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 the green "Apply For A Loan" button located in the upper right hand corner.

              

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 the green "Apply For A Loan" button located in the upper right hand corner.

              

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 the green "Apply For A Loan" button located in the upper right hand corner.

              

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 the green "Apply For A Loan" button located in the upper right hand corner.

              

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We will be performing end of year maintenance on our systems on Sunday December 11th from 9am to 10am. During this time, SMCU OnLine, SMCU Mobile and Call24 will be unavailable. We apologize for any inconvenience this may cause.

Investments

A sound financial future starts with careful planning. Whether you're a first-time investor or a seasoned one, a CFS* Investment Representative at San Mateo Credit Union can help you achieve your financial goals. To get you on your way, SMCU has contracted with CUSO Financial Services, L.P. (CFS), a full-service broker/dealer and SEC Registered Investment Advisor.

To contact a CFS* Investment Advisor:

For inquiries about loans, deposits and other SMCU services:

Retirement Planning

Let us help you assess your current strategy to meet your financial goals. Using a proactive approach, we can help you evaluate your retirement investment options and gain a better understanding of the concepts behind realistic retirement planning and wealth preservation.

We provide 401K rollover and IRA account consolidation services to simplify your investment plan and save you time and paperwork. Discover investment products and services that may help you move in the direction of your dreams:

  • Individual Retirement Accounts: Roth, Traditional and Rollover
  • 401(k), 403(b), Simplified Employee Pension Plan (SEP)
  • Fixed and Variable Annuities
  • Mutual Funds
  • Life and Long Term Care (LTC) Insurance
  • Individual Stocks and Bonds
  • U.S Government Securities

Asset Allocation

A sound financial future starts with careful planning and asset allocation. Whether you are a first time investor or a seasoned one, a skilled CFS* Investment Advisor can assist you with achieving your financial goals.

  1. Help ensure your portfolio is diversified
  2. Know your investment time horizon

We provide our members and their families with investment services tailored to their unique situation. We can help you assess your current strategy to make sure your portfolio is on track to meet your life stage objectives.

Estate Planning & Inheritance

At San Mateo Credit Union, we can help you establish independence for your family and loved ones by examining the financial impact and planning for end of life, including immediate cash needs and continuing income needs. Whether you are looking to pass funds along to your family or develop an investment and savings strategy for a recent inheritance, we are here to assist you.

We can help you determine how much life insurance you need to produce a sufficient income stream for your family. At SMCU, we also can help you check beneficiary designations to avoid needless grief and hardship for surviving loved ones who are your intended heirs.

Meet San Mateo Credit Unions Investment Advisor team

Our CFS* Investment Advisors at SMCU are dedicated to providing you with sound financial planning as well as specialized products and services for every stage of life. With access to a wide variety of investment and insurance products as well as financial planning tools, the CFS* Investment Advisors at SMCU can help make sure you have answers to these key questions:

  • Is your retirement money invested properly?
  • Will you have enough income in retirement?
  • What should you do with an existing retirement plan from a previous employer?
  • How will you pay for long-term care?

Emilio Johansen - CA Insurance License #0D76283
Investment Advisor Redwood City, East Palo Alto Branch & Palo Alto Branch Locations
(650) 817-1970 or ejohansen@smcu.org

Emilio has been in financial services since 2002. He believes the holistic approach to financial planning is important in the complete understanding of how all the pieces of a plan are integrated. He graduated from San Jose State University with a B.S. in Business Management and International Business and also holds series 7 and 65 securities licenses as well as California Life and Health Insurance licenses. Emilio focuses on working with clients to identify their goals and objectives, time horizons, investment philosophies and propensity for risk. He strives to help build individuals, families and his community so they are stronger personally, professionally and financially. He educates clients in the areas of retirement and retirement income planning, 401k rollover options, estate planning, insurance protection and portfolio analysis.


Anatoly Vilderman - CA Insurance License #0G92490
Investment Advisor Westlake Daly City, South San Francisco & San Mateo Branch Locations
(650) 562-1250 or avilderman@smcu.org

Anatoly has been in the financial industry since 2010 and works closely with individuals and families and serves them as a partner they can have confidence in to address all of their education, retirement and income planning needs to help grow their assets and manage their wealth. Hes multifaceted and results- oriented with the ability to advise clients with complex investment relationships in accordance with the client's specific goals. Anatoly is highly effective in collaborating with various departments and business partners in developing and implementing strategies to assist clients with more sophisticated needs.


Please contact Emilio or Anatoly for a no-cost, no-obligation consultation.

Resource Center

The following list of links is provided as a convenience for SMCU members. The calculators were not created by either San Mateo Credit Union (SMCU) or CUSO Financial Services, L.P. (CFS), and do not imply any guarantee, affiliation, sponsorship, or endorsement of any of the information contained within by either SMCU or CFS.

Investment Returns

There is more to investing than knowing your annual rate of return. Use this calculator to help you see how inflation, taxes and your time horizon can impact your bottom line.

How important is Social Security?

Use this calculator to determine how losing this important retirement asset could affect you.

Pension Plan Retirement Options

Use this calculator to help decide between joint survivorship and single survivorship pension options.

Traditional IRA Calculator

How can contributing to a regular IRA help you in your retirement?

401(k) Savings Calculator

A 401(k) can be one of your best tools for helping you create a relatively secure retirement.

403(b) Savings Calculator

If you are an employee of a non-profit or tax exempt organization, a 403(b) can be one of your best tools for helping create a relatively secure retirement.

Beneficiary Required Minimum Distributions

Use this calculator to determine your Required Minimum Distributions (RMD) as a beneficiary of a retirement account.

Required Minimum Distributions

Use this calculator to determine your Required Minimum Distributions (RMD) as an account owner of a retirement account.

Retirement Income Calculator

Use this calculator to determine how much monthly income your retirement savings may provide you in your retirement.

Retirement Planner

Quickly determine if your retirement plan is on track - and learn how to keep it there.

Retirement Pension Planner

Plan your retirement with a company pension, find out if you are on track - and learn how to stay there.

Retirement Shortfall Calculator

Running out of your retirement savings too soon is one of the biggest risks to a comfortable retirement. Use this calculator to find a potential shortfall in your current retirement savings plan.

401(k) Spend It or Save It Calculator

There are several ways to manage your 401(k) when you leave an employer. Making the wrong decision can cost you thousands of dollars both in taxes and lost earnings.

Roth IRA Calculator

Use this calculator to compare the Roth IRA to an ordinary taxable investment.

Roth IRA Conversion

This calculator will show the advantage, if any, of converting your IRA to a Roth.

Roth vs. Traditional IRA

Use this calculator to determine which IRA may be right for you.

Social Security Benefits

Use this calculator to estimate your Social Security benefits.

Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (CFS), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. San Mateo Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members.

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