Skip Navigation
Bank Online

A card that lets you make purchases on credit.

SMACU credit cards are a smart alternative to cards offered by big banks. Save more of your money with the elimination of common fees that many other banks charge with our Mastercard credit cards. Along with no annual fee, we do not charge a balance transfer fee.

You can use it anywhere, for anything, whether that’s on big expenses like vacations or just to build your credit score with day-to-day purchases. As a bonus, all of our cards are EMV compliant and come with fraud monitoring for extra security.

  • 9.90% Fixed APR*
  • No balance transfer fees
  • No annual fee
  • Credit limit up to $20,000
  • No Universal Default Clause*
  • 25-day grace period on all new purchases
  • Accepted worldwide
  • 24-hour lost or stolen card reporting service. Dial 1-800-991-4964
  • 24-hour member service. Dial 1-800-808-7230
  • For your Credit Card Agreement, please call us at 1-800-387-7171

SecurLOCK – Protect your cards directly from your phone

  • Turn your cards on and off
  • Control where your cards can be used
  • Receive instant alerts

To learn more or to download the FREE app, search for SecurLOCK Equip in your app store.

Make online payments at

To report a lost or stolen Credit Card call 1-800-991-4964.


Solicitation Disclosure

Annual Percentage Rate (APR) for PurchasesMastercard®: 9.9%
Cash Advance APR**Mastercard®: 9.9% and there is no cash advance fee
Grace Period25 days
Method of Computing the Balance for PurchasesAverage Daily Balance (Including new purchases)
Annual FeeNone
Minimum Finance Charge$1.00
Transaction Fee for PurchasesNone
Balance Transfer FeeNone
Late Payment Fee$20.00
Over-the-Credit Limit FeeNone


*APR=Annual Percentage Rate. The Universal Default Clause states that your APR may increase if any bills on your credit report are paid late, even if you pay that credit card on time. Subject to credit approval and/or credit limit available.

*APR = Annual Percentage Rate. Subject to credit approval. Some restrictions apply. APY = Annual Percentage Yield. Membership eligibility is required. Federally insured by the NCUA. St. Mary’s & Affiliates Credit Union is an Equal Housing Opportunity Lender. St. Mary’s & Affiliates Credit Union is a full-service financial institution serving Adams, Dane, Iowa, Juneau, Rock, and Sauk Counties.