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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 40th largest credit union in the state of California. It is also the 269th largest credit union in the nation. It was established in 1952 and as of September of 2020, it had grown to 199 employees and 100,415 members at 14 locations. San Mateo Credit Union's savings rates are 3X 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 Q3 2020

Learn why bank health matters

Health Grade Components

Overall
NCUA #62736
Year Chartered1952
Employees199
Primary Regulator
Profit Margin
Return on Assets - YTD0.93%
Return on Equity - YTD8.71%
Annual Interest Income$32.6MM
Assets and Liabilities
AssetsQ3 2020vs Q3 2019$1.38B$1.15B
LoansQ3 2020vs Q3 2019$1.01B$995.4MM
DepositsQ3 2020vs Q3 2019$1.23B$1.01B
Equity CapitalQ3 2020vs Q3 2019$144.7MM$130.9MM
Loan Loss AllowanceQ3 2020vs Q3 2019$7.2MM$5.4MM
Unbacked Noncurrent LoansQ3 2020vs Q3 2019$3.5MM$2.6MM
Real Estate OwnedQ3 2020vs Q3 2019$0$97.00K
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
1.50%*-$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
0.50%*$250k*-Money Market Plus
OTHER TIERS: 0.20% → Up to $50k | 0.30% → $50k - $100k | 0.40% → $100k - $250k
0.50%*$250k*-Business Money Market Plus
OTHER TIERS: 0.20% → Up to $50k | 0.30% → $50k - $100k | 0.40% → $100k - $250k

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
1.00%$1k-60 Month CD w/ Active Checking
0.90%$1k-48 Month CD w/ Active Checking
0.80%$1k-36 Month CD w/ Active Checking
0.75%$1k-60 Month CD
0.70%$1k-24 Month CD w/ Active Checking
0.65%$1k-48 Month CD
0.60%$1k-18 Month CD w/ Active Checking
0.55%$1k-36 Month CD
0.55%$1k-12 Month CD w/ Active Checking
0.55%$250-12 Month Youth CD w/ Active Checking
0.45%$1k-24 Month CD
0.45%$100-15 Month Registry CD w/ Active Checking
0.35%$1k-18 Month CD
0.35%$1k-6 Month CD w/ Active Checking
0.30%$1k-12 Month CD
0.30%$250-12 Month Youth CD
0.30%$1k-3 Month CD w/ Active Checking
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
1.00%$500-60 Month CESA w/ Active Checking
1.00%$1k-60 Month IRA w/ Active Checking
0.90%$500-48 Month CESA w/ Active Checking
0.90%$1k-48 Month IRA w/ Active Checking
0.80%$500-36 Month CESA w/ Active Checking
0.80%$1k-36 Month IRA w/ Active Checking
0.75%$1k-60 Month IRA
0.75%$500-60 Month CESA
0.70%$500$100k24 Month Add-On CESA w/ Active Checking
0.70%$2k$100k24 Month Add-On IRA w/ Active Checking
0.70%$500-24 Month CESA w/ Active Checking
0.70%$1k-24 Month IRA w/ Active Checking
0.65%$1k-48 Month IRA
0.65%$500-48 Month CESA
0.60%$500-18 Month CESA w/ Active Checking
0.60%$1k-18 Month IRA w/ Active Checking
0.55%$1k-36 Month IRA
0.55%$500-36 Month CESA
0.55%$500-12 Month CESA w/ Active Checking
0.55%$1k-12 Month IRA w/ Active Checking
0.45%$1k-24 Month IRA
0.45%$2k$100k24 Month Add-On IRA
0.45%$500$100k24 Month Add-On CESA
0.45%$500-24 Month CESA
0.35%$1k-18 Month IRA
0.35%$500-18 Month CESA
0.30%$1k-12 Month IRA
0.30%$500-12 Month CESA
Locations

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