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Our Member Loyalty Program offers discounts on your loan rates.
Save up to 1% off your next loan rate.

If you currently have an account with SMACU that has been opened for at least six months, you may be eligible for a  .50% discount on your loan rate.

Have an active checking account with a debit card opened for at least a year?  You could qualify for an additional .50% discount on your loan rate.

Offer valid on closed-end loans only. Home equity, share or CD secured, Kwik Cash and MasterCard credit cards are not eligible for a rate discount. Risk-based rates apply, the discount will be taken off your qualifying rate.

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*APR = Annual Percentage Rate. Subject to credit approval. Rate and term available for 2019 and newer vehicles only. 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.