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

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$1,000 off closing costs. Buy or refinance your home.

SMCU OnLine Login




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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

Earn up to $150* when you open a new SMCU checking account.

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

Open SMCU’s new Premium Checking Account and you can earn up to a $150 cash bonus, or you can open a free checking account and earn up to $50. But hurry, these offers end October 31, 2017!

Non-Members
Join SMCU Now
Current Members
Open an Account

Choose the SMCU checking offer that works best for you.

Premium Checking

Up to $150 cash bonus*

Account Features

  • 2.00% APY** on balances up to $10,000 when monthly requirements are met; 0.10% APY** base rate on all balances
  • A $5 monthly fee will be waived when monthly requirements are met or you maintain an average daily balance of $20,000+

Offer Details
Open an account by 10/31/17 and earn $2 for every debit card purchase you make during the first three (3) full calendar months, up to $50 per month for a maximum cash bonus of up to $150. Available to new SMCU checking account holders only.

Free Checking

Up to $50 cash back*

Account Features

  • No monthly fees
  • No additional requirements

Offer Details
Open an account by 10/31/17 and earn $2 for every debit card purchase you make during your first full calendar month, up to a maximum cash bonus of $50. Available to new SMCU checking account holders only.

All SMCU checking accounts enjoy:

  • 30,000+ surcharge-free CO-OP ATMs nationwide
  • A debit card that can be used with Apple PayTM
  • Mobile Banking with easy Mobile Deposit – just snap a picture of your check and send it to your account
  • Account alerts to keep you informed and fraud-free

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 9/1/17 - 10/31/17. During the first three full calendar months immediately following the month in which the Premium account is opened or during the first single calendar month following the month in which the Free account is opened, each PIN or Signature-based purchase or payment initiated by the debit card(s) associated with the new account will earn a $2.00 cash bonus for the first 25 account-level transactions initiated, up to the maximum of $50 per month. Maximum payout is $150 for Premium account and $50 for the Free account. Additional purchases beyond the first 25 initiated transactions will not qualify for a cash bonus. 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 8/31/17. 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. Monthly fees may reduce earnings.
  • 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 August 1, 2017; subject to change. 0.10% base APY on all balances with 2.00% APY paid on balances up to $10,000 if monthly (statement cycle) “bonus APY” 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. $5.00 monthly fee will be waived if monthly “bonus APY” requirements are met or average daily balance for the month (statement cycle) is $20,000 or greater. 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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