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 .

Report your card lost or stolen immediately. To report a lost or stolen Debit Card or Credit Card: (888) 363-1725 (within the U.S.) (650) 363-1725 (outside the U.S.) Hours of operation: Monday – Friday, 8:00 am – 6:00 pm Saturday, 9:00 am – 3:00 pm After you report your card lost or stolen, it may be blocked, denying access through ATMs or electronic merchants. Liability: You will not be held for liable for transactions committed fraudulently or in error as long as they are   More...

Compare the rates and terms. Most new auto loans carry 4 or 5-year terms, but you can often adjust the term to fit your needs. A shorter term loan generally results in a higher monthly payment than a longer term loan, but longer term loans charge more interest. Overall, it's less expensive to choose a shorter term if you can afford the payments.

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 >

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...

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.

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

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.