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Coronavirus Information

Latest Updates

If you are experiencing a hardship as a result of Coronavirus (COVID-19), we’re here to help. Learn more.

Access Your Accounts
Access your accounts 24/7 through SMCU's digital channels available anytime, anywhere.

Branch Appointments:
We have implemented a branch appointment form for transactions like: loan applications, new certificates and other member service requests. Appointments are available Monday – Friday: 10am – 3pm at various branch locations. 
Fill out the form and a branch representative will reach out at the number provided to schedule your appointment.

Contact Center:
Our Contact Center is available Monday - Friday: 8am-6pm and Saturday: 9am-3pm. Our Call-24 automated telephone banking is also available at (844) 518-0515.

SMCU branch hours of operation effective Monday, March 23rd (until further notice) are Monday-Friday: 10am-4pm and Saturday: Closed.

If the status of our branch availability should change, we'll provide continuing updates on this page. ATMs at all branch locations are open for business 24/7. Find your nearest 
branch & free ATM.
  • East Palo Alto - Open
  • Half Moon Bay - Branch lobby temporarily closed, ATMs are open 
  • North Fair Oaks - Open
  • Redwood City - Open
  • San Mateo - Open
  • South San Francisco - Open
  • Westlake - Branch lobby temporarily closed, ATMs are open 

In this changing environment and for your convenience, we want to remind you of the digital channels available to access your accounts anytime, anywhere with our mobile and online banking.

If you haven't already:

With Mobile and Online Banking, you can:

Access your accounts

See transactions, balances and important details like account numbers.
View and print statements and cleared checks. 

Deposit Checks
Snap a picture of your check to deposit it in a few easy steps with your mobile phone.

Make Payments

Make payments to your SMCU credit cards, loans and other bills with one-time or recurring payments.

Transfer Funds

Move money between your accounts.
Send money in a snap to any email address, mobile phone or a U.S. bank account number.

Update your Contact Information
Keeping your personal information up to date helps us keep in touch with you.

Give us a call:

SMCU also offers Call-24 Telephone Banking, an automated phone system to check balances, transfer funds, make a loan payment and much more at (844) 518-0515.

Our Contact Center staff is available to serve your needs Monday – Friday 8AM to 6PM and Saturday 9AM to 3PM.

If you are experiencing a hardship due to the Coronavirus (COVID-19), we're here to help with special financing assistance.
  • Mortgage Deferral: If you're struggling to make your mortgage payment as a result of the Coronavirus, please know that the team at San Mateo Credit Union is here to help. Learn More.
  • Loan Relief for Qualified Auto and Personal Loans: We recognize the safety measures put in place to help keep us safe from the Coronavirus may also have a ripple effect on your personal finances and we are reaching out to our members with qualified auto and personal loans to help.
  • Work Reduction Loan: We are here to help with a low-rate fixed term loan to get you through this difficult and uncertain time. Learn more.
  • Early redemption on Certificate of Deposit (CD):  If you need to redeem your CD prior to the maturity, you can without a penalty.
Your financial well-being is our priority. If you need assistance, please contact us.
We are taking the proper precautions and making efforts to support your health and safety needs. This includes:
  • We are adhering to social distancing guidelines by reducing the number of members in the branches at one time and ensuring members are safely distanced.
  • We introduced additional procedures to our already rigorous cleaning and sanitizing schedule at branches and ATMs and hand sanitizer has been supplied at every location.
  • We strongly encourage members to submit loan and membership applications online and by phone in lieu of coming to a branch. Loans will continue to be funded in-branch.
Rest assured, we are taking these proactive measures to ensure everyone’s health and safety while maintaining our commitment to providing uninterrupted service.
March 21, 2020

Dear Member,

At San Mateo Credit Union, we are continuing to monitor developments related to the coronavirus (COVID-19) and the shelter at home direction from our local, state and federal authorities. While we remain open, we have implemented protocols at our branches to ensure the safety of our members and staff as we continue to monitor the situation.

Changes to branch hours

Effective Monday, March 23, 2020, our temporary branch hours at our open locations will be:

Weekdays: 10am - 4pm
Saturdays: Closed

Please visit a branch only when necessary. In addition, we will be increasing social distancing by limiting the number of members in a branch at one time.
Our Half Moon Bay and Westlake branches remain closed. Please visit our branch status page on our website for up-to-date branch availability information. Our open branches are being regularly sanitized and we are following the latest public health protocols and directives to keep our employees and members safe.

Access to your money

The safest and easiest way to access your money 24 hours a day during this time is through our mobile and online banking services. If you do not have the SMCU Mobile App, now is a good time to download our app or sign up for online banking. SMCU also offers Call-24 Telephone Banking, an automated phone system to check balances, transfer funds, make a loan payment and much more at (844) 518-0515 and our Contact Center is available to serve your needs Monday – Friday 8AM to 6PM and Saturday 9AM to 3PM. You can meet nearly all your financial needs without leaving your home. If you do need cash, our extensive network of free ATMs can be found at our website. If you need a new or replacement SMCU credit or debit card you can pick one up at one of our branches.

Your money is safe and insured

There are a lot of things to worry about these days, but the safety of your money in your credit union isn’t one of them. Your money is safe, and your savings are federally insured to at least $250,000.

We will continue to monitor this quickly evolving situation and will be here to help if you need us. Visit for the latest information. Ensuring access to your SMCU accounts and providing a safe environment for our members and staff is our priority.


Wade Painter
President & CEO
Authorities are advising consumers to be aware of Coronavirus (COVID-19) related scams, including criminals impersonating The Center of Disease Control and Prevention and the World Health Organization.

As a reminder, if we reach out to you, we will never ask for confidential information such as your name, password, personal identification number (PIN) or other account information. The best practice in avoiding scams is to not click on any links in emails you were not expecting, or you did not request, and be wary of requests for money or personal information.
Mobile Banking
Manage money anywhere, anytime from your phone or device.