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What is your biggest monthly expense? Your mortgage? Your car loan? What if one call could slash that monthly bill and offer you an extra $20, $50, or even $100 a month? What if you could eliminate the monthly maintenance fee from your checking account and start earning interest on your balance?

Do you carry a credit card balance month-to-month? Is your interest rate making it harder to pay that balance down? Would you consider switching if you could pay your debt off faster without having to sacrifice credit card rewards?

Many of us don’t consider our banking relationship until we have some sort of crisis, but without the right financial products we might all be throwing away money that we could be using to pay down debt, get into a home, or take a well deserved vacation.

When you take a close look at all of your banking products and compare them to what you’ll find at Seattle Metropolitan Credit Union you may be surprised how much money you could save.

Seattle Metropolitan is a not-for-profit financial cooperative. We were created by our members, and our primary job is to safeguard their right to high-quality financial products at great rates. That means our rates are usually better, and we charge fewer fees than most commercial banks.

We’ve been a part of the Seattle community for more than 80 years. When we make a loan, we’re helping out one of our neighbors, not a nameless, faceless entry on a ledger. We invest in the people who make this area so special by volunteering our time, donating to those organizations that make a difference locally, and highlighting the things that are uniquely Seattle.

Keep reading to find out about some of the great products we offer.

Mortgages

Your mortgage is one of your biggest expenses. Because of the larger loan amounts and longer terms, getting the right interest rate can make a big difference in your monthly payment. Whether you are buying your first home or are thinking about refinancing the loan you already have, compare SMCU’s mortgage rates to those of other lenders.

We have all the mortgage options you need from 30-year fixed loans and ARMs to VA loans and Jumbo loans. We also have experienced mortgage loan experts who can answer your questions and make sure that you get the mortgage that works for you now and will continue to work for you in the future.

It’s easy to apply online, or you can call us to walk you through the application process and answer any questions you might have.

Home Equity Loans

Home additions and repairs can be expensive enough without paying a high interest rate and a bundle of fees on the loan. If you need money to remodel your kitchen or put in new pipes, talk to Seattle Metropolitan about our Home Equity Loans and Home Equity Lines of Credit.

SMCU has great equity rates with lower fees than most banks, and will lend up to 90% of the value of your home, unlike some other lenders.

Even if you aren’t making home improvements, an SMCU equity loan might be something to consider if you need to consolidate debt. Equity rates are usually lower than what you are paying on your outstanding balances. Plus, the longer terms for these loans can mean even lower monthly payments.

Applying online is easy, or you can call us and we'll walk you through the application process and answer any questions you might have.

Auto Loans

Your interest rate is one of the primary factors that determines your monthly car payment. A lot of people don’t know that they aren’t stuck with the loan they have. It’s easy to refinance your auto loan to take advantage of lower rates. By moving your loan to SMCU, you may be able to reduce your payment and put money back into your budget every month.

Every SMCU auto loan includes our innovative Anytime Skip-a-Pay program. You can skip up to two payments every twelve months when it’s convenient for you without any negative impact on your credit. Just tell us which month you’d like to skip and pay a small processing fee1.

If you’re in the market for a new car, SMCU can help you get the right car as well as the right loan without ever leaving the branch. We’ve partnered with Autoland, the nation’s largest auto-buying service for credit union members. They can help you research the car of dreams, then find it, and deliver it to you at any SMCU branch.

Applying for an SMCU auto loan is easy. You can do it online in just minutes at smcu.com. You’ll get a quick answer, and if approved, you can even sign your loan paperwork electronically from the comfort of your home or office.

VISA® Credit Cards

Don’t pay high interest rates or annual fees to get great rewards. The SMCU Visa comes with UChoose Rewards®, one of the best rewards programs in the industry. You’ll get 1 point for every dollar you charge2, and can earn even more when you take advantage of special points offers in the UChoose Rewards mall.

Spend your points on name brand merchandise, travel and lodging, and even unique experiences, like a Capitol Hill food tour or helicopter lessons. And with SMCU, you won’t pay exorbitant interest rates or an annual fee to get all the great benefits that come with the Seattle Metropolitan Visa. You also won’t pay balance transfer fees.

Applying online is fast and easy!

Feel Good Checking®

Your checking account could be doing so much more. It could be SMCU’s Feel Good Checking. Feel Good Checking is an interest-bearing checking account that pays a great rate on the first $5003 you have in the account. You’ll get free checks for the life of the account, free Online Banking, and free Bill Pay.

The best part about Feel Good Checking is what it does for the community. Every year we partner with seven fantastic non-profit partners who work hard to make the Seattle community better. Our members nominate and vote for their favorite charities during our Checking for Change campaign each year. Seven winners become our Feel Good Checking partners for the next twelve months.

Every time someone opens a new Feel Good Checking account, they get to tell us which of the seven partners we should donate $20 to. Since the account started in 2008, it has raised nearly $150,000 for these deserving organizations.

All of this would make Feel Good Checking the best checking account anywhere, but there’s more. There’s no monthly maintenance fee and no minimum balance requirement. All you have to do is sign up for eStatements and Direct Deposit, and you can enjoy all of the benefits of this amazing checking account.

Opening an account online is quick and easy.

Details

1 See smcu.com/skip-a-pay for program details and eligibility requirements.

2 No rewards points are earned for balance transfers or cash advances.

3 Minimum requirements for earning dividends: (1) eStatements (2) Direct Deposit. Only one Feel Good Checking account per member. Free box of checks is limited to one box per year, Classic style with standard type style and no additional graphics added. Members who choose a different style will receive a once-per-year $5 credit toward their choice of checks.