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Your savings federally insured
to at least $100,000 and backed
by the full faith and credit of the
United States Government.
National Credit Union Administration,
a U.S. Government Agency.

New and Used Auto

New and Used Vehicles loans are available with financing terms up to 72 Months maximum. New Vehicles Up to 100% of purchase price, including tax and license. Used Vehicle financing Up to 100% of Kelly Blue Book Retail Value.

Signature Loans & Line of Credit

Signature Loans and Lines of Credit are available Up to a Maximum of $20,000 with terms up to 60 Months. The Line of Credit offers overdraft protection to your SMCEFCU Checking account, and can be accessed through our 24 Hour Automated Teller Line.

RV and Boat Loans

Recreational Vehicle* Loans and Boat** Loans are available at extremely competitive rates with financing terms up to 12 years depending on the amount financed. SMCEFCU will finance up to 90% of the purchase on new and 80% on used based on the value.

* RV loans up to 180 months (15 years)
** Boat loans up to 120 months (12 years)


Home Equity Line of Credit

SMCEFCU has two Home Equity products to meet the varied needs of our members. Both products are variable rate tied to Prime Rate. The most popular is the 100% Equity Line of Credit up to a maximum of $25,000 and the second product is our 80% Equity line of Credit up to a maximum $150,000.  We also offer a fixed rate 2nd amortized over 15 years up to $150,000.

Real Estate 1^st Mortgages

SMCEFCU offers a wide range of Real Estate Loan Products, whether you are a first time buyer or looking to move up to a larger home, we have the loan products to meet any needs. We offer fixed rate or variable rate loans or the popular 3/1 - 5/1 & 7/1 adjustable mortgage. The Credit Union can guide you through the process of obtaining a PERS loan or FHA financing.