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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 41st largest credit union in the state of California. It is also the 278th largest credit union in the nation. It was established in 1952 and as of June of 2020, it had grown to 198 employees and 99,477 members at 14 locations. San Mateo Credit Union's savings rates are 3X the national average, and it boasts 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 2020

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Health Grade Components

Overall
NCUA #62736
Year Chartered1952
Employees198
Primary Regulator
Profit Margin
Return on Assets - YTD1.02%
Return on Equity - YTD9.17%
Annual Interest Income$22.2MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$1.32B$1.13B
LoansQ2 2020vs Q2 2019$1.03B$965.6MM
DepositsQ2 2020vs Q2 2019$1.17B$994.4MM
Equity CapitalQ2 2020vs Q2 2019$141.7MM$126.7MM
Loan Loss AllowanceQ2 2020vs Q2 2019$6.3MM$5.2MM
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$3.3MM$2.0MM
Real Estate OwnedQ2 2020vs Q2 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
0.60%*$250k*-Money Market Plus
OTHER TIERS: 0.30% → Up to $50k | 0.40% → $50k - $100k | 0.50% → $100k - $250k
0.60%*$250k*-Business Money Market Plus
OTHER TIERS: 0.30% → Up to $50k | 0.40% → $50k - $100k | 0.50% → $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
1.20%$1k-60 Month CD w/ Active Checking
1.10%$1k-48 Month CD w/ Active Checking
1.00%$1k-36 Month CD w/ Active Checking
0.95%$1k-60 Month CD
0.90%$1k-24 Month CD w/ Active Checking
0.85%$1k-48 Month CD
0.80%$250-12 Month Youth CD w/ Active Checking
0.80%$1k-18 Month CD w/ Active Checking
0.75%$1k-36 Month CD
0.75%$1k-12 Month CD w/ Active Checking
0.65%$1k-24 Month CD
0.55%$1k-18 Month CD
0.55%$250-12 Month Youth CD
0.55%$1k-6 Month CD w/ Active Checking
0.50%$1k-12 Month CD
0.45%$100-15 Month Registry CD w/ Active Checking
0.35%$1k-3 Month CD w/ Active Checking
0.30%$1k-6 Month CD
0.20%$100-15 Month Registry CD
0.10%$1k-3 Month CD

San Mateo Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.30%$500-60 Month CESA w/ Active Checking
1.30%$1k-60 Month IRA w/ Active Checking
1.25%$500-48 Month CESA w/ Active Checking
1.25%$1k-48 Month IRA w/ Active Checking
1.10%$500-36 Month CESA w/ Active Checking
1.10%$1k-36 Month IRA w/ Active Checking
1.05%$1k-60 Month IRA
1.05%$500-60 Month CESA
1.00%$1k-48 Month IRA
1.00%$500-48 Month CESA
1.00%$500$100k24 Month Add-On CESA w/ Active Checking
1.00%$2k$100k24 Month Add-On IRA w/ Active Checking
1.00%$500-24 Month CESA w/ Active Checking
1.00%$1k-24 Month IRA w/ Active Checking
0.90%$500-18 Month CESA w/ Active Checking
0.90%$1k-18 Month IRA w/ Active Checking
0.85%$1k-36 Month IRA
0.85%$500-36 Month CESA
0.80%$500-12 Month CESA w/ Active Checking
0.80%$1k-12 Month IRA w/ Active Checking
0.75%$1k-24 Month IRA
0.75%$2k$100k24 Month Add-On IRA
0.75%$500$100k24 Month Add-On CESA
0.75%$500-24 Month CESA
0.65%$1k-18 Month IRA
0.65%$500-18 Month CESA
0.55%$1k-12 Month IRA
0.55%$500-12 Month CESA
Locations

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San Francisco Bay Area

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