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

SMCU OnLine Login




Enroll in SMCU OnLine
Forgot Password

Apply for a Card

Increase Your Credit Limit
Log On to CURewards

Questions?
Call (650) 363-1725 (Option #3)
Email: remoteservices@smcu.org

Lost or stolen credit card?
(650) 363-1725 or (800) 449-7728

CU Rewards®

Spend More. Get More.

Click for details

Help Hurricane Victims.

Redeem CURewards for
   Charity Choice gift cards

Click for details

Image of SMCU's various credit cards.

You can choose what goes on your card.

When you reach into your wallet, what do you want to see? Your cat? Baby? That trip you took to Hawaii? Whatever it is, you can make it happen on your SMCU credit card – for only $8.95 per card.

SMCU Credit cards with cusom images

How to design your card

  1. Sign in to Online Banking at the top-left of this screen
  2. Select the Accounts tab, then select Credit Card from the menu
  3. Click "continue" and be automatically linked to your credit card service
  4. Click Design Your Card under the Services tab and following the remaining instructions

Please Note:

  • The Design Your Card feature is not available for SMCU's Visa® Signature card.
  • You must already have an SMCU credit card to take advantage of this benefit, so if you are applying for a new card, simply wait until you have that card in-hand to start this process.

Questions? Call (650) 363-1799.

Spend more, get more – it’s simple.

With a Visa® Signature, Platinum Rewards, or Business Rewards from SMCU, you’ll have immediate access to a rich rewards program called CURewards.

For every dollar you spend, you get one point – and when you’ve built up at least 2,500 points you can redeem them for a variety of different rewards from well-known merchants or your very own credit union!

Merchant Rewards:

  • Gift cards
  • Airline travel
  • Vacation packages
  • Rental cars
  • Donation to charity
  • Cruises
  • Hotel stays
  • Brand-name merchandise

SMCU Rewards:

  • Box of checks* (950 points)
  • 0.25% rate bonus on top of any standard certificate rate (3,500 points)
  • 0.25% rate discount on a vehicle loan** (8,500 points)
  • $500 discount on mortgage closing costs (15,000 points)
  • $1,000 discount on mortgage closing costs (27,500 points)

Extra perks when you choose SMCU’s Visa Signature:

  • Earn doubt points for gas and travel purchases
  • You can choose cash back instead of rewards – increments of 5,000 points can be redeemed for $50 cash
  • Your points will never expire

Getting started:
To begin using CURewards once you have your SMCU credit card in-hand, visit curewards.com and register. You can also download the CURewards App for Apple or Android using the app store on your phone.

Register for CURewards or Log On to CURewards

*One box of personal style checks up to a $20 value.
**Offer, rates, and terms are subject to change without notice and may vary based on model year, credit history, and term. All loans are subject to credit, income verification, and debt qualification. Equal Opportunity Lender.

Choose the card that's right for you.

Lost or stolen credit card?

Call: (650) 363-1725
or (800) 449-7728

From low rates to great rewards, San Mateo Credit Union offers a range of Visa® credit cards designed with you in mind. Whether you’re just starting out and need to build your credit or you’re looking for a card you can use every day, SMCU has something for everyone.

You can even design your own card and don’t forget to sign up for Account Alerts to keep track of your spending and avoid fraud.

Compare Credit Card Options:

New! Visa® Signature

Visa Signature Card

Apply Now

Credit Card Rates
Guide to Benefits

This card is for you if: You want a higher limit, typically pay your balance every month, and enjoy rich travel rewards.

APR: 11.99%  - 13.99% variable APR*

Features & Benefits:

  • No annual or foreign transaction fees
  • Credit limits from $5,000 - $35,000
  • Double CURewards points for gas and travel purchases and the option to redeem points for rewards or cash back
  • BONUS: Earn an extra 5,000 points if you make $2,500 or more in purchases within your first 90 days
  • Exclusive Visa specials on travel, shopping, and entertainment
  • Use your card as overdraft protection for your SMCU checking account

Visa® Platinum Rewards

Visa Platinum Rewards Card

Apply Now

Credit Card Rates

This card is for you if: You want a blend of rewards and the ability to carry a balance – especially if you have balances on other cards to transfer using the low introductory rate.

APR: Intro rate as low as 2.99% APR* for 12 months on purchases, followed by 10.99%  - 18.00% variable APR*

Features & Benefits:

  • No annual fee
  • Credit limits from $500 - $25,000
  • One (1) CURewards points for every $1 you spend
  • Use your card as overdraft protection for your SMCU checking account

Visa® Platinum

Visa Platinum Card

Apply Now

Credit Card Rates

This card is for you if: You often carry a balance from month to month and want a lower rate to save on interest charges.

APR: Intro rate as low as 1.99% APR* for 12 months on purchases, followed by 9.99%  - 17.99% variable APR*

Features & Benefits:

  • No annual fee
  • Credit limits from $500 - $25,000
  • Lower rate to save on interest charges
  • Use your card as overdraft protection for your SMCU checking account

Business Rewards Visa®

Business Rewards Visa Card

Apply Now

Credit Card Rates

This card is for you if: You’re a small business owner or entrepreneur and need a low-rate rewards card that can keep up with you.
           
APR: Intro rate as low as 1.99% APR* for 12 months on purchases, followed by 11.99%  - 18.00% variable APR*

Features & Benefits:

Student Visa®

Student Visa Card

Apply Now

Credit Card Rates

This card is for you if: You want to establish your credit safely with a low rate, low credit limit, and no annual fee.

APR: Intro rate as low as 2.99% APR* for 12 months on purchases, followed by 10.99%  - 18.00% variable APR*

Features & Benefits:

  • No annual fee
  • Credit limits from $100 - $500
  • Helps you build your credit safely
  • Use your card as overdraft protection for your SMCU checking account

Visa® Secured

Visa Secured Card

Apply Now

Credit Card Rates

This card is for you if: You want to establish credit safely with money in a savings account that will cover you in case you can’t pay your balance.

Rate: 10.99%  - 18.00% variable APR*

Features & Benefits:

  • No annual fee
  • Credit limits from $100 - $25,000: you must place 110% of your credit limit in a savings account as collateral (ex. a $500 limit requires $550 to remain in a savings account)
  • Helps you build your credit with the highest level of payment security

* APR = Annual Percentage Rate; effective December 13th, 2017. All loans and credit cards offered on approved credit. Cards carry a variable rate that can change monthly.

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