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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A Low Rate Thatís High on Cost Savings

It doesnít get much better than finding a new way to save money, and thatís precisely what youíll do when you open an SMCU Visa Platinum or Platinum Rewards card.

For the next 12 months, you can enjoy a special low rate as low as 1.99% APR* on balance transfers and purchases.

VISA PLATINUM REWARDS

If you want to combine maximum purchasing power with the added benefit of CURewardsTM, this is the card that offers it all. Earn one point for every dollar spent, and redeem points for:

  • Airline travel
  • Cruises
  • Vacation experiences
  • Hotel stays
  • Rental cars
  • Brand-name merchandise

Best of all, you get 5,000 free rewards points** when you open a new card.

VISA PLATINUM

Enjoy all the security and stability of the Visa Platinum Rewards card, with an even lower fixed rate when your introductory offer ends.

TWO GREAT CARDS. ONE GREAT LOW RATE.

Both cards feature:

  • Fixed rate as low as 1.99% APR for 12 months
  • No annual fees
  • Travel insurance up to $500,000
  • Overdraft protection
  • Grace period on purchases

Your biggest decision will be choosing which card is right for you—and that’s the fun part.

* APR = Annual Percentage Rate.  The promotion rate is valid on balance transfers and purchases only (cash advances not included) and must be made during the promotional period date. Date is subject to change. Promotion period date effective as of April 1 , 2015. The ďas low asĒ 1.99% APR balance transfer rate and/or purchase rate is good for 12 months from the date of balance transfer or purchase. Thereafter the rate will revert to the APR specified in your Card Agreement for balance transfer or purchase. A balance transfer fee of 3% of the advance with a minimum of $4 and a maximum of $300 will be assessed at time of transfer. A late fee of $15 will be charged if minimum payment is not paid within 15 days after the payment due date. Cash advance(s) and overdraft protection transfers are excluded from his offer. All loans are subject to credit, income and debit verification qualification. Penalty rate of 17.99% APR for late payments apply. See your Card Agreement for additional details. Rate and terms are subject to change at any time. ** 10 purchase transactions required within first 90 days of card opening to earn 5,000 reward points. You are eligible for membership in SMCU if you live, work, worship or attend school in San Mateo County, the City of Palo Also or certain areas of San Francisco. A one-time membership fee of $10 ($1 for age $17 and under) is due upon joining SMCU. SMCU is an Equal Opportunity Lender. Federally insured by the NCUA.

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