As a member of Seattle Metropolitan, you enjoy great rates, fewer fees, helpful branch representatives, and being a part-owner of a cooperative who exists solely to serve its membership. But that's not all.

Here you'll find specials like even lower rates on loan products, giveaways, and ways to earn money when you help the credit union grow.

For details and disclosures of each promotion, please click the respective "Learn More" button. Be sure to check back frequently to get the most up-to-date news on promotions from Seattle Metropolitan.


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).

simplify and save!

Simplify and save! Get 1.99% APR* on balances transferred to an SMCU VISA® before 5/31.

The SMCU VISA is already a great value. To make it an even better deal, if you transfer balances from other loans and credit cards to an SMCU VISA card before May 31, 2017, you'll get 1.99% APR* on those balances through March 2018. That can add up to hundreds or even thousands of dollars in interest savings. And by consolidating your debt, you may find yourself with an overall lower payment!

If you already have an SMCU VISA, you can start transferring balances today. Just log into Online Banking and click View Your VISA. From there click Services in the top menu and then Balance Transfer. Then fill out the form for each account balance you'd like to transfer. 

If you need to get an SMCU VISA, it's quick and easy to apply online

If you have any questions, or you'd like to apply by phone, contact our loan experts at 855-575-9352.

Apply Now

  • See the VISA Balance Transfer Details

    * Pricing Disclosure: Promotional rate of 1.99% annual percentage rate (APR) ends midnight 3/31/2018 and applies to transferred balances only. To qualify for promotional rate, transfers must be made between 1/1/17 and 5/31/17 (OFFER PERIOD). Balances can be transferred up to the established credit limit and may take up to 30 days to process. Continue making your payments with your other card issuer until the payoff payment has been received and processed. SMCU is not responsible for late payments on your other issuer’s account. After the Offer Period ends, the standard APR will be applied to any new balance transfers. As of 1/2/2017 the standard variable APR for purchases and balance transfers starts as low as 7.74% and is based on applicant’s credit qualifications. To calculate the standard purchase and balance transfer APR, we add a Margin to the Prime Rate. Fee for foreign purchases is 1% of final settlement amount for transactions completed in foreign currency and 0.80% for transactions completed in U.S. dollars. Cash advance fee is either $10 or 3% of the amount of each cash advance, whichever is greater. Late payment and returned payment fees, up to $25 each. Equity Platinum & Business Visa cards are not eligible for this promotion. You may not pay against other Seattle Metropolitan Credit Union accounts or request a payment to yourself. Refer to your cardholder agreement for additional details. SMCU is Federally Insured by NCUA.

Dream it. Do it. Get a 1% home Equity Loan Rebate*, up to $500.

Home Equity Loans with 1% Rebate

If you’ve been putting off major projects or repairs, now is the best time to get started. Spring and summer are the perfect seasons for home projects, and SMCU is offering a 1% rebate, up to $500, on your loan1. You could redesign your backyard into a Pacific Northwest oasis, or build your perfect kitchen with a double oven and gas stove island. Or, if your home is perfect the way it is, an SMCU home equity loan could still be great for you, especially if you are dealing with high credit card balances, student loans, or other debt. By consolidating your other bills into a home equity loan, you could slash your total monthly payments and enjoy the rebate. Plus, we now offer loans up to 100% Loan to Value (LTV)! This offer is only valid between May 1 and July 31, 2017, so act now.

Apply now by clicking the button below, or by calling our home equity experts at 206-398-5687.

Apply Now

  • See Home Equity Rebate Details

    1 Promotional period begins May 1, 2017, and expires July 31, 2017. All loans are subject to approval of membership eligibility requirements. Applies to home equity loans only; other loan types are not eligible. The rebate of 1% of the approved loan amount, up to $500, will be deposited into the member’s savings account within five (5) business days of loan funding. To qualify, application must be received by 11:59 p.m. PDT, July 31, 2017. Member is liable for any and all taxes associated with this rebate and may receive a 1099-MISC tax form from SMCU. This offer is not valid with any other offer. SMCU reserves the right to cancel or amend the terms and conditions of this promotion at any time and without notice. Loans must fund within 60 days of application date. Existing SMCU loan balances are not eligible for the 1% rebate if refinanced. Contact us for additional details at 206-398-5687. SMCU NMLS# 464295. SMCU is Federally Insured by NCUA and an Equal Housing Opportunity Lender.



For a limited time only, you can secure a great rate on a 33-month share certificate account with complete piece of mind knowing that at any time during your term you can elect to "bump" your CD rate up to the current rate if it rises in the future. Take advantage of this great savings tool with as little as a $1,000 minimum deposit.

If you are ready to open your CD account and aren't yet a member, apply to join SMCU by clicking the button below, by calling us at 206-398-5500, or by stopping by a branch. Your CD can be opened the same day as your membership is approved. SMCU membership is open to anyone who lives or works in the state of Washington or any person related to a current member by blood, marriage, domestic partnership, or adoption.

Join Now

  • See Promotion Details

    APY is Annual Percentage Yield. Rate is effective as of 6/1/2016. APY, Dividend Rates, and Terms subject to change without notice. Account fees may reduce earnings on the account. $5.00 minimum initial deposit to establish membership. $1,000 minimum deposit required to open certificate account. Dividend rate is subject to change at renewal, early withdrawal penalties may apply, including loss of interest earned. See the Shared Certificate Rates Disclosure. Please contact SMCU at 206-398-5500 or 800-334-2489 for further details. See the complete rate table at



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Credit Cards as low as**