2. San Mateo Credit Union

San Mateo Credit Union


Overview / Commentary
www.smcu.org
650-363-1777
350 Convention Way
Redwood City, CA 94063

San Mateo Credit Union is headquartered in Redwood City and is the 46th largest credit union in the state of California. It is also the 286th largest credit union in the nation. It was established in 1952 and as of June of 2019, it had grown to 187 employees and 93,804 members at 13 locations. San Mateo Credit Union's CD rates are 67% 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 Q2 2019

Learn why bank health matters

Health Grade Components

Overall
NCUA #62736
Year Chartered1952
Employees187
Primary Regulator
Profit Margin
Return on Assets - YTD1.29%
Return on Equity - YTD11.53%
Annual Interest Income$21.0MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$1.13B$1.07B
LoansQ2 2019vs Q2 2018$965.6MM$830.7MM
DepositsQ2 2019vs Q2 2018$994.4MM$947.3MM
Equity CapitalQ2 2019vs Q2 2018$126.7MM$111.8MM
Loan Loss AllowanceQ2 2019vs Q2 2018$5.2MM$4.6MM
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$2.0MM$1.6MM
Real Estate OwnedQ2 2019vs Q2 2018$97.00K$0
Rates
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* 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
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
0.70%*$250k*-Money Market Plus
OTHER TIERS: 0.40% → Up to $50k | 0.50% → $50k - $100k | 0.60% → $100k - $250k
0.70%*$250k*-Business Money Market Plus
OTHER TIERS: 0.40% → Up to $50k | 0.50% → $50k - $100k | 0.60% → $100k - $250k

San Mateo Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%*-$50kPremium Checking - Qualifying
OTHER TIERS: 0.05% → $50k+

San Mateo Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.65%$1k-60 Month CD
2.55%$1k-48 Month CD
2.45%$1k-36 Month CD
2.35%$1k-24 Month CD
1.60%$1k-18 Month CD
1.50%$1k-12 Month CD
1.50%$250-12 Month Youth CD
0.90%$1k-11 Month CD
0.70%$500$100k9 Month Add-On CD
0.60%$1k-6 Month CD
0.30%$1k-3 Month CD
0.20%$100-15 Month Registry CD

San Mateo Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.65%$1k-60 Month IRA
2.65%$500-60 Month CESA
2.55%$1k-48 Month IRA
2.55%$500-48 Month CESA
2.45%$1k-36 Month IRA
2.45%$500-36 Month CESA
2.35%$1k-24 Month IRA
2.35%$2k$100k24 Month Add-On IRA
2.35%$500$100k24 Month Add-On CESA
2.35%$500-24 Month CESA
1.60%$1k-18 Month IRA
1.60%$500-18 Month CESA
1.50%$1k-12 Month IRA
1.50%$500-12 Month CESA
Locations

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