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

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$1,000 off closing costs. Buy or refinance your home.
Real Estate Seminar

Tired of Renting or ready to buy something new?

San Mateo Credit Union is ready to help you own a home with great rates, low fees, down payments as low as 3%, and special loan options that make home ownership easier and more affordable.

Free Home Buying Seminar The Mortgage Experts at SMCU want to be sure you have simple, easy-to-follow steps to buying a home.

Join us for an in-person seminar that covers loan options, closing costs, down payments, and more.

  • When: Saturday, September 30, 2017 from 12:30pm – 1:30pm
  • Where: SMCU Headquarters - 350 Convention Way, Redwood City (Map It)

This seminar is free and open to everyone (you do not need to be an SMCU member to attend).

Buy or refi: $1,000 off closing costs*
From now through September 30, when you apply for a San Mateo Credit Union mortgage to purchase or refinance a home, you’ll get $1,000 off closing costs.

SMCU makes it easy with:

  • Jumbo loans up to $3.5 million
  • Expert advice and constant communication throughout the mortgage process
  • $1,000 off closing costs if you apply by September 30*

   Apply Now

We do home refinancing, too.
Before rates go up again, make sure you refinance your home to save money or cash out some equity.

Learn More    Apply Now

Home equity loans and lines of credit.
Home improvements or additions, tuition expenses, debt consolidation and more. If you have equity, you have options.

Learn More    Apply Now

All mortgage loans through San Mateo Credit Union are for homes in California only. Adequate property insurance required for the life of the loan. Flood insurance may be required. All loans are subject to credit approval. Please speak with a Real Estate Representative for current rates and information on loan limits as additional conditions and restrictions may apply. San Mateo Credit Union NMLS #416747.

*Offer valid only for a mortgage in first position used to purchase or refinance a property; equity loans excluded. Not valid for refinancing an existing SMCU mortgage. Must complete application (including purchase contract if buying a home) from May 26, 2017 through September 30, 2017. Mortgage closing cost credit applies only to the fees associated with non-recurring closing costs and does not apply to the principle loan amount borrowed. Offer cannot be combined with any Partner/Preferred Member relationship tier rebates on closing costs.

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