CASH BACK Auto Loans!!

Cruise into spring with a new ride! Check out our vehicle rates on all models 2008-2017. Receive cash back on any model vehicle based off the recorded high temperature on the day of closing your auto loan with SMACU. If you have any questions, call the credit union @ 608-258-5062. Or APPLY NOW!


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.

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9.00% Personal Loan

Jump into the new year feeling relieved! Personal Loans are convenient and affordable, especially after the holidays. If your interested in consolidating debt or making smaller payments, apply here!

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.

Kwik Cash and Personal Loans!

Cutting it close with holiday spending? We have OPTIONS for you!

Kwik Cash Line of Credit Perks:                           Personal Loan Perks:

~Advance at your own discretion                      ~ Finance a Set Amount

~ Low Monthly Payments                              ~ No Penalty for Early Payoff

~Open-Ended Line of Credit                                   ~ Low Interest Rate

~ Can be used as Overdraft Protection

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!