While a big mortgage payment can strain a budget, the fact that it’s such a big portion of your monthly spend means your mortgage can be a great place to save money.
Whether it’s a vacation getaway, rental property, or retirement home, you have a few different options when it comes to financing a second home.
The equity you have in your home can be one of the most powerful financial tools you have. From paying for home improvements to consolidating debt, your equity can provide the cash for all sorts of projects and payments.
We've heard feedback from members who want to receive text message alerts informing them of suspicious activity on their account. At Seattle Credit Union, we want to do everything we can to keep our members safe and informed. Starting July 2, we will be offering this service to our whole membership. There's no need to opt-in. If you have a Seattle Credit Union debit card and we have your mobile phone number on record, you're already enrolled.
You spoke, we acted. Now, we’re pleased to announce an enhancement to our online banking experience. Starting in June, checks debited from your Seattle Credit Union accounts will appear in your online banking dashboard immediately upon processing instead of appearing the following business day.
Welcome to the Emerald City, crown jewel of the Pacific Northwest. This is the land of NPR, bookstores, corporate giants, farmers’ markets, and copious amounts of caffeine. Yes, it does rain here, but that doesn’t stop Seattleites from enjoying life. In the winter, music, art, theater, and diverse cuisine keep the city buzzing. And when the sun comes out, you’ll find residents heading for the mountains and lakes, attending a festival, or flocking to the city’s many parks.
Whether it’s your first or your next, home ownership is a big milestone for anyone. In a hot housing market like Seattle, the entire process – researching, shopping, financing, and moving in – can feel overwhelming. Sometimes, the hardest part is getting started.
Since 1933, our diversity of experience and skill have helped us support Washingtonians on their journey to prosperity.
If you have a mortgage, you already know a thing or two about home ownership. If you’re the typical home owner, there’s never a shortage of what can be done to upgrade, fix, or change something about your home. Costs can seem daunting, but that’s where the equity in your home can help.
If you are planning a home improvement project this spring or looking for a good way to consolidate your high-interest debt, you may be thinking about borrowing against the equity in your home. While that can be a great way to get the money you need, knowing a little about the available options can help you avoid ending up with the wrong loan.
If you’re thinking about buying a new car and you’re not sure where to start, you’ve come to the right place. Your first instinct might be to head straight to the dealership, but a little bit of financial planning and preparation can go a long way. Here are 4 steps to guide you on your way to getting a great deal on your new car.
New Year’s resolutions. Whether you love ‘em or hate ‘em, the start of a new year often inspires reflection. What do you want to accomplish? What do you want to improve upon or change?
To help reduce the need for landfills and prevent pollution, make sure you know what goes in your home recycling and yard waste bins by reviewing this guide.
Looking for ways to save money and still have fun in the Emerald City? Us too! That’s why we have collected some of our favorite free activities in the city for you and your family to explore and enjoy.
With just a few hours of your time each week, or even each month, you can help make our community a better place. Here are some places to volunteer in Seattle.
Seattle is obsessed with its pets. With more dogs in the city than children, it’s easy to see why Seattle continues to be a dog-lover’s top city of choice.
Sherryl knows better than most just how many curve balls life can throw your way. A Seattle native, she’s spent the last few years juggling a business, managing a family, and overseeing rental properties.
Credit union history is rife with strong, compassionate African American leadership that has strengthened communities and influenced the industry as a whole. Black History Month is a great opportunity to reflect on individuals who have dedicated their careers to empowering traditionally marginalized communities. Here are a few of our favorites.
You’ve been to most of Seattle’s must-eat food spots. You’ve seen the sunset from Gasworks. And you’ve explored every neighborhood and green space in Seattle proper. Now what? If you’ve explored the Seattle sights and are wondering where to have your next adventure, it’s time to get out of the city. Here are four weekend getaways within a 3-hour drive from Seattle.
Identity theft happens when someone uses another’s personal information without permission, and everyone’s a target. Criminals look for social security numbers, birthdates, passwords, Medicare numbers, passport numbers, and bank account numbers.
Join Seattle Credit Union for the 2019 Annual Meeting on Wednesday, March 27, at our headquarters in Downtown Seattle. The Annual Meeting is an opportunity for you, as a member-owner, to learn about the performance and strategic direction of your financial cooperative. It is also your chance to bring questions and suggestions directly to the Seattle Credit Union Board of Directors.
Whenever you make a payment from your checking account, it’s a good idea to have enough funds in your account to cover it to avoid overdraft fees and returned payments. But sometimes, life throws unexpected expenses our way. Here are some strategies that can help you avoid overdraft fees.
Whether you’re a teacher, nurse, or business owner, one thing we all have on our to-do list this year is to file our taxes. Being prepared and tackling your taxes before the April 17, 2018 deadline will help reduce stress you may be feeling about the process. Here are some tips for successfully filing this year.
Do-ers, Dreamers and Adventure Seekers in Seattle have a rich history of giving back and giving big. From large to small businesses and everywhere in between, residents continue to share in memorable, philanthropic ways seen all around the Pacific Northwest.
As the legal guardian of her three grandkids, 10, 8, and 4, Kim Parker’s top priority is to ensure they have a good, stable life. Kim works from home as a paralegal and in 2013, purchased a Subaru Outback to more safely transport the kids to school, extra-curricular activities, and various doctor appointments. Despite good credit, her interest rate was high, and making those payments was tough. She was just getting by month-to-month.
We're here to help you every step of the way on your road to financial prosperity. In addition to low rates and few fees, here are more ways to get rewarded for simply paying your bills with the Seattle Credit Union Visa.
“I always remember dates. The moments my life changed.” For member Debra, April 9, 2009 is one of those dates. It’s the day she got clean.
This week, we're excited to highlight our community partner, Entre Hermano, an organization dedicated to helping Seattle's Latino LGBTQ community.
Looking to declutter for the New Year? You’re not alone. As the fresh start of 2019 begins, many of us are thinking about our to-do lists.
Ken came to the US from Xian, China, at 19 years old, landing in Bellevue. Now he’s the owner of a thriving Asian grocery business, Asian Food Center, a destination market for a ‘taste of home’ with three locations in the Pacific Northwest—Bellevue, Seattle, and Beaverton, Oregon.
Whether you are looking for your first home, refinancing a car, or renting an apartment, understanding your credit score and how to improve your score is beneficial to securing better rates along your financial journey.
Along with building your financial independence comes the responsibility of retirement planning. For many, guaranteed pension plans are not an option and Social Security isn’t enough.
Before you take off on an international trip remember to double-check your passport. Do you have one? Do you need to renew it? Be sure to plan ahead, since U.S. Passports can take 4-6 weeks (expedited 2-3 weeks) to be returned to you. Fortunately, the process is pretty simple. Just follow these steps.
It’s a big milestone for anyone. Owning a home in one of the most competitive markets in the country is no small feat. For many members, this goal can feel nearly insurmountable. But Laurie is used to overcoming.
As our personal and professional lives become more and more dependent on technology, most of us own at least one or two gadgets, maybe even more. Combine this with the rate at which technology is evolving, causing us to dump our old models in favor of faster, sleeker ones, and we’ve got an e-waste problem on our hands.
If you’re looking to downsize and give a second chance to gently-used items, here is a resource for you to find a spot to donate them to others that might need them.
Holiday festivities are in full swing! For many, those includes gift-giving, which has strong roots in the Pacific Northwest.
The Emerald city is an international hub of inspiration and connectivity, and its combination of art, nature, and innovation keeps us coming back for more.
Skimming—the process of stealing your credit or debit card information at cash machines, gas pumps, restaurants, and in self-checkout lanes—is popular among the unscrupulous because there’s a lot of money to be made if they’re successful. According to the US Secret Service, the agency that investigates bank fraud, it’s a multi-billion dollar a year problem.
Seattle Credit Union membership comes with benefits to help you prosper. Did you know as a member you can save $100 on any new line opened with Sprint?
'Tis the season for warm socks and an extra layer or two. This holiday season we are proud to participate in Wellspring’s Holiday Giving Campaign starting November 27 and runs through December 20.
With security breaches regularly making headlines, it’s more important than ever to stay on top of securing your personal data. Hackers will keep hacking, and crooks will find new ways to fool, cajole, or coax you to give them your secure information. Here are nine tips to help keep you safe.
We're fortunate to meet so many organizations throughout Washington that work tirelessly to make this world a safer, more just place.
While some tried-and-true scams continue to haunt us (think Craigslist and mystery shopper scams), criminals continue to think of new, clever ways to commit fraud. New trends we’re seeing right now: attacks on domestic and international students, and new immigrants to the United States.
As we live more of our lives online, we must remember that our personal information also lives online. Each purchase, transaction, and communication leaves a footprint that criminals are eager to use for nefarious purposes.
Your credit report is one of the most important and helpful tools you have to manage your personal finances. Credit reports detail everything that makes up – and influences – your credit score.
Through our Select Employer Group program, we’re proud to align with community partners committed to strengthening community through the work they do every day. In honor of National Adoption Month (November), we’re highlighting Children’s Home Society of Washington.
Proclaimed in 1990, November is Native American Heritage Month and we encourage staff to learn more about its history and cultural significance. Congress chose this month because it concludes the traditional harvest season and was generally a time of thanksgiving and celebration for Native American tribes.
Beneath the shiny, new office buildings and countless construction projects displaying Seattle’s continued surge of development and progress, persists an underlying struggle with homelessness.
Elizer (pronounced El-zer) may not have a sidekick named Watson, but his work over the last four years on the Operations team may remind you of Sherlock Holmes.
When we unveiled our new name, we reviewed our connection to the city of Seattle and the people who live in the Puget Sound region. We looked around and saw unprecedented growth and opportunity that has brought new jobs and new residents to town.
A $2,000 balance on your MasterCard – how did that happen? (Oh yes, dinner out, new tires, school clothes for the kids…) Thankfully the minimum payment is only $38. You can afford that!
Are you considering transferring your credit card debt to a “teaser rate” card (where a very low interest rate is charged on balance transfers for a specific amount of time)? If so, don’t just do the math—there are many other factors to take into account before shifting your balances.
Whatever your sport of choice may be, Seattle’s SoDo district has a stadium destination for you. From football and soccer to baseball, the Seattle Seahawks, Seattle Sounders FC, and Seattle Mariners provide game day retreats for all Seattelites to enjoy all year round (and concerts too!).
Millennials remain a popular conversation topic across industries, largely because they tend to approach common life experiences in nontraditional ways. When it comes to retirement, research shows millennials continue to challenge the status quo. A recent study conducted by The Center for Generational Kinetics and published by Broadridge Financial Solutions uncovered important insights about how this generation thinks about – and plans for – the inevitable milestone.
We’re looking for talented, experienced leaders for Board and Supervisory Committee positions who will provide governance in shaping the future of this dynamic organization. Since its founding in 1933, Seattle Credit Union has grown into a $800 million, full-service financial institution with nearly 50,000 member-owners.
Our Seattle Credit Union volunteer team of 12 nailed it (literally) last week at United Way's national Day of Caring. They worked at Lake Union Village, a tiny house village for people experiencing homelessness. They painted, furnished, worked on carpentry and flooring, landscaped, cleaned, and beautified.
Like other dynamic cities around the world, Seattle thrives on the passion and ambition of a diverse population. As Seattle booms, people from all over the world continue to move here, seeding their dreams in a region ripe with opportunity. However one defines prosperity, the Pacific Northwest provides a path to it. For Seattle Credit Union member Musa, his journey to prosperity included achieving U.S. Citizenship.
The Consumer Bankruptcy Project recently released its newest findings, and the results are scary. Since 1991, the rate of people 65 and older filing for bankruptcy has increased 200 – 300 percent. The reasons include declining wages, increased debt, and more out-of-pocket healthcare costs, among other things.
When you take out payday loans, it’s easy to fall into a trap. While they are convenient, these loans charge exorbitant interest rates.
If you’re shopping around for financial products, you may have come across two similar things with different names: Certificates of Deposit (CDs) and Share Certificates.
We all have them. In fact, most of us have more than one, and nearly everything we do affects them. Whether you use your credit card at the checkout counter, or get a no-interest loan for new furniture, your credit score is a record of your spending habits.
If you haven’t built yourself an emergency savings fund, now’s the time to get started. This fund allows you to continue paying your bills if there’s a major unexpected expense without relying on credit or going into debt.
By managing your monthly expenses, you can reduce the anxiety that comes with borrowing and maintain your financial health.
If your parents ever warned you to turn off the lights when you left the room as a child, you might’ve rolled your eyes. After all, how much money can it actually save?
Learn the many benefits of green vehicles; save on electric and hybrid-electric vehicles with Seattle Credit Union's green loans.
Time outdoors should be fun for the entire family. Yes, this includes our tail-wagging friends too. When it comes to choosing hikes for our dogs it is important to know the precautionary measures you need to take to ensure a safe experience for all parties. Here, you will find trail rules for our furry friends in Washington State.
There is no “right time” or “one size fits all solution” to buying your kids’ first phone. However, when the time does come to get one, it is important to discuss phone responsibility and boundaries with your children. If it’s your child’s first phone, remind them that a phone is a privilege, not a right. Discuss ahead of time what the consequences will be for misuse of the device.
While moving may or may not be fun for you, taking the necessary steps to prepare for your move and budgeting ahead of time will help you avoid a headache in the long run.
As you do your house cleaning, you may think of a new feature or two you’d like for your home. Although improvements can be expensive, thinking through the logistics and costs can give you a sense of the potential benefits too. Ideally, an improvement should boost your home’s value. In this regard, some changes are much more effective than others.
Cycling has and continues to grow as an important mode of transportation in our city and throughout the Pacific Northwest. As Seattle traffic increases and public transportation options expand, the opportunity to utilize bike lanes has made it easier than ever to make cycling a part of a healthy lifestyle.
Remodeling and renovating your home can make your home more enjoyable, and— if done right—increase your home’s value along the way. But not all renovations are created equal. While some projects can add significant value to your home, others can actually reduce the sale price. So, what’s a homeowner to do?
There are many opportunities for professional and community development in the credit union world. Here at Seattle Credit Union, our leadership regularly participates in these opportunities, so that we remain engaged with and committed to the communities we serve.
Sometimes a dog just needs to get outside and run with its own kind. When your dog is sitting by the door and begging for a game of fetch, visit one of these seven highly-rated dog parks in Seattle for some fun and exercise.
Alison belonged to a big bank before switching to Seattle Credit Union ten years ago. She was looking for a financial institution that more closely aligned with her personal values, and a friend recommended she look into a credit union. Now, she has a savings and checking account, as well as a credit card.
More than just a safe word for online security, two-factor authentication, or 2FA, adds another level of protection to your online security. Technically just an added step, what makes 2FA better and different than a ‘two-step’ verification process is the combination of factors—something you know, something you are, and / or something you have.
This Saturday, May 12, we'll take part in CISC's U.S. Citizenship Application Workshop. Our Business Development team will educate attendees about financial stability and freedom, as well as our unique Citizenship Loan offerings. This workshop is for residents hoping to begin the journey to achieving U.S. Citizenship, and Seattle Credit Union is proud to support them on their journey.
Who knew that being a member of Seattle Credit Union could help make Mother’s Day more memorable than ever? Thanks to Love My Credit Union® Rewards, you can get a $100 cash reward for every new line you activate with Sprint — and your mom can enjoy a new phone with Sprint’s best Unlimited Data Plan, now with Hulu!
We’re excited to join in the celebration of giving with The Seattle Foundation’s eighth annual GIVEBIG event on May 9, 2018. This one-day online giving campaign unites our community to help raise funds for over 1600 local nonprofits across our region. In addition to showing your love for your favorite nonprofits, all Seattle Credit Union Visa® cardholders will earn 5x rewards points for all charitable giving until July 31, 2018.
On Tuesday May 1, 2018, we will be updating the security protocol for Online Banking. At this time all members will need to upgrade to the most recent version of their web browser or mobile phone operating system to avoid issues logging into Online Banking.
Today kicks off the first of a three-part financial education workshop series at YouthCare, led by our very own Jasmine Jones.
For Rob and his family, the switch to Seattle Credit Union is more than a new car and $1,000 in savings. They are able to confidently take their girls on roadtrips, adventures, and casual drives around the Pacific Northwest. They are able to invest more in their family’s growth and future – their hopes and dreams.
David and Viki are living the life they dreamed about, happy in their new home surrounded by trails and appreciating every sunset as it comes. All of us at Seattle Credit Union are glad to be a part of their path to prosperity.
Jasmine Jones, Business Development Specialist, will lead a free workshop called "You Got This" at the Young Women Empowered (Y-WE) Career Day on April 21.
Seattle Credit Union recently welcomed Wellspring Family Services to our family of community partners.
We are honored to be featured as one of AdvisoryHQ's, '7 Best Credit Unions & Banks in Seattle'. Below is the article and summary that highlights what makes each financial institution a “need to know about” banking destination.
Whether you are getting ready to buy your first car or your next one, we've put together an Auto-Buying Guide to help remove the mystery and intimidation from the car-buying process.
Did you know people that do their taxes on paper are 20 times more likely to make an error than e-filers? Prepare your tax return using IRS e-file or another e-file system to help avoid these common mistakes and a delay on your next tax refund.
Kanita is a consumer lending specialist and for the last ten years, she’s worked hard every day to improve the lives of our members.
Under Richard Romero's leadership, Seattle Credit Union has grown astronomically.
Online Banking and the mobile apps have been updated to reflect our simplified name and to incorporate some accessibility and user experience improvements. When logging in for the first time, you may be asked to reauthenticate your device using MFA.
SMCU is growing and improving! We're excited to announce that to better serve our members’ needs, we’ve moved our Southcenter branch to a new, updated environment just a few blocks south of the old location.
Touch ID is a security feature using fingerprint recognition IPhones. It helps keep your information even more secure and because no two fingerprints are alike it's one of the best passcodes you can have.
La Raza, 1/11/2017
Seattle Credit Union (SMCU) anunció que abrirá una nueva sucursal el 30 de enero en Beacon Hill en la nueva Plaza Roberto Maestas, desarrollada por El Centro de la Raza.
Along with vowing to break the seal on that gym membership and contribute the max to your retirement account, consider a resolution to make 2016 the year you lock down your identity. Nearly 13 million Americans were defrauded of $16 billion through identity theft in 2014. How can you help to prevent this from happening to you? Here are seven ways to keep your identity safer.
Seattle Magazine, 12/01/2016
While there’s been lots of bluster this year about building walls and turning immigrants away at our borders, SMCU CEO Richard Romero’s initiative honors one of our country’s core values and lends a helping hand to those seeking a better life.
Our very own Tonita Webb, COO, and Barney Herrera, SVP of Strategic Partnerships, are currently at Credit Union National Association’s (CUNA) Governmental Affairs Conference (GAC) in Washington, D.C. representing Seattle Credit Union and networking with other industry leaders.
It’s time again to exercise your rights as a member by electing volunteers to represent you on Seattle Credit Union's Board of Directors. All members in good standing are entitled to a vote in the 85th Annual Volunteer Elections. Voting takes place between Monday, February 12, 2018 and Friday, March 9, 2018.
Seattle Credit Union is guided by altruistic principles like inclusion, cooperation, and community and values like trustworthiness, dynamism, and engagement. We strive to act with integrity in everything we do and put the needs and goals of our members first. That’s why we tailor our products and services to individuals and families – not the other way around.
For a lot of people, becoming financially fit is tough – and even more difficult to maintain. At some point in life, everyone faces financial challenges. Helping you become savvy financial consumers is an important part of why Seattle Credit Union exists.
We're only a few days away from Black Friday and Cyber Monday. Many people hope to score big deals these days - and so do criminals.
For all the good found on the internet, it’s also easier than ever for criminals to steal your identity. Some of the information they’re looking for are social security numbers, birthdates, passwords, Medicare numbers, passport numbers, and bank account numbers.
As one of Seattle Credit Union’s newest employees, Barney Herrera is passionate about community connections and building relationships.
SMCU announced it earned Low Income Designation (LID) from the National Credit Union Administration (NCUA), allowing low-income members easier access to financial services and the tools they need to prosper.
Today, Seattle Metropolitan Credit Union announced that it has simplified its name to “Seattle Credit Union,” and revealed a new branch design and brand logo.
Seattle Credit Union walks the talk when the talk is about community. Here’s a sampling of what we’ve been up to.
Sometimes too many syllables get in the way. That was the case at Seattle Metropolitan Credit Union, which is changing its name and logo as part of a wider, three-year transformation under CEO Richard Romero.
Seattle Metropolitan Credit Union is no more, replaced by Seattle Credit Union.
Puget Sound Business Journal, 9/18/2017
Seattle Metropolitan Credit Union changed its name to Seattle Credit Union on Monday.
Keeping an eye on your credit report is a smart thing to do at any time to make sure there’s nothing there that shouldn’t be, because credit reporting companies directly influence your ability to get credit. You can request a free credit report once per year from each of the three major monitoring services, which essentially means you can check your credit report every four months. Find links or get more information here.
When the sun makes a welcome and overdue appearance in the Pacific Northwest, the open road beckons to even the most weather-weary driver. Whether you are seeking a roadside adventure, need a weekend getaway or just looking to enjoy the ride, here are a few ideas for exploring our scenic byways.
We’re thrilled to be part of the Burien community, and we invite you to come see us at our newest branch. You’ll find us in Burien Town Plaza at 14901 – 4th Avenue SW, Ste. 107, Burien, WA 98166.
If you receive a message to visit or conduct transactions at seattlemetcu.com, do not go to this site. It is not a site used by Seattle Credit Union and is intended to deceive visitors.
CU Journal, 2/22/2017
Seattle Credit Union recently became the first CU in Seattle and the second CU in the state of Washington to be accepted into the Juntos Avanzamos program, which recognizes efforts to serve the Latino community.
The Credit Union Times, 10/21/2016
Our CEO, Richard Romero, spoke with the Credit Union Times about his life, the rapidly changing Seattle Market, and serving the underserved.
Romero is Crosscut’s Courage in Business Award winner this year, for his efforts that have led not just to business success but also to him helping other immigrants interested in U.S. citizenship.
La Raza, 9/28/2016
Seattle Credit Union supports initiative of a member of the Hispanic community.
After four decades at 801 Third Ave, SMCU moved across from Seattle's Safeco Field.
A veteran public servant who has spent decades in government and philanthropy. A banker who has worked to give immigrants a foot in the door to citizenship. A nonprofit leader who works to better the lot of Native Americans. And a thousands-strong community group that came together to save a beloved public radio station. These are the winners of the 2016 Crosscut Courage Awards.
Measuring and comparing courage is a difficult task. We’re reminded of this each time you — our readers — send us nominations for the Crosscut Courage Awards. Which is why we in turn hand the job of selecting the honorees over to a council of civic, business, and cultural leaders in our community.
La Raza, 8/16/2016
El Seattle Credit Union (SMCU) y la Oficina de Asuntos para Inmigrantes y Refugiados de la Ciudad de Seattle (OIRA, por sus siglas en inglés) se unieron para crear un programa de préstamos a bajos intereses para ser usado en la aplicación del proceso de ciudadanía.
The Seattle Times, 08/10/2016
The loans aim to assist a population that often has no access to credit or banks spread out the financial impact of paying nearly $700 per person to apply for citizenship.
In partnership with the City of Seattle Office of Immigrant and Refugee Affairs (OIRA), the Seattle Credit Union (SMCU) launched two citizenship loan products in June 2016 to help low-income immigrants and refugees pay for citizenship applications and increase access to banking services.
Anthem talked to SMCU President & CEO Richard Romero on the heels of their recent partnership with the City of Seattle on providing loans to help finance the first step on the path to U.S. citizenship.