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About San Mateo Credit Union

Founded in 1952, San Mateo Credit Union (SMCU) is a member-owned financial institution that currently serves more than 90,000 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 exclusive benefits including:

                •  $50 new checking account bonus
                • .25% discount on an auto loan
                • 1% cash back on an auto refinance
                • 2.99% APR intro rate on a Visa Signature Card
                • $1,295 off mortgage closing costs

For more information please visit Please contact your SMCU benefits administrator, Michele Enriquez- Da Silva at or (650) 562-1282 to obtain a membership application, apply for a loan, access our website, change/enroll in payroll deduction with SMCU or for general inquiries.

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 view the flyer and FAQ.