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Current SMCU Member

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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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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.

Savings and Money Market

Simple savings with easy access.

SMCU offers savings accounts with competitive rates and easy access to your money. If you’re looking to earn even higher interest rates by leaving your money untouched for three to 60 months, consider a Certificate instead.

Non-Members
Join SMCU Now
Current Members
Open an Account

Health Savings (HSA) and Youth Savings cannot be opened online. To open these accounts, please visit a branch or call (650) 363-1725.

 View Current Savings Rates

Regular Savings

This account is required with every membership but its simple features make it one of our most popular options:

  • Earns dividends on every dollar
  • Can act as overdraft protection for your SMCU checking account (transaction limits apply)

Money Market

If you want a great way to earn more and still maintain access to your money, this is it:

  • $2,500 min. opening balance with interest rates that rise as your balance increases, as high as 0.35% APY*
  • Also available as a Business Money Market, which goes great with our Business Checking and Business Rewards Credit Card

Health Savings Account (HSA)

For those with a high-deductible health plan (HDHP), this account features tax-free withdrawals for qualified expenses:**

  • Enjoy a higher interest rate than regular savings
  • Get a VISA® Debit Card to pay for medical expenses
  • Learn more about SMCU’s Health Savings Account

Holiday Club Savings

The best way to save for the holidays is to regularly put money aside as you earn higher dividends throughout the year:

  • Open a Holiday Club account as early in the year as you can and set up recurring deposits
  • There is a minimum opening deposit of $25, dividends are compounded daily, and there is no annual fee
  • On the first business day in November, your funds become available for holiday expenses

Youth Savings

For those just beginning to save, this account is a good place to start:

  • Earns the same interest rate as our Regular Savings account
  • If saving $250 or more for 12 months, consider a Youth Certificate
 View Current Savings Rates

To learn more about the benefits of saving money, try our Savings Calculators.

Non-Members
Join SMCU Now
Current Members
Open an Account

Health Savings (HSA) and Youth Savings cannot be opened online. To open these accounts, please visit a branch or call (650) 363-1725.

* APY = Annual Percentage yield. View current rates for tiers and details.
** Other criteria apply. Check with your insurance provider or tax advisor to ensure that the HDHP is HSA-qualified.

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