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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Automated Credit Card Notification Alerts

At San Mateo Credit Union (SMCU), weíre serious about protecting you from fraudulent activity on your credit card account. A new automated system can now identify threats faster and notify you sooner equipping you with the tools you need to take immediate action against fraud. This new system allows you to receive an automated call that easily walks you through reviewing suspicious activity on your card.

Immediate alerts

If thereís a potential compromise in your account, an automated system will contact you. Once confirmation is made of suspected fraudulent activity that may have occurred on your account you are then assisted by one of our live agents* who are there to ensure you receive the best defense exactly when needed.

Member information security is a priority, here at San Mateo Credit Union. As always, we recommend members monitor credit card activity regularly, however, we also recognize that investing in the latest technology to combat fraud is in the best interest of our membership and we continue to look for ways to ensure member security is a top priority.

Members should be aware that, while SMCU does monitor fraudulent or suspicious account activity and may proactively contact a member about this activity, we will never call and ask for confidential information such as your entire account number or PIN number. Contact (650) 363-1725 or (888) 363-1725 during normal business hours if you have been asked to provide information that you are not comfortable with sharing. *If you are disconnected, outside of normal business hours, while speaking to a live agent regarding fraudulent credit card activity please call (888) 918-7313.


The Home Depot Data Breach

San Mateo Credit Union (SMCU) is aware that The Home Depot is investigating the theft of credit and debit card data from its stores. Initial reports demonstrate potential risk for transactions completed April through September 2014. As always, SMCU recommends members monitor account activity regularly.

Here are answers to some questions you may have:

  • Where can I learn more about the breach and The Home Depot's response?
    The Home Depot released a preliminary announcement that it is working with law enforcement and financial institutions to investigate. Visit The Home Depot's media center for more specific information.
  • How can I find out whether my card was affected?
    SMCU monitors fraudulent activity. At this time there is no need to call SMCU regarding status of your card as it relates to The Home Depot's breach. Once we can verify who may have been affected by this breach, we will  notify any member that may have been impacted.
  • Should I cancel my card?
    If we determine that your credit or debit card needs to be reissued you will receive a notification from SMCU.
  • What should I do while awaiting notification or if I see suspicious charges on my account?
    Review account activity and notify us if you see anything suspicious or unusual.
  • If my card has been breached, will SMCU reissue my card?
    If we determine your account has been at risk, we will notify you about next steps which may include a card reissue. Every effort will be made to minimize any inconvenience to you.
  • How could my account possibly be impacted by The Home Depot breach?
    The breach occurred on The Home Depot's payment data systems. Rest assured that the breach did not occur at San Mateo Credit Union. This compromise occurred when paying for an item while shopping at The Home Depot during the estimated period of April through September 2014.  Visit The Home Depot's media center for more specific information.

 

Headlines about the Heartbleed Bug give us the chance to tell you about our security and put your mind at ease. San Mateo Credit Unionís online presence is not vulnerable to this bug. Please be assured that we regularly review, scan and test our systems for security threats such as this and are active in early warning groups so we can respond quickly when necessary. But, viruses such as this remind us about being safe with passwords and internet security and remembering the following basics:

  • Donít re-use your password between sites.
  • Change your passwords regularly.
  • Be sure you trust a site before entering your personal information.
  • Run virus software on a regular basis.
  • Watch out for emails asking you to click a link. When in doubt, go to the website directly.

 

Fraud and Identity Theft Awareness Tips

We've all heard of identity theft.  It seems like someone else's problem until suddenly it's not. It can happen to anyone.
Identity theft is more than just a lost credit card. Criminals can weasel their way into all of your accounts.  They can suddenly become you. This happens every 3.3 seconds of every day to someone.

We've got some suggestions that can help.  We talked to the FBI and some of the shrewdest defenders and we've got a simple starter list of things you can do:

1. Go paperless.  It's much more secure than having anything mailed to you.

2. Shred.  Don't just dump your old bills into the recycling bin and feel good about it.  Feel better when those documents with your name on it are shredded.

3. Simplify your wallet.  If you have a wallet or purse filled with every credit card and ID card in your world, you are asking for trouble.  One swipe when you're not looking and you have a nightmare for months or years.  Please, just take with you what you need, like one credit card and your driver's license. Do you really need more than that?

4. Copy your entire wallet on a copier machine. Both sides.  Then you have the 800 numbers at the ready if anything ever happens.  You can instantly cancel everything.

5. Turn your firewall on.  Make sure your computer is safe.

6. Never get cash from a free-standing ATM that says "ATM" at some gas station or convenience store.  Those are identity theft centers. Use us, or the CO-OP Network.

7. Put a fraud alert at all three credit bureaus. They'll contact you if anything suspicious starts happening.

8. Never reply to an email asking for your information, especially those clever ones that tell you your Visa card is stolen or that Apple needs to update your iTunes password. Really? Think about it.

Finally, here's some outside resources that we found useful:

The Federal Trade Commission has quick and smart instructions:
http://www.consumer.ftc.gov/features/feature-0014-identity-theft

The Department of Justice. Many things here including a quick quiz to check yourself: 
http://www.justice.gov/criminal/fraud/websites/idquiz.html 

 

What is a DDoS?

Essentially, a DDoS—or Distributed Denial of Service—is a method of flooding an Internet connection with messages so the website is unavailable for normal business.

While it may sound scary at first, the only real problem caused by a DDoS is a spike in Internet traffic that would prevent us from returning a web page to you in a timely manner. It would not affect the security of your SMCU accounts or personal information in any way.

We are sharing this information with you because we want you to remain aware and educated about the availability of the SMCU online systems at all times.

As always, we will do everything in our power to ensure uninterrupted service to our members.

Please call or email us if you have any concerns.

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