Home Equity Loan - rates as low as 2.74% APR
Auto Loans start as low as 1.99% APR*
Use our app to remote deposit your checks.
SMACU is accepting APPLE pay, Google Pay, Samsung Pay, Garmin Pay, and FitBit Pay on qualifying devices.
Referral Program
Saver's SweepSaver's Sweepstakesstakes
Swipe Your Debit Card and earn 5.00% APY*
Member Loyalty Loan Program
previous arrow
next arrow
Focused Tax Solutions
Professional Tax Services Available
SMACU has teamed up with Focused Tax Solutions, a tax preparation service that assists St. Mary’s & Affiliates Credit Union members with tax preparation and will file your taxes at discounted rates. Rebecca Hammer, our Focused Tax Solutions representative also offers free workshops in regards to topics such as Retirement Planning, Healthcare, and Income Tax Reduction.

Please call Rebecca Hammer at (262)510-0319 or email her at for more information about these services.

7/7 Member Update: COVID-19

Need Cash? Use Your Home’s Equity! SMACU is offering rates as low as 2.49% APR*.
Apply Here or Call 068-258-5062

How To Access Your Money

Most Transactions Can Be Performed at Home
SMACU’s online and mobile banking allow you to perform many account transactions without visiting a branch, including:

  • Transfer Money Between Accounts
  • Make Loan and Credit Card Payments
  • Easily Deposit Checks from your Mobile Device
  • Pay Your Bills with Bill Pay
  • Manage All of Your Accounts

If you do not have online or mobile banking, please call us as 608-258-5062 to get set up.

SMACU is Here to Serve You
We also understand that there may be instances where our member/owners find themselves facing financial difficulties.  SMACU is here to help and we encourage that you reach out to discuss how we might be of assistance. You can apply for loans on our website or using the mobile app and we have DocuSign to email you the final documents so you do not have to come into the branch.

CO-OP Shared Branching
SMACU participates in the CO-OP Shared Branching Network. There are six locations in the Madison area, over 40 in Wisconsin, and over 5,600 locations nationwide! Download the app. You can use their drive-up locations to access your money, make deposits or take care of your loan payments.

Alliance One Surcharge-Free ATM Network
SMACU is part of the Alliance One network, that offers surcharge-free ATMs. Download the app to locate over 5,000 surcharge-free ATMs nationwide.

Avoid Coronavirus Scams
The Federal Trade Commission has tips on how to avoid COVID-19 scams. In addition, the Wisconsin Department of Financial Institutions (DFI) reminds investors to be wary of con artists seeking to capitalize on the fear and uncertainty surrounding COVID-19. Read their press release to learn more.

We look forward to re-opening our lobby as soon as possible. 

Put Yourself in the Driver’s Seat with Our New Exclusive Auto Buying Center! Now offering 90 days no payment!

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, 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 Travels!

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!

Facebook Twitter InstagramLinkedIn YouTube

LOW Auto Loan Rates!

Match your dream car with a dream loan! Apply for an auto loan today and receive rates as low as 1.99%APR* for 2019-2020 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?

You can contact us for Campers, Boats, RV’s and the list goes on! Apply today for a Recreational Vehicle Loan and receive rates as low as 3.99%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 2.49%APR*!

Standard loan policies and procedures apply. Rates may vary based on your creditworthiness and repayment terms. Home Equity loans based terms and 70% loan-to-value, with closing costs as low as $335 in Dane County. See current rate sheet for complete details. SMACU Membership required. APR*= Annual Percentage Rate.

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

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 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 overdraft 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 our Loan Officer at 608-229-7046 today!