Checking and Savings

Checking Accounts

What do you need from your checking account? If you're like most people, you really just need:

  • A place to deposit your paycheck,
  • A way to get to your money when you need it,
  • To keep as much of your own money as possible and not lose it to fees or silly charges, and maybe even to get a few bucks a month in interest,
  • An easy way to keep track of your balance and to see your account transactions, and
  • You need someone to talk to when you have questions.

It's really not that complicated, and you shouldn't have to pay your bank a lot of money to get what you need.

Seattle Metropolitan Credit Union has the checking account you need with all the features you want, and you won't pay gigantic monthly maintenance fees or have to jump through a bunch of hoops to use your money. Click here to compare checking accounts.

Savings Accounts

If you’re just looking for a place to put aside some money and let it grow, we have that too. Choose a basic savings account to set money aside periodically and let it grow. Open as many as you like, easily, and give each one its own nickname for each of your unique goals. If you are looking for a better return and don’t need to access your funds very often, check out our Worry-Free Money Market or certificate accounts.

Refer a friend

Member Referral Program

As an existing member of SMCU, you'll receive a $25 Thank You Bonus* for each new member you refer. We’ll also pay a $25 Welcome Bonus* to the person you referred. Just be sure they use the promo code "REFER" when applying online.

Member Referral Program Official Rules Here.

Not yet a member?

Join Now

Access your SMCU accounts from anywhere at any time.

       Accessing Your Accounts is Easy

  • Seven convenient branches in the greater Seattle area
  • Intuitive, easy-to-use Online Banking with free Bill Pay
  • Mobile App with remote deposit
  • Text Banking
  • Nearly 30,000 surcharge-free ATMs nationwide as part of the CO-OP ATM Network
  • Surcharge-free VISA® debit cards
  • 5,000 CO-OP Shared Branching locations in the U.S. where you can access your account as if you were standing in an SMCU lobby
  • 24-hour Automated Telephone Banking to make transfers, check balances, and request withdrawals via check

    Learn more

SMCU has low fees and better rates.

Low Fees

Because we’re a not-for-profit cooperative, charging lots of high fees is just not how we do business. When you compare Seattle Metropolitan’s fees to your current bank, you’ll likely find that the fees we do charge are less than theirs, and we have fewer of them.

SMCU's Branch Reps are ready to help.

Our Branch Representatives are Ready to Help

Stop by any of our seven convenient Seattle-area branches to talk with our trained staff of financial experts. They can answer your questions and help you find the right products to meet your needs.


When you can't get to a branch, help is just a phone call away. Our Contact Center is open extended hours and staffed with customer service experts. They can help you make transfers and review your account with you, or they can help you find the checking account that's right for you.

It's Easy to Switch.

SMCU Branch Representatives are specially trained to help you move your checking and savings accounts as quickly as possible without disrupting your life and finances. They will give you all the information you need to transfer any automatic deposits or payments you have set up at your other bank, so you can start taking advantage of the great perks you'll get with your SMCU account. Stop by a branch or call us today at (206) 398-5500 or toll-free at (800) 334-2489 to get started. Or, if you'd prefer, you can open an account online.

Open Now

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**

 

7.99%APR