Membership and Benefits

What does it mean to be a member of SMCU?

It means being local is a big deal to you.

Seattle Metropolitan Credit Union was founded in 1933 by City of Seattle municipal workers. In the 80+ years since then, we've grown with this area. We know what people of the Seattle-area and the Northwest value. We know because that's who we are, and we value those things too. 

Being a local credit union means Seattle Metropolitan works very hard to make a difference in the lives of the people of this region, members or not.

Ride off with a 1% rebate up to $250*. Auto | Boat | RV

1% Rebate on Autos, Boats, and RVs

SMCU has rates as low as 1.49% APR on car, truck, and motorcycle loans. And rates as low as 3.49% APR on boat and RV loans. Look around and you'll see that they're already some of the lowest in Washington. But, between now and June 30, you can ride off with a 1% rebate, up to $250 and save even more!

Spring is always the perfect time of year to upgrade your vehicle, shop for a boat to enjoy the Puget Sound, or to get an RV for road-trip season. Combine our low rates and this 1% rebate with the fact that we charge no origination fee and offer an any-time skip-a-pay program that gives you more payment flexibility, and you can already feel yourself cruising down I-5. 

To apply call an SMCU loan specialist at 855-575-9352 or click the button below.

Apply With Rebate

  • Promotion Details

    * This offer begins April 1, 2017 and expires June 30, 2017. The 1% rebate applies to all new auto, boat, RV purchase-money loans only. All loans are subject to SMCU credit underwriting requirements. Non-member applicants must meet SMCU membership eligibility requirements and must become an SMCU member prior to or concurrent with loan funding. Applicant's loan must be approved by 11:59 p.m. PDT on June 30, 2017 and funded within 60 days of application date to be eligible. The rebate of 1% of the approved loan amount, up to $250, will be deposited into the member’s Savings account at loan funding. The rebate bonus is considered interest and may be reported on IRS Form 1099-INT. SMCU reserves the right to cancel or amend the terms and conditions of this promotion at any time and without notice. Contact us for additional details at 855-575-9352. The rebate applies to the funded loan amount only, less ancillary loan products such as Guaranteed Asset Protection (GAP) and Mechanical Breakdown Protection (MBP).

It means you are guided by principles and want a financial institution that is too.

We adhere to a set of principles that have guided cooperatives like us since the late 1700s. They help us act in ways that ensure that we always make decisions that keep our members' best interests in mind. What are they?

• Membership should be open to all.
• Members should call the shots.
• Member participation benefits the entire credit union.
• Autonomy and independence set us apart.
• Financial education should be free and available to all.
• Cooperation among cooperatives is vital.
• Giving back to the community is a priority.

You'll notice none of the principles say anything about maximizing shareholder value. That's because we're owned by our members, not some outside interest looking to turn a profit.  

It means you value being part of a community.

Credit unions have always been about neighbors helping neighbors, and Seattle Metropolitan continues that tradition. We are a local financial institution built by the people we serve. Every dollar you bring to Seattle Metropolitan is used many times over to help grow a stable financial community where everyone has access to the resources they need at some of the best rates around. Here are just a few ways we give back:

Feel Good Checking

Feel Good Checking

Feel Good Checking is the checking account only a co-op could build. It's a free checking account with no monthly service fee and no minimum balance requirement. Feel Good Checking account holders get free checks for life1 and a great dividend rate on their first $5002. But, that's not all.

For every Feel Good Checking account opened, SMCU will donate $20 to your choice of seven non-profit organizations who are providing great services to those who need it most.


The A.G. "Tony" Marino Scholarship Program

Seattle Metropolitan values education and the benefits it confers on both students and the people they impact. That’s why we created the A.G. “Tony” Marino Scholarship Program. This scholarship program honors Mr. Marino, our founder, and his many contributions to the credit union.

Each year we award ten $2,000 scholarships to eligible Seattle Metropolitan members and their dependent children.3 The scholarships are awarded based on academic standing, financial need, and extracurricular activities and/or employment.

It means you don't have to make sacrifices to choose a company you can believe in.

When you become a member of Seattle Metropolitan, you get all the products and services you expect from a full-service financial institution. Products and services like:

Seattle Metropolitan Mortgages

A Robust Mortgage Center

Whether you’re buying your first home or looking to refinance a mortgage that no longer fits your needs, Seattle Metropolitan has the expertise to make sure you get the right home loan that you’ll love for as long as you love your home.

Learn More

SMCU VISA Credit Cards

A Top-of-the-Line Credit Card

A Seattle Metropolitan VISA® credit card is one of the best deals in the financial industry. You'll get:

  • Rates as low as 6.99% APR5,
  • No annual fee,
  • No balance-transfer fees, and
  • Free enrollment in CU Rewards™, an industry-leading rewards program that allows you to redeem points for travel and brand-name merchandise.

Learn More


A Worldwide Network of Surcharge-Free ATMs

As part of the CO-OP ATM Network, Seattle Metropolitan gives you access to a system of surcharge-free ATM that is bigger than anything big banks can offer. You can use any of the nearly 30,000 U.S. ATMs with no fee. Check your balance, transfer money, make deposits6, and get cash wherever you go with no hassle.

Learn More

Auto Loans

An Auto Loan Program that the Dealers Can't Match

Most lenders’ auto-lending services stop when you sign the loan papers. Not Seattle Metropolitan Credit Union’s.

As a Seattle Metropolitan member, you have access to Autoland™, one of the largest auto-buying services in the United States. Autoland will help you find exactly the car you want, new or used, and negotiate on your behalf, so you get the best possible deal. When you find the right car, you can do the financing right at Seattle Metropolitan and have Autoland deliver your new car to the Seattle Metropolitan Credit Union branch nearest you.

Seattle Metropolitan auto loans also come with optional services, such as:

Anytime Skip-a-Pay, which allows you to skip up to two regular payments every twelve months7 when you need a little extra cash.

Guaranteed Asset Protection (GAP), which in the event your car is stolen or totaled can pay the difference between what your car is worth and what you owe.

Mechanical Breakdown Protection (MBP), also called Extended Warranty, protects you against expensive repairs at prices that can be thousands less than programs through the dealer.

Debt Protection, which can alleviate some of the pressure of your car payment if you are sick, injured, or lose your job8.

Learn More

It means your future is as important as your past.

Everyone starts somewhere. That doesn’t mean you’re stuck there forever. Sometimes, though, you need help getting from where you are to where you want to go. Turn to Seattle Metropolitan to get you on your way.

Rebuilding Your Credit

If you’ve had credit struggles, you know they can make things tough. You can’t get the credit you need. You pay higher insurance premiums. They can even make it hard to get a job. Seattle Metropolitan has years of experience helping our members create plans for getting out of debt and rebuilding their credit, so they can get a car or buy a house.

Learn More

Planning for Retirement

Everyone has dreams of the good life that comes after the achievements of a career well spent. To get there you need a strategy that adapts to changes and keeps your goals in focus. Seattle Metropolitan works with LPL Financial to help you get the advice and expertise you need to build your nest egg and to ensure that it lasts as long as you do.

Learn More

It means you have a life to live and you need a financial institution that doesn't get in your way.

One of the best parts of living in the Pacific Northwest is that no matter what you like to do , you can do it here. All that activity means that you don't always have time to stop by a branch to deposit a check or apply for a loan. 

Seattle Metropolitan understands, and we offer a full suite of remote access and convenience services to help keep you on the go. As a Seattle Metropolitan member you can:

Mobile App

Use the SMCU mobile app to transfer between Seattle Metropolitan accounts, find the nearest branch or ATM, and deposit checks by taking a picture with your phone.


Access more than 30,000 surcharge-free CO-OP ATM Network ATMs to get cash across the country and around the world.

SMCU VISA Debit CardUse your Seattle Metropolitan VISA® debit card to access your checking account to make purchases anywhere VISA is accepted.

Apply OnlineApply for loans online and even sign loan documents electronically without ever setting foot in a branch9.

Co-op Network Shared BranchingUse the more than 5,000 shared branches of the CO-OP Shared Branching Network to do your banking just as if you were standing in the Seattle Metropolitan branch in Downtown Seattle. Visit to learn more about the CO-OP network of ATMs and Shared Branches.

Being a Seattle Metropolitan member means you’ve seen what else is out there, and you want something better.

Welcome to Seattle Metropolitan Credit Union.


       Join Now       


Limit one box per year

Enrollment in eStatements and a recurring Direct Deposit into the account are required to maintain dividends

SMCU Employees, Board of Directors, members of the Scholarship Committee, their families and previous scholarship winners are not eligible.

5 Loan approval and final rate are based on SMCU lending criteria.

6 Not all ATMs offer deposit services.

7 Other requirements apply. Visit for complete details.

Conditions and eligibility restrictions apply.

9 Not all loan types are eligible for electronic signature.



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Credit Cards as low as**