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About the San Mateo Credit Union

Founded in 1952, San Mateo Credit Union (SMCU) is a member-owned financial institution that currently serves more than 82,000 members who count on SMCU for savings and checking accounts, low-interest car loans and home mortgages, investment services, retirement planning, and more. With seven San Mateo County branch locations, full ATM services, and a comprehensive online banking system, SMCU works hard to meet its members’ complete financial needs. Membership is open to anyone who lives, works, worships or attends school in San Mateo County, The City of Palo Alto and certain areas of San Francisco. As an active member of the community for nearly six decades, SMCU is proud to offer membership to San Mateo County Employees. San Mateo County Employees can take advantage of the one-time $10 membership fee waiver and.25% discount on an auto loan.

Please visit the San Mateo Credit Union exclusive benefits page for San Mateo County employees or contact your benefits representatives, Michele Enriquez- Da Silva & Leila Perreras at or (650) 562-1282. To obtain a membership application, apply for a loan, access our website or obtain direct deposit information, please visit:

ENTER TO WIN $100 Visa Gift Card!

Feedback from San Mateo County employees is valuable to us at San Mateo Credit Union. We are conducting an employee-wide survey to uncover opportunities to better serve you! Complete the survey at the link below to be entered in to win a $100 Visa gift card:

County Employee Down Payment Assistance Program

San Mateo Credit Union is proud to be partnering with San Mateo County for a down payment assistance program. Please check back often or review your employee communications for upcoming informational sessions.


County Employee Quick Cash Loan Program

San Mateo Credit Union (SMCU) has been serving County employees since 1952, and we’re proud to be the preferred lender for this exciting Quick Cash program in partnership with the County of San Mateo Department of Human Resources.  For more information please click here for the flyer and click here for the FAQ.