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International Credit Union Day- Thursday, October 20th!!

Members matter most to SMACU! So we are celebrating Y-O-U! Join us every Friday in Madison and Janesville and every Wednesday in Baraboo for some treats and special gifts. Don’t forget your chance to see us at SSM Health in Madison, in the Atrium on Thursday, October 20th from 7:30am-3:30pm for Coffee Cake in the morning and Cake in the afternoon.

Scholarship Opportunities

If you are a High School Senior or already a student continuing your education, you are eligible to apply for a $750.00 scholarship for the Spring 2017 Semester! Scholarships are due by Friday, November 25th, 2016. Click here for the Application and Details!

Looking to remodel your home or refinance your mortgage?

St. Mary’s Credit Union has a low rate of 3.00%APR*on mortgage loans!
Closing costs are as low as $183!
Contact William Martinez at 608-229-7046 or
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.

Auto Loans

Check out our incredible car loan special! Rates as low as 1.17%APR*!

Stop into the credit union or apply online to receive one of these great offers! Further questions? Please call or email William Martinez at 608-229-7046,

Standard loan procedures apply. APR*=Annual Percentage Rate.

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 Willie at 608-229-7046;

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.

Kwik Cash Line of Credit

SMACU is happy to help your holiday spending be smooth sailing. Apply for a Kwik Cash line of credit to help with the holidays this year! Enjoy being able to advance at your own discretion and have low monthly payments. The Kwik cash can also be used as an overdraft protection.

PIN Required on Debit Cards Out of State

Due to the increased amount of fraud we have been experiencing on our DEBIT CARDS, all OUT OF STATE transactions will REQUIRE the use of your PIN.

We realize this is an inconvenience for our members, however we feel we need to take a proactive approach to protect both our members and the credit union from fraud losses.

In view of this, the PIN requirement will be in effect until we notice fraudulent charges have subsided.

If you have any questions, please contact us at (608)-258-5062, or email

**Please remember there are ATM’s available. This does not apply to the MasterCard Credit Card

Instant Issue Debit Cards

We are offering an INSTANT ISSUE option when you are in need of a replacement debit card.  Here’s how it works: As soon as you realize you need a replacement card, stop by the credit union and we will issue you a new card for only $5.00! It takes less than 10 minutes AND you can choose your own design!

Home Equity Loan Special

Are you in the market to refinance your current second mortgage or home equity? Or are you looking to be preapproved for a home equity loan? Look no further, St. Mary’s & Affiliates Credit Union has the rate for you. Our current home equity rate is as low as 3.00% APR.  Apply online or call 608-229-7046 for complete details.

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!