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Relationship Rewards

With SMCU’s Member Relationship Tiers,
the more products you use, the more value you’ll get.

SMCU is pleased to offer our member-owners the benefits of Member Relationship Tiers – a special program that rewards you for using our many products and services. Here’s how it works.

The combined balances1 of your SMCU deposits and loans determine your placement in one of five tiers. Whatever your tier level, you receive a variety of advantages and bonuses.

Your tier may qualify you for loan discounts, real estate discounts, and many free services. If you’re at the Preferred2 or Partner3 level, you’re eligible for our newest discounts!

  • 0.25% APR Auto Loan Discount4
  • Up to $500 Rebate on Real Estate Closing Costs5
  • 0.25% APR HELOC Introductory Rate Discount6

To determine your qualifying membership tier, click here to view our chart or contact us at (650) 363-1725.


Deposits may include checking, savings, money market, and certificates. Loans may include real estate, auto, and personal. Past due loans will not be counted in overall total.


$25,000 - $99,999 in combined deposits and loans


$100,000 or more in combined deposits and loans


Discounts subject to change. Discount applies to auto loans and recreational vehicles. Auto loan discounts may be combined with other special discounts up to a maximum of 0.75% APR, but not below the floor rate.


Partner: $250- Re-finance existing mortgage / $500 Rebate if finance new mortgage.  Preferred: $125- Re-finance existing mortgage / $250 Rebate if finance new mortgage. 


New HELOC (Home Equity Line of Credit) Loans