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.

IRAs

Save for retirement or education expenses.

With as little as $100, you can open an IRA, Coverdell Education Savings Account (ESA), or Simplified Employee Pension Plan (SEP) to help you save for life’s most important and rewarding times.

Options

Traditional IRA

Grow your savings with a guaranteed return and avoid paying taxes* until you withdraw the money in retirement.

  • Earnings are tax-deferred.
  • Contributions may be tax-deductible, depending on your income and whether or not you have a qualified employer-sponsored retirement plan.
  • No monthly fees or charges as long as you have additional SMCU loans or accounts or maintain at least $150 in this account

Roth IRA

Fund your savings with after-tax dollars so that it can grow tax-free* and remain tax-free when you withdraw the money in retirement

  • Earnings are tax-free.**
  • Contributions are not tax-deductible.
  • Contributions may be withdrawn tax-and penalty-free.
  • Distributions are not required to be taken at age 70 1/2.

Coverdell Education Savings Account (ESA)

Designed to allow funds to be set aside to cover the future cost of a child's education.

  • Deposits must be for a designated beneficiary under the age of 18.
  • Distributions and earnings are tax-free, provided they are used for qualified education expenses.
  • Qualified expenses have been expanded to include school costs for kindergarten through higher education.
  • Almost anyone may contribute, including grandparents

Simplified Employee Pension Plan (SEP)

A SEP plan enables self-employed individuals to set up a plan for themselves, and allows businesses to provide a retirement plan to employees. A SEP features a greater contribution-and therefore a larger deduction-than an IRA.

Under the terms of a SEP plan, an employer may contribute a percentage of an employee's income up to a specific amount. These contributions are deposited directly into the employee's Traditional IRA.

SEP contributions are excluded from your income if they fall within the limits for maximum contributions. Your employer can provide you with a copy of the contribution agreement that describes the eligibility for determining who qualifies for a SEP.

To open, roll over, or transfer an IRA, please visit an SMCU branch or call (650) 363-1725.

* For specific tax advice, please consult a qualified tax professional.
** A distribution from a Roth IRA is tax-free and penalty-free provided that the five-year aging requirement has been satisfied and one of the following conditions is met: age 59½, death, disability, qualified first time home purchase.

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