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San Mateo Credit Union


Overview / Commentary
www.smcu.org
650-363-1777
575 Middlefield Road
Redwood City, CA 94063

San Mateo Credit Union is headquartered in Redwood City and is the 38th largest credit union in the state of California. It is also the 261st largest credit union in the nation. It was established in 1952 and as of December of 2021, it had grown to 189 employees and 106,659 members at 11 locations. San Mateo Credit Union's savings rates are 92% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in San Mateo Credit Union is open to those who live, work or attend school in San Mateo County, the City of Palo Alto or select areas of San Francisco. Membership is open to employees of companies that belongs to the Golden Gate Better Business Bureau or one of the 15 Chambers of Commerce within San Mateo County.
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Health
A

Data as of Q4 2021

Learn why bank health matters

Health Grade Components

Overall
NCUA #62736
Year Chartered1952
Employees189
Primary Regulator
Profit Margin
Return on Assets - YTD0.87%
Return on Equity - YTD8.68%
Annual Interest Income$37.5MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$1.65B$1.44B
LoansQ4 2021vs Q4 2020$1.06B$1.01B
DepositsQ4 2021vs Q4 2020$1.45B$1.28B
Equity CapitalQ4 2021vs Q4 2020$163.5MM$149.3MM
Loan Loss AllowanceQ4 2021vs Q4 2020$4.4MM$6.5MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$9.4MM$12.5MM
Real Estate OwnedQ4 2021vs Q4 2020$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not San Mateo Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

San Mateo Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*-$5kDigital Savings
OTHER TIERS: 0.25% → $20k+ | 0.50% → $10k - $20k | 0.75% → $5k - $10k
0.25%$100-Health Savings Account
0.10%$100-IRA Savings
0.05%--Regular Savings
0.05%--Business Savings
0.05%$5-Youth Savers
0.05%$25-Holiday Savings

San Mateo Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$100k*-Money Market Plus
OTHER TIERS: 0.10% → Up to $50k | 0.15% → $50k - $100k
0.25%*$100k*-Business Money Market Plus
OTHER TIERS: 0.10% → Up to $50k | 0.15% → $50k - $100k

San Mateo Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*-$50kPremium Checking - Qualifying
OTHER TIERS: 0.05% → $50k+

San Mateo Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.90%$1k-60 Month CD w/ Active Checking
0.80%$1k-48 Month CD w/ Active Checking
0.70%$1k-36 Month CD w/ Active Checking
0.65%$1k-60 Month CD
0.60%$1k-24 Month CD w/ Active Checking
0.55%$1k-48 Month CD
0.55%$1k-18 Month CD w/ Active Checking
0.50%$1k-12 Month CD w/ Active Checking
0.50%$250-12 Month Youth CD w/ Active Checking
0.45%$1k-36 Month CD
0.45%$100-15 Month Registry CD w/ Active Checking
0.35%$1k-24 Month CD
0.35%$1k-6 Month CD w/ Active Checking
0.30%$1k-18 Month CD
0.30%$1k-3 Month CD w/ Active Checking
0.25%$1k-12 Month CD
0.25%$250-12 Month Youth CD
0.20%$100-15 Month Registry CD
0.10%$1k-6 Month CD
0.05%$1k-3 Month CD

San Mateo Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.90%$500-60 Month CESA w/ Active Checking
0.90%$1k-60 Month IRA w/ Active Checking
0.80%$500-48 Month CESA w/ Active Checking
0.80%$1k-48 Month IRA w/ Active Checking
0.70%$500-36 Month CESA w/ Active Checking
0.70%$1k-36 Month IRA w/ Active Checking
0.65%$1k-60 Month IRA
0.65%$500-60 Month CESA
0.60%$500$100k24 Month Add-On CESA w/ Active Checking
0.60%$2k$100k24 Month Add-On IRA w/ Active Checking
0.60%$500-24 Month CESA w/ Active Checking
0.60%$1k-24 Month IRA w/ Active Checking
0.55%$1k-48 Month IRA
0.55%$500-48 Month CESA
0.55%$500-18 Month CESA w/ Active Checking
0.55%$1k-18 Month IRA w/ Active Checking
0.50%$500-12 Month CESA w/ Active Checking
0.50%$1k-12 Month IRA w/ Active Checking
0.45%$1k-36 Month IRA
0.45%$500-36 Month CESA
0.35%$1k-24 Month IRA
0.35%$2k$100k24 Month Add-On IRA
0.35%$500$100k24 Month Add-On CESA
0.35%$500-24 Month CESA
0.30%$1k-18 Month IRA
0.30%$500-18 Month CESA
0.25%$1k-12 Month IRA
0.25%$500-12 Month CESA
Locations

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