU branch.

Savings and Money Market

‘Tis the season to switch to SMCU Checking - get $100!*

Don’t have a checking account with San Mateo Credit Union? Now is the perfect time to make the easy switch from your big-bank checking account to a not-for-profit credit union.

Open SMCU’s 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 December 31, 2017!

Non-Members
Join SMCU Now
Current Members
Open an Account

Choose the SMCU checking account that works best for you.

Premium Checking

  • 2.00% APY** on balances up to $20,000 when monthly requirements are met
  • No minimum balance requirement
  • No monthly fee

Monthly requirements to earn 2%APY**

  • Conduct 15 or more debit card purchases
  • Make at least one direct or payroll deposit
  • Select eStatements for the account

Free Checking

  • No monthly fee
  • No additional requirements

All SMCU checking accounts enjoy:

  • 30,000+ free CO-OP ATMs nationwide
  • A debit card with Apple PayTM
  • Mobile Banking with Mobile Deposit – just snap a picture of your check
  • Account alerts to keep you informed

$100 Offer Details*
Open a Premium or Free Checking account between 11/15/17 and 12/31/17 and you’ll earn $100 if you make 15+ debit card purchases during the first full calendar month after account opening. Available to new SMCU checking account holders only. Example: Open your account in December 2017 and your January 2018 purchases are counted toward the $100 offer.

Open your Premium or Free Checking account at your nearest SMCU branch or online using one of the buttons below. Questions about these offers? Call (650) 363-1725.

Non-Members
Join SMCU Now
Current Members
Open an Account

Why Choose SMCU?
For 65 years, SMCU has offered accounts, services, and education meant to enrich the financial lives of our members and our community. And since we’re a not-for-profit financial institution, our efforts are designed with your best interests in mind, not ours.

You’re invited to join or expand your relationship with SMCU beyond the special checking offer:

  • Fast and easy home loans and auto loans through our expert lending consultants
  • Credit cards with great rates and rewards
  • Convenient branches and ATMs up and down the Peninsula

Redwood City · San Mateo · South San Francisco · Daly City · Palo Alto · East Palo Alto

*Requirements to receive checking cash bonus:
Open a new San Mateo Credit Union (SMCU) Premium or Free Checking account (no other account types are eligible) from 11/15/17 - 12/31/17. During the full calendar month immediately following the month in which the account is opened, initiate 15 or more PIN or Signature-based purchases or payments using the SMCU debit card(s) associated with the new checking account. ATM and ACH transactions are not eligible. In the case of a joint account, purchases and payments from multiple debit cards will be added together.

*Offer conditions and restrictions:

  • Offer is not available for existing SMCU members who have an open checking account as of 10/31/17. SMCU employees, affiliates, and their families are not eligible. Offer may change or be discontinued at any time without prior notice.
  • Limit of one bonus-eligible checking account per individual and per mailing address.
  • Cash bonus for the month will be paid to the open, eligible checking account within 30 days after the qualification period ends. The account must have a positive balance at the time of payout to receive the bonus.
  • SMCU will classify the bonus as interest paid to the checking account where the bonus is credited. Any applicable taxes associated with the bonus are the responsibility of the SMCU account holder. To the extent required by law, SMCU will report the total value of this bonus to the IRS on Form 1099-INT for the tax year in which the bonus was paid.
  • You are eligible for membership in SMCU if you live, work, worship, or attend school in San Mateo County, the City of Palo Alto, or certain areas of San Francisco. All memberships and accounts are subject to SMCU’s standard terms, conditions, and schedule of fees. The one-time membership fee of $10 to join SMCU will be waived as part of this special promotion. Depending on the selected checking account, a monthly fee may apply depending on certain account conditions. Ask an SMCU representative for details.

** APY = Annual Percentage Yield as of November 1, 2017; 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. 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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