SMCU's Routing number is: 321174851

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 .

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.

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

The transfer fee for a Domestic Outgoing Wire is $20, the transfer fee for an International Outgoing Wire is $45. Additional fees may apply as other banks involved in the funds transfer may impose additional charges. Learn More About Wires >

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.

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

Buying a car can be hard work. That's why SMCU makes the experience as easy as possible, with a variety of options that let you choose the one that works best for you. Whether you use the services of our free personal auto shopper service, buy at one of our Pre-Owned car sale events, use the convenience of purchasing and signing the papers right at the dealership, or find a car on your own, we can provide financing with a host of features.

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