SMCU's Routing number is: 321174851

To get a complete listing of our Savings, Certificates and Money Market rates, please visit our rates page .

You can make deposits in a number of ways to your SMCU account: Setting up direct deposit of your paycheck with your employer, or ask us about ClickSwitch , an easy electronic way to start or switch your direct deposit! Deposit checks or cash at any of our ATM locations , including over 30,000 Shared Branching ATMs nationwide. Use our Mobile Banking App with Mobile Deposit . Use our External Transfer service in Online Banking. Visit one of our branches .

There are no annual fees on credit cards offered by SMCU. Interest rates will differ based on credit rating and product selected.

Report your card lost or stolen immediately. If your loss is discovered DURING business hours, call: (650) 363-1725 or (888) 363-1725 Hours of operation: Monday – Friday, 8:00 am – 6:00 pm Saturday, 9:00 am – 3:00 pm If your loss is discovered AFTER business hours, call: (800) 449-7728 24 hours 7 days a week For Visa Signature card holders, call: (866) 820-4890 After you report your card lost or stolen, it will be blocked to deny access through ATMs or electronic merchants. Li  More...

Yes , college students with no credit history can obtain their first credit card at SMCU with a $500.00 credit limit. If the college student is under 25 and has limited income, a co-applicant may be required.

SMCU observes the following holidays: New Year's Day Martin Luther King's Birthday President's Day Memorial Day Juneteenth Independence Day Labor Day Veterans' Day Thanksgiving Day Native American Heritage Day (the Friday following Thanksgiving) Christmas Day columbus easter black eve groundhog st saint patrick's juneteenth fourth of july halloween valentines

Yes, SMCU does offer Visa Gift Cards that can be purchased at any of our branches. Visit our Visa Gift Cards page to find out more.

Domestic (U.S. destination) wires may take 12 to 72 hours to arrive at the destination financial institution. The receipt time is dependent upon the time the request was received, any weekend or holiday periods, the geographical location of the destination financial institution, and/or the number of correspondent financial institutions involved in the routing process. International (non-U.S. destination) wire transfers, once transmitted outside the United States, are no longer under the jurisdic  More...

San Mateo Credit Union offers vehicle loans for New , Used , and Refinances .