Skip Your Loan Payment. Contact the CU today! Auto Resource Center Auto Loans Rates as low as 2.99% APR. Apply today! MasterCard Credit Card. 9.9% APR. No balance transfer fees. No annual fee. Apply today!

Tis’ the Season! SMACU’s Upcoming Holiday Hours…

Christmas: December 25th – Closed

New Years: January 1st – Closed

Put Yourself in the Driver’s Seat with Our New Exclusive Auto Buying Center!

The power of car buying is at your fingertips with our new cutting-edge technology:

• Free CARFAX reports
• Find & Price Local Inventory
• Right Fit Auto Build
• Used Car Values
• Multi-vehicle Comparison Tool
• “My Cars” Save Feature

The Right Car, The Right Loan, The Right Fit!
Experience it now…

Get Started Here!

Attention Members: If you are planning on traveling for the holidays, please call the Credit Union before your departure at (608)258-5062 to notify one of our staff employees to place a travel note on your account. This will help prevent any restrictions from occurring on your debit and/or credit cards. Thank you for your cooperation and Happy Holidays!

Please follow us on our social media pages to keep up with all of the latest SMACU’s news, promotion deals, community events and more!

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Our Gift to You This December Is…..

SKIP A LOAN PAYMENT! To see if you qualify, contact our loan department. *This offer is not valid for Kwik Cash, Share Secured, CD Secured, MasterCard Credit Cards or Home Equity Loans. Members account must be in good standing. Loan must be open for at least 6 months. Standard loan policies and procedures apply.*

Holiday Mitten Donations

Help us collect mittens and gloves this snowy season for Lincoln Elementary School students! Donate a pair or make a monetary donation ($5 minimum please) to receive a free prize and be entered in a drawing to win a $50 Visa Gift Card from St. Mary’s & Affiliates Credit Union! Donations will be accepted starting December 1st through January 1st, 2018. At the time of donation, you may write your name on one of our Mitten Cards and hang it on our Christmas tree!

SMACU has Holiday Gift Cards!

Looking for the perfect gift for a friend, family member or significant other? Stop by the Credit Union to purchase one of our Holiday VISA gift cards! Our cards feature fun, seasonal designs and come with a FREE holiday gift card holder.

Financial Counseling!

Looking to get your finances in order, need advice on how to pay down debt faster, or wanting to create a healthy budget? Check out our NEW financial counseling page located on the Shares Page right under the Other Services section labeled “Financial Counseling”. Download a SMACU Budget Worksheet or schedule an appointment with a Certified Credit Union Financial Counselor right at the Credit Union.

LOW Auto Loan Rates!

Match your dream car with a dream loan! Apply for an auto loan today and receive rates as low as 2.99%APR* for 2016-2017 models, including NO PAYMENTS FOR 90 DAYS! Stop by the Credit Union today or apply online! APR*=Annual Percentage Rate

Looking For A Recreational Vehicle For This Upcoming Season?

Winter is coming up and a snowmobile could make the season more enjoyable! Apply today for a Recreational Vehicle Loan and receive rates as low as 5.99%APR*. Apply online or stop by the credit union for a quick and easy application. APR*=Annual Percentage Rate.

Ready, Set, Redecorate!

Looking to remodel your home or refinance your mortgage? Apply for a Home Equity Loan and get pre-approved for rates as low as 3.50%APR*!

Standard loan policies and procedures apply. Rates may vary based on your creditworthiness and repayment terms. Home Equity loans based on 10-year term and 70% loan-to-value, with closing costs as low as $183 in Dane County. See current rate sheet for complete details. SMACU Membership required. APR*= Annual Percentage Rate.

Equifax Credit Bureau Cybersecurity Incident

Equifax Inc, a provider of consumer credit scores, said on Thursday that personal details of as many as 143 million U.S. consumers were accessed by hackers between mid-May and July, in what could be one of the largest data breaches in the United States. Criminals exploited a U.S. website application vulnerability to gain access to certain files that included names, Social Security numbers and driver’s license numbers. Equifax said in its statement that it was working with law enforcement agencies and has hired a cyber-security firm to investigate the breach. For more information go to

Introducing… SecurLOCK Equip-App

SecurLOCK is a mobile app that allows you to control how, when and where your debit and credit cards are used. This App is available to anyone who holds a debit or credit card with St. Mary’s & Affiliates Credit Union and has an iPhone or Android smartphone. This app allows you to: Control turning your debit/credit card ON or OFF, set transaction controls, set up alert preferences, displays recent transaction history, set spending limits, limit transactions to a specific location or region, allow or block international merchants, login security and MUCH, MUCH MORE! To download the App, go to the App Store on your iPhone or Google Play store on your Android device.

Did you know…..?

Did you know that you can update your address with us at any time on the Home-banking website? Just log into your online account, go to your Settings tab and scroll to the bottom where it displays the message, “Have you moved recently?” There you are able to update your address fast, quickly and at your convenience. We ask that you please provide a physical address and if you would like to add a P.O. Box, please provide the P.O. Box address in addition to the physical address. Thank you for cooperation.


FREE Rewards Program! How does it work? Earn Points on everyday purchases, using your SMACU Debit Card by processing your transactions as a credit! Shop local for greater rewards. How do I receive Rewards? Once you have stored up your buzzpoints, you can redeem points for gift cards or coupons to local businesses! There is no catch! This program truly supports our local businesses. Simply Register for your BUZZPOINTS today! For more information please contact the credit union. Full Color Logo Bee Stinger Right Logo

GAP Insurance and Total Restart

If you purchase GAP Insurance from SMACU, our NEW coverage also includes Total Restart. GAP can help cover the difference between what your insurance company says your vehicle is worth and what you actually owe on it. Total Restart is a wise coverage to add! Total Restart could provide a credit for up to $4,000.00 towards your next auto loan through us, to replace the vehicle that was damaged. Make sure you are covered! This coverage may be added to new and existing loans! For more information contact the Credit Union and speak with a Loan Officer! 608-258-5062

9.90% APR MasterCard Credit Card

You will see serious savings with our 9.90% APR* Fixed MasterCard Credit Card. Thinking of doing a balance transfer? All we need is the current statement, payoff amount and full credit card number. If you have any questions, contact Joyce or Willie at 608-258-5062, or fill out a credit card application and make sure to select “Other” and type “balance transfer” in the space provided.

In need of Overdraft Protection?

Return fees and debit card denials got you down? Why not sign up for Courtesy Pay on your checking account? Click the following link to learn more about Courtesy Pay another form of over draft protection Courtesy Pay Opt-In Form.

In the market for a vehicle?

Click here to get pre-approved through CUDL, and also shop all dealerships in the Credit Union Direct Lending program. Questions? Call Joyce, our Director of Lending at 608-258-6137 today!

Tell Us How We’re Doing

Click here to fill out a KUDOS Card today to rate overall, staff and transaction performances. Your opinion matters to us!