SMCU is proud to support the youth in our community and offers two $500 scholarships. Apply now
Welcome to the Beginning of Financial Freedom.
Heading back to school?Going to college? Already there? Either way, it’s a time of transition and a chance to flex your financial independence. To help you meet the changes and challenges that lie ahead, we’ve put together financial programs to help teens and college bound students develop and strengthen wise financial habits- the first step toward a sound financial future.
So, we’re giving you a jumpstart with:
Free Checking
Visa Direct Check Card
SMCU Online
Bill Pay
Overdraft Protection
Student Visa (ages 16-18)
Low Introductory Rate of 11.99% APR, for first 6 months1
Credit limits up to $500
No annual fee
No loan application required if between the ages of 16-17. If age 18, a loan application not required as long as a parent consent form is received.
Click here for application steps to receive your Student Visa.
Classic Visa (ages 18 and above)
Low Introductory Rate of 10.99% APR for the first 6 months2
Credit limits up to $5000
No annual fee
Computer Loan
9.99% APR3
24 month term—maximum
Up to $2000
First-time Auto Loan (ages 16 and older)
Competitive low fixed rates
Terms from 24 to 72months
Free Personal Auto Shopper service to help you find the best deal on a new or used vehicle
Co-signer maybe required
1 APR = Annual Percentage Rate. Rate is valid for six months from open date of a new Student Visa card. Thereafter, the rate will revert to the APR specified in your Card Agreement. Penalty rate of 17.99% for late payments will apply. Minimum credit limit is $100.See your Card Agreement for additional details. Payments will be applied first to the portion of your balance with the lowest APR. Rates and terms are subject to change. Please contact SMCU for details.
2 APR = Annual Percentage Rate is valid for six months from open date of a new Classic Visa card. Thereafter, the rate will revert to the APR specified in your Card Agreement. Penalty rate of 17.99% for late payments will apply. Minimum credit limit is $100. See your Card Agreement for additional details. Payments will be applied first to the portion of your balance with the lowest APR. Rates and terms are subject to change. Please contact SMCU for details.
3 APR = Annual Percentage Rate fixed at 9.99% . All Rates Subject to Change. SMCU does not charge application fees or closing costs on the loans shown above.
Rates Effective July 8th, 2008.
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