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.


SMCU OnLine Login

Your account security is top priority for San Mateo Credit Union (SMCU). For this reason, we inform our members as soon as possible of a possible data compromise to their debit card or credit card. Typically a data security breach to your card can occur from use at a retailer, restaurant or local merchant where you may have recently visited.

Often times the data compromise or card breach puts your card number or data at risk and we typically take the following course of action:

  • Notify you about next steps
  • Limit or lower the number of card authorizations
  • Close or block the compromised card
  • Reissue a credit or debit card

Typically, if a new card is ordered, you can expect to receive the card in about 5-7 business days from the date of notification. Plus, members have the ability to visit one of our branch locations to immediately replace a card. Click here for a list of branch locations and hours.

If you would like to take additional following steps to protect yourself from misuse of your personal and credit information; you could:

  • Set a fraud alert in your credit file. This alert lets creditors know that you want to be contacted before new accounts are opened. The alert and report are available free of charge by contacting the credit agencies listed below:
Equifax P.O. Box 105069 Atlanta, GA 30374 1-800-525-6285
TransUnion Fraud Victim Assistance Division P.O. Box 6790, Fullerton, CA 92834 1-800-680-7289
Experian P.O. Box 9532 Allen, TX 75013 1-888-397-3742
  • Review the FTC’s website for information regarding identity theft at or call 1-877-ID-THEFT (877-438-4338). You may also write to the FTC at Federal Trade Commission Consumer Response Center at 600 Pennsylvania Avenue, NW Washington, DC 20580.

If you have any questions or would like to speak to a representative, please call our Contact Center at (650) 363-1725 Monday through Friday, 8:00 am-6:00 pm or Saturday, 9:00 am-3:00 pm.

Fraud Notification Alert System

At San Mateo Credit Union, we take every possible step to protect you from fraudulent activity on your accounts. Employing the most advanced technology, we offer the advantages of a powerful automated system that:

  • Identifies threats faster
  • Notifies you sooner
  • Equips you with the tools you need to take immediate action against fraud

It’s the height of security—and that’s our top priority.

What The System Offers

Immediate Alerts

If there is any suspicious activity on your account, our automated system contacts you at once by phone or text.

Two-Way Communication

You can take action the second you receive your alert—either by interacting with the system on the phone or by texting the provided command word. All you have to do is follow the prompts to answer questions regarding your recent card activity.

Realtime Support

If any fraud is confirmed, our live agents are ready to assist you to ensure that you receive the best defense exactly when you need it.

How The Call Works

  • An automated call with a pre-recorded, interactive message will notify you of potentially suspicious activity on your account.
  • The recording will tell you the last four digits of your account number and will list up to five transactions performed on your account.
  • Simply indicate whether or not the transactions were fraudulent by replying yes or no.
    • A “yes” answer will transfer you to our Fraud Detection Service Center, where you will be assisted by a live agent.
    • A “no” answer will unblock your card, allowing you to continue to use it without performing any other action.
  • An “unsure” answer will transfer you to our Fraud Detection Service Center, where you may be able to obtain additional information regarding the transaction.
  • If you do not answer the call, the recording will leave you a message. When you return the call, the system will recognize you when you provide the last four digits of your card number that was referenced in the message.

The Text Option

If you prefer to receive fraud notification alerts via text instead of phone, you can register by:

  • Logging on to Online Banking
  • Under Account, click on your credit card account.
  • Select Continue
  • Under the COMMUNICATIONS tab, click Fraud Alerts to register

There, you can also review the FAQs for additional information.

Maximizing Security

While SMCU always keeps pace with advances in technology to increase member security, we recommend that you regularly monitor your credit card activity.

Please be aware that SMCU will never request confidential information, such as your entire account number or PIN. If you are ever asked to provide information that you are not comfortable sharing, call (650) 363-1725 during normal business hours. If you are disconnected while speaking to a live agent regarding fraudulent credit card activity, please call (888) 918-7313.

Headlines about the Heartbleed Bug

Give us the chance to tell you about our security and put your mind at ease. San Mateo Credit Union’s 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:

  • Don’t 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:

The Department of Justice. Many things here including a quick quiz to check yourself:

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.