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.
Learn More

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

Continue an Existing Application
Get a Custom Rate Quote

Questions?
Call (650) 363-1799 (Option #1)
Email: reloanofficers@smcu.org

Click here to book an appointment with one of our home loan experts.

Contact Me

$500 off Closing Costs

Limited-time mortgage offer

Click for details

Mortgage Experts

Meet the SMCU team

Click for details

Mortgage Seminars

Free education from SMCU

Click for details

Home Advantage Logo

More services to ensure a smooth home buying experience.

Learn how Home Advantage works:

Thereís obviously much more to buying a home than just getting a loan, so SMCU offers additional services through HomeAdvantage.

HomeAdvantage has resources, tools, tips, and information that help you be a well-informed buyer. You can find and partner with a local Real Estate Agent, search for homes, and save money with a 20% relator commission rebate.

Best of all, these services are available to you free of charge.

Search for a home – Find your dream home through the HomeAdvantage search portal. Search by price, neighborhood, home size, or home style. With HomeAdvantage youíll get access to MLS listings, sales data, school district information, property history, and more.

Connect with a Real Estate Agent – browse profiles and approved fully licensed Real Estate Agents who’ve been working as Real Estate professionals for 3+ years. Search through our online tool or contact us for a recommendation.

Get Your Mortgage – If you use one of the HomeAdvantage Real Estate Agents when you buy (or sell) your home, youíll receive 20% of the realtorís commission as a rebate at closing. The average buyer and seller receive a $1,500 rebate!

Start Using Home Advantage

The HomeAdvantage program is made available through a partnership with CU Realty Services. Program rebates are awarded to buyers and sellers who select and use a Real Estate Agent in CU Realty Servicesí approved network. Home buyers and sellers are not eligible for the rebate if they use a real estate agent outside of the approved network. Using SMCU for a mortgage is not a requirement to earn a rebate. Rebate amounts may differ based upon the real estate agent commission and rebate amounts are dependent on the commissions paid to the agent. Your agent commission rate may differ. Rebates may be applied toward closing costs. Please consult your Mortgage Loan Representative for details as your actual rebate may vary. 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. A one-time membership fee of $10 ($1 for age 17 and under) is due upon joining SMCU. San Mateo Credit Union is an Equal Housing Lender. Federally insured by NCUA.

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