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

Current Rates  
Checking Open Now Effective Date:  December 09, 2017
Minimum Balance
to Open
Minimum Daily Balance Dividend Rate Annual Percentage
Yield (APY)
Premium Checking $50.00 N/A 1.982% on balances $0.01 - $20,000.00 and 0.05% on balances $20,000.01+ when requirements are met; 0% if requirements are not met* 2.00% on balances $0.01 - $20,000.00 and 0.05% on balances $20,000.01+ when requirements are met; 0% if requirements are not met*
Free Checking $20.00 N/A No Dividends
Business Checking $100.00 N/A No Dividends

Savings Open Now
Minimum Balance
to Open
Minimum Daily Balance Dividend Rate Annual Percentage
Yield (APY)
Regular (Share) Savings $50.00 $50.00 and above 0.05% 0.05%
Business Savings $100.00 $100.00 and above 0.05% 0.05%
Youth Savers $5.00 $5.00 and above 0.05% 0.05%
Holiday Savings $25.00 $25.00 and above 0.05% 0.05%
IRA Savings $100.00 $100.00 and above 0.10% 0.10%
Health Savings Account (HSA) $100.00 $100.00 and above 0.10% 0.10%

Money Market Open Now
Minimum Balance
to Open
Minimum Daily Balance Dividend Rate Annual Percentage
Yield (APY)
Money Market Plus/
Business Money Market Plus
$2,500.00 $250,000.00 and above 0.15% 0.15%
$150,000.00 - $249,999.99 0.15% 0.15%
$125,000.00 - $149,999.99 0.15% 0.15%
$100,000.00 - $124,999.99 0.15% 0.15%
$75,000.00 - $99,999.99 0.12% 0.12%
$50,000.00 - $74,999.99 0.12% 0.12%
$20,000.00 - $49,999.99 0.08% 0.08%
$15,000.00 - $19,999.99 0.07% 0.07%
$10,000.00 - $14,999.99 0.07% 0.07%
$2,500.00 - $9,999.99 0.06% 0.06%
$0.01 - $2,499.99 0.03% 0.03%

Certificates Open Now
Minimum Balance
to Open
Term Dividend Rate Annual Percentage Yield (APY)
Certificates, IRA Certificates

$2,000.00 minimum balance to open a Certificate or IRA Certificate, $500.00 for Education Savings Account (ESA) Certificate

60 Months 2.03% 2.05%
48 Months 1.69% 1.70%
36 Months 1.34% 1.35%
30 Months 1.00% 1.00%
24 Months 1.00% 1.00%
18 Months 0.75% 0.75%
12 Months 0.50% 0.50%
Certificates $2,000.00 11 Months 0.20% 0.20%
6 Months 0.15% 0.15%
3 Months 0.10% 0.10%
Youth Certificate1 $250.00 12 Months 0.50% 0.50%
Add-On Certificate1,2 $500.00 9 Months 0.15% 0.15%
Add-On IRA Certificate3 $2,000.00 24 Months 1.00% 1.00%
Registry Certificate Account4 $100.00 15 Months 0.10% 0.10%

Rates accurate as of effective date and subject to change at any time.  Unless otherwise noted, dividend-bearing accounts have variable rates subject to change at any time after the account is opened.  When a Certificate is opened, the rate is fixed for the stated term.  Dividends are compounded and credited monthly.  To become a member, a one-time, non-refundable membership fee of $10.00 is required ($1.00 for youth 17 and under).  Fees may reduce earnings.  Early withdrawal penalty applies to Certificates.  Early IRA withdrawals may be subject to tax penalty.  Consult your tax or financial advisor for IRA and HSA information.  Pre-authorized withdrawal transaction limits apply to savings and money market accounts.  Please refer to the Truth-In-Savings Disclosure and Cost Recovery Schedule for other account terms and conditions.  Call (650) 363-1725 or (888) 363-1725 for current rate information or about fees and terms.

* APY = Annual Percentage Yield; subject to change. 2.00% APY paid on the first $20,000 in average daily balances and 0.05% APY paid on any balances above $20,000 if monthly (statement cycle) requirements are met: 15+ paid debit POS transactions (ATM, ACH, and pending items do not qualify), one direct deposit or payroll deposit (ACH), and eStatements are selected. If the three monthly requirements are not met in their entirety, the APY paid will be 0%. Monthly statement cycle begins on the first day of each month and ends at 11:59:59pm PST on the last day of each calendar month. See account disclosures for full account details.

1Additional deposits of $50.00 or more allowed during term.

2Maximum balance permitted is $100,000.00.

3Additional deposits of $500.00 or more allowed during initial term only.

4Additional deposits of $15.00 or more allowed.

Auto Loans Apply Now Effective Date:  December 09, 2017
  Term Minimum Amount APR as low as
New and Used Auto
2009 or newer / Max 100k Miles
Up to 130% of MSRP1 / Retail Blue Book
Up to 36 Months   1.99% *
37 - 60 Months $10,000 for 60 month term 2.49% *
61 - 72 Months $15,000 for 72 month term 2.99% *
73 - 84 Months $25,000 for 84 month term 3.49% *

Boats, Motor Homes and Travel Trailers Apply Now
  Term Minimum Amount APR as low as
New & Used Boats, Motor Homes
and Travel Trailers

2009 or newer / Max 100k Miles
Up to 130% of MSRP1
Up to 84 Months None 5.75%

Motorcycle Loans Apply Now
Term Minimum Amount APR as low as
New & Used Motorcycle
2009 or newer / Max 100k Miles
Up to 60 Months None 4.75%

Credit Cards2 Apply Now
  Available Credit APR as low as
Visa® Signature
Credit Card Rates
$5,000 - $35,000 11.99% - 13.99% Variable quarterly,
based on credit-worthiness criteria
Visa® Platinum Rewards
Credit Card Rates
$500 - $25,000 10.99% - 18.00% Variable quarterly,
based on credit-worthiness criteria
Visa® Platinum
Credit Card Rates
$500 - $25,000 9.99% - 17.99% Variable quarterly,
based on credit-worthiness criteria
Business Rewards Visa®
Credit Card Rates
$500 - $25,000 11.99% - 18.00% Variable quarterly,
based on credit-worthiness criteria
Student Visa®
Credit Card Rates
$100 - $500 10.99% - 18.00% Variable quarterly,
based on credit-worthiness criteria
Visa® Secured
Credit Card Rates
$100 - $20,000 10.99% - 18.00% Variable quarterly,
based on credit-worthiness criteria

Unsecured Loans2 Apply Now
Term Available Credit APR as low as
Personal Loan Up to 60 Months $100.00 - $25,000.00 9.99%
Computer Loan Up to 12 Months $300.00 - $2,000.00 9.99%

APR = Annual Percentage Rate.
* Rate includes .25% discount for automatic payment, credit card rewards points, partner/preferred relationship, auto shopper.
1 Subject to credit approval.
2 Total unsecured debt cannot exceed $35,000.00 maximum aggregate limit.
Advertised rates are based on credit criteria and your rate may be higher.

Checking Open Now Effective Date:  December 09, 2017
Minimum Balance
to Open
Minimum Daily Balance Dividend Rate Annual Percentage
Yield (APY)
Premium Checking $50.00 N/A 1.982% on balances $0.01 - $20,000.00 and 0.05% on balances $20,000.01+ when requirements are met; 0% if requirements are not met* 2.00% on balances $0.01 - $20,000.00 and 0.05% on balances $20,000.01+ when requirements are met; 0% if requirements are not met*
Free Checking $20.00 N/A No Dividends
Business Checking $100.00 N/A No Dividends

Savings Open Now
Minimum Balance
to Open
Minimum Daily Balance Dividend Rate Annual Percentage
Yield (APY)
Regular (Share) Savings $50.00 $50.00 and above 0.05% 0.05%
Business Savings $100.00 $100.00 and above 0.05% 0.05%
Youth Savers $5.00 $5.00 and above 0.05% 0.05%
Holiday Savings $25.00 $25.00 and above 0.05% 0.05%
IRA Savings $100.00 $100.00 and above 0.10% 0.10%
Health Savings Account (HSA) $100.00 $100.00 and above 0.10% 0.10%

Money Market Open Now
Minimum Balance
to Open
Minimum Daily Balance Dividend Rate Annual Percentage
Yield (APY)
Money Market Plus/
Business Money Market Plus
$2,500.00 $250,000.00 and above 0.15% 0.15%
$150,000.00 - $249,999.99 0.15% 0.15%
$125,000.00 - $149,999.99 0.15% 0.15%
$100,000.00 - $124,999.99 0.15% 0.15%
$75,000.00 - $99,999.99 0.12% 0.12%
$50,000.00 - $74,999.99 0.12% 0.12%
$20,000.00 - $49,999.99 0.08% 0.08%
$15,000.00 - $19,999.99 0.07% 0.07%
$10,000.00 - $14,999.99 0.07% 0.07%
$2,500.00 - $9,999.99 0.06% 0.06%
$0.01 - $2,499.99 0.03% 0.03%

Certificates Open Now
Minimum Balance
to Open
Term Dividend Rate Annual Percentage Yield (APY)
Certificates, IRA Certificates

$2,000.00 minimum balance to open a Certificate or IRA Certificate, $500.00 for Education Savings Account (ESA) Certificate

60 Months 2.03% 2.05%
48 Months 1.69% 1.70%
36 Months 1.34% 1.35%
30 Months 1.00% 1.00%
24 Months 1.00% 1.00%
18 Months 0.75% 0.75%
12 Months 0.50% 0.50%
Certificates $2,000.00 11 Months 0.20% 0.20%
6 Months 0.15% 0.15%
3 Months 0.10% 0.10%
Youth Certificate1 $250.00 12 Months 0.50% 0.50%
Add-On Certificate1,2 $500.00 9 Months 0.15% 0.15%
Add-On IRA Certificate3 $2,000.00 24 Months 1.00% 1.00%
Registry Certificate Account4 $100.00 15 Months 0.10% 0.10%

Rates accurate as of effective date and subject to change at any time.  Unless otherwise noted, dividend-bearing accounts have variable rates subject to change at any time after the account is opened.  When a Certificate is opened, the rate is fixed for the stated term.  Dividends are compounded and credited monthly.  To become a member, a one-time, non-refundable membership fee of $10.00 is required ($1.00 for youth 17 and under).  Fees may reduce earnings.  Early withdrawal penalty applies to Certificates.  Early IRA withdrawals may be subject to tax penalty.  Consult your tax or financial advisor for IRA and HSA information.  Pre-authorized withdrawal transaction limits apply to savings and money market accounts.  Please refer to the Truth-In-Savings Disclosure and Cost Recovery Schedule for other account terms and conditions.  Call (650) 363-1725 or (888) 363-1725 for current rate information or about fees and terms.

* APY = Annual Percentage Yield; subject to change. 2.00% APY paid on the first $20,000 in average daily balances and 0.05% APY paid on any balances above $20,000 if monthly (statement cycle) requirements are met: 15+ paid debit POS transactions (ATM, ACH, and pending items do not qualify), one direct deposit or payroll deposit (ACH), and eStatements are selected. If the three monthly requirements are not met in their entirety, the APY paid will be 0%. Monthly statement cycle begins on the first day of each month and ends at 11:59:59pm PST on the last day of each calendar month. See account disclosures for full account details.

1Additional deposits of $50.00 or more allowed during term.

2Maximum balance permitted is $100,000.00.

3Additional deposits of $500.00 or more allowed during initial term only.

4Additional deposits of $15.00 or more allowed.

Auto, Personal and Credit Card Rates
Auto Loans Apply Now Effective Date:  December 09, 2017
  Term Minimum Amount APR as low as
New and Used Auto
2009 or newer / Max 100k Miles
Up to 130% of MSRP1 / Retail Blue Book
Up to 36 Months   1.99% *
37 - 60 Months $10,000 for 60 month term 2.49% *
61 - 72 Months $15,000 for 72 month term 2.99% *
73 - 84 Months $25,000 for 84 month term 3.49% *

Boats, Motor Homes and Travel Trailers Apply Now
  Term Minimum Amount APR as low as
New & Used Boats, Motor Homes
and Travel Trailers

2009 or newer / Max 100k Miles
Up to 130% of MSRP1
Up to 84 Months None 5.75%

Motorcycle Loans Apply Now
Term Minimum Amount APR as low as
New & Used Motorcycle
2009 or newer / Max 100k Miles
Up to 60 Months None 4.75%

Credit Cards2 Apply Now
  Available Credit APR as low as
Visa® Signature
Credit Card Rates
$5,000 - $35,000 11.99% - 13.99% Variable quarterly,
based on credit-worthiness criteria
Visa® Platinum Rewards
Credit Card Rates
$500 - $25,000 10.99% - 18.00% Variable quarterly,
based on credit-worthiness criteria
Visa® Platinum
Credit Card Rates
$500 - $25,000 9.99% - 17.99% Variable quarterly,
based on credit-worthiness criteria
Business Rewards Visa®
Credit Card Rates
$500 - $25,000 11.99% - 18.00% Variable quarterly,
based on credit-worthiness criteria
Student Visa®
Credit Card Rates
$100 - $500 10.99% - 18.00% Variable quarterly,
based on credit-worthiness criteria
Visa® Secured
Credit Card Rates
$100 - $20,000 10.99% - 18.00% Variable quarterly,
based on credit-worthiness criteria

Unsecured Loans2 Apply Now
Term Available Credit APR as low as
Personal Loan Up to 60 Months $100.00 - $25,000.00 9.99%
Computer Loan Up to 12 Months $300.00 - $2,000.00 9.99%

APR = Annual Percentage Rate.
* Rate includes .25% discount for automatic payment, credit card rewards points, partner/preferred relationship, auto shopper.
1 Subject to credit approval.
2 Total unsecured debt cannot exceed $35,000.00 maximum aggregate limit.
Advertised rates are based on credit criteria and your rate may be higher.

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