We offer FREE checking accounts and FREE on-line bill pay service and business checking accounts for a small monthly service charge. Checks can be ordered through our partner the Harland-Clarke company for a nominal charge. You may apply for an overdraft line of credit account which will automatically advance funds to cover an overdraft or designate your SMFCU VISA tm to cover an overdraft. You can also attach a savings account to transfer funds from to cover an overdraft if the need arises. Please see fee schedule for the current amount charged to transfer from savings….there is no cost in transferring money on-line or calling the credit union to have a staff member transfer for you. You are able to open additional checking accounts on-line.

Courtesy Pay: Once your checking account has been open and in good standing for 60 days, you are eligible for our Overdraft Courtesy Pay program.  If you opt in to the program, we will pay checks and debit card items up to $400 to avoid embarrassment and fees from returned items.


We offer a variety of savings account options at SMFCU. All of our savings accounts are federally insured by the National Credit Union Administration (NCUA), a government agency, for up to $250,000.00. You are able to open up the following savings accounts on-line.  See current terms and rates.

Regular Savings: our regular share savings account pays dividends on the daily balance, compounded quarterly and are paid on a calendar quarter. A minimum deposit of $50 is required to open an account—for those under 18, it is only $5. Special savings accounts called sub-savings, can be opened under the same number and nicknamed for their designated purpose—i.e. vacation, taxes, etc.

Christmas Club Savings: Do the holidays sneak up on you and find yourself wishing you had tucked some money away? Now is the perfect time to open up a  Club savings account. Funds from the account are distributed every November 1. Use direct deposit, payroll deduction or round-up savings and see how easy it is to have that extra holiday cash. Contact us for details.

Round Up Savings: Is the thought of trying to save money overwhelming? We have a painless way to plump up that balance—it’s called Round-Up Savings. Here’s how it works….every time you use your debit card, we “round” the total up to the nearest dollar and transfer the amount to a designated account. For example-you spend $4.38 for coffee and 23.51 at the grocery store later that day. A deposit of $1.11 is credited to savings from your debit purchases. It’s that easy…get it started today.

Share Certificates

Our share certificates offer several terms and rates to meet your needs. Dividends are paid to the account monthly and you can opt to have them transferred into your checking or savings or added back into the certificate. The opening deposit is as low as $1.00!

IRA Certificates: These are a great way to begin saving for retirement. Opening a traditional IRA allows a tax deduction now in anticipation of lower tax rates when you retire. You may contribute up to $5000 per year or equal to your earned income if it is less than $5000. If you are over age 50, you may contribute up to $6000, or up to your earned income if it is less than $6000.

ROTH IRA Certificates: The Roth IRA is a good choice if you don’t need the tax break right now. You do
not have to take mandatory distributions at age 70 ½ and tax-free, penalty free withdrawals can be taken
after 5 years after opening at age 59 ½ or due to disability, death or for a first time home purchase.

1 YEAR CD Builder: the goal of the CD builder is to dedicate a monthly amount that would equal at least $1000 by the end of 12 months. The opening minimum deposit is only $1.00

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Sage knows we have everything you need, So relax and learn how to open an account today.