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If you are over 18 and have a valid Social Security Number or Individual Taxpayer Identification Number (ITIN) please click the "Join Now" button to continue.

If not, or if you have any questions, please visit a branch location or call us at 800-334-2489.

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Anyone in Washington Can Join

Membership is Open to Anyone in Washington State

If you live or work in the State of Washington, work for one of our Select Employer Group partners, or are a relative or domestic partner of an existing Seattle Metropolitan member, you're eligible to become a member. 

All it takes is a few minutes and a couple of clicks. You could be finished before the end of your lunch break and on the road to taking back control of your money. Click the button below to get started.


Become a Member

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. Member is liable for any and all taxes associated with this rebate and may receive a 1099-MISC tax form from SMCU. 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).

Note: Please do not submit multiple applications. If you are interrupted or experience any problem, please call 800-334-2489 and we will personally assist you with your application. 

Rates

 

Auto Loans as low as*

 

1.49%APR

Certificates as high as

 

2.02%APY

Checking as high as*

 

6.14%APY

Credit Cards as low as**

 

7.74%APR