Savings & Certificates

Join Now

EARN 1.51% APY1 ON A 33-MONTH CD WITH A ONE-TIME BUMP

EARN 1.51% APY1 ON A 33-MONTH CD WITH A ONE-TIME BUMP

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 06/27/2017. 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 smcu.com/rates.

Membership Savings

Membership Savings

Your Membership Account establishes your Membership with Seattle Metropolitan Credit Union. With a $5 opening deposit and a $5 minimum balance, you enjoy the full rights and privileges of membership, including voting on board elections and attending our annual meeting.

Name Your Savings

Name Your Savings

Save for the vacation of a lifetime, holiday gifts, or new living room furniture. The choice is yours and so is the name of the account. You may open as many savings accounts as you like, all under your member number. Deposits can be made by automatic transfer from your checking account, direct deposit of your paycheck, or payroll allocation.

Worry-Free Money Market

Worry-Free Money Market

SMCU's Worry Free Money Market account is exactly that: worry free. As your balance changes, your rate will adjust automatically to the rate assigned to that balance.

  • Open with a $1,000 minimum
  • Write up to 6 checks per month
  • No monthly service fee if balance stays above required minimum  

Certificates

Certificates

Enjoy greater flexibility and more peace of mind with a straightforward, guaranteed deposit account from Seattle Metropolitan Credit Union. Pick your own term and start earning great rates with just a $1,000 minimum deposit to open.

It's easy to switch.

SMCU Branch Representatives are specially trained to help you move your 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 you have set up at your other bank, so you can start taking advantage of the great perks you'll get with your SMCU savings 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.

Join Now

DISCLOSURES

1A low balance fee will be assessed if the ending daily balance falls below the minimum account balance requirement on any day during the month. Rates can change with notice. Rates on savings, money markets, and checking accounts may change after account opening. Account fees may reduce earning on the account. 


Account Disclosures

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