No PAYMENTS for 90 Days!

No, you didn’t read this wrong! Apply for an auto loan at SMACU and receive NO PAYMENTS for 90 days.

On any models 2012 or newer, take a breath of fresh air, with rates as low as 2.24% APR*.  Check out our current rate sheet and apply online! If you have any questions, call us @ 608-258-5062.

8.00% Personal Loan Special!

Don’t go to a payday lender! Personal Loans are convenient and affordable with a low rate of 8.00%APR*. If your interested in consolidating debt, getting extra money to help pay for school expenses or making smaller payments, apply here!

St. Mary’s & Affiliates Credit Union: Operation Backpack

Donate a new or gently used backpack and help us reach our goal of 50 backpacks to donate to our local Lincoln Elementary School! Don’t have a backpack to donate? That’s alright! We are also accepting monetary donations for the purchase of backpacks by our staff. Please drop off your backpack and/or monetary donations by the 31st and you will receive a free gift from the credit union for donating. We appreciate any and all donations and thank you for participating in our efforts to make it a great school year for the Lincoln Elementary school kids.

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.


A 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

Low Rate of 3.25% APR* on Home Equity Loans!

You have the IDEA! We have the resources to make your home, your own AND Closing costs are as low as $183! Apply Online Now! With further questions please contact the credit union and ask to speak with a loan officer.

APR*= Annual Percentage Rate. Rate based on 10 year term and 70% loan-to-value. Standard loan policies and procedures apply. Closing costs as low as $183.00 in Dane County. Other counties may vary. Appraisal cost not included. Membership eligibility required. See current rate sheet for complete details.

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 Over Draft 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!