2.99% APR MasterCard Credit Card

December is almost here, so time is almost up and we want you to have a chance at this low rate credit card balance transfer. Transfer your credit card balance to SMACU’s MasterCard credit card and receive a low introductory rate of 2.99%APR for 6 months! Maximum balance transfer of $5000.00. In order to do a balance transfer, all we need is the type of card you currently have, (MasterCard, Visa, Discover, etc), 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 online 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.

Apply for an Auto Loan

If your looking to purchase a new vehicle, why not finance through SMACU? We offer rates as low as 1.99% APR on 2015-2016 models and as low as 3.25% APR on 2013-2014 models. Our online application makes it easy to apply! Or give Willie a call at 608-229-7046 for more details.

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. click here to apply 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!

Need a Student Loan?

SMACU supports and refers our members to Sallie Mae for student loans. Click here to learn more about Sallie Mae or to apply for the loan.

Scholarship Opportunities

St. Mary’s & Affiliates Credit Union offers two scholarship opportunities every year. Two $750 scholarships are awarded each semester, one to high school seniors and one to continuing education students.

The next applications will be due November 27th, 2015.

Must be a member of St. Mary’s & Affiliates Credit Union for 3 months (August 2015) prior to application deadline to qualify. Click here for complete details.

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