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

Text/Phone Scam Alert
If you receive a text message or call claiming to be from SMCU that asks you to verify account information, do not reply or provide any information.
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$1,000 off closing costs. Buy or refinance your home.

Review Your Social Security Record

Social Security benefits will probably be a major source of your retirement income. While there may be changes to the Social Security system over the coming years, all indications are that this program, started in the 1930s, will continue to provide retirement benefits to Americans well into the 21st century.

Social Security Reports
The Social Security Administration (SSA) has started a program of sending reports to participants in the program. These reports, called Personal Earnings & Benefits Estimate Statements, provide details on your taxed earnings, how much you have contributed over the years and your estimated retirement benefits. The SSA plans to mail these reports to all workers on an annual basis. Reports can also be requested by using a request form available at your local Social Security office.

When you receive your report you should review it carefully. Make sure all the information is correct, including the spelling of your name, social security number, birth date and your salary record. Errors, such as a missed year of wages, could cause your retirement benefits to be lower than they should be. If there are errors, be sure to contact the Social Security office to have them corrected. They may require you to provide records supporting your corrections.

The report will also give you an idea of your anticipated level of benefits. For many, this will be an eye-opening experience. The 2005 average monthly benefit for a retired worker is $955. For a retired couple, the average is $1,5274per month. Using this information can be helpful when reviewing your current retirement planning strategy.

Future of Social Security
The Social Security system will be undergoing changes in the years ahead. There are many proposals currently being discussed that would make the system more financially secure and others that would enable workers to have some control in how contributions are "invested." The bottom line is that Social Security benefits will probably be a significant part of most individuals' retirement income.

You can use your Personal Earnings and Benefits Estimate Statement to help determine how financially secure your retirement will be.

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