SMCU OnLine Login
User ID


Enroll in SMCU OnLine
Forgot Password

"Home and Residence Articles

Before Buying Your First House - Buying your first house is a big step in your financial life. Be sure to understand some of the pros and cons of home ownership.

Accumulating a Down Payment on a Home - This article includes a table showing what your monthly payments would be for different size mortgages at different interest rates. There are also nine suggested ways of building the funds needed for your down payment.

Evaluating Mortgage Types - Choosing a mortgage doesn't have to be complicated. The right type of mortgage can help you afford the house you want and manage your long-term finances.

Home Equity Loans - The equity in your home can be a powerful financial tool. Learn how these loans work and why they can be an attractive form of "tax advantaged" borrowing for you.

Income Tax Implications of Home Ownership - Owning your own home can provide some tax deductions and potentially a reduction in your annual income tax bill. This article explores some of the favorable tax treatments homeowners can enjoy.

Renting an Apartment - Learn what to look for (and look out for) when leasing an apartment. There are also a few tips you may be able to use to get a break on your rent.