Stories Matter
Loans
New or used auto loans
Reliable transportation is key, and let’s be real—who doesn’t get excited about a new set of wheels?
Whether it is a new or used car or truck, we’re here to take the stress out of financing so you can get into the right vehicle for you.
Get pre-qualified and know exactly what you can afford before you shop. Let us make your car buying experience as smooth as possible and get you on your way!
Home loans
Got your heart set on owning your own home? Thinking about refinancing or tapping into your home’s equity for renovations?
Our Mortgage Lending options could be what you need. Heads up, though — you can’t apply for home loans online just yet.
So, if you’re ready to buy, refinance, or get a Home Equity Line of Credit for that dream home, project, or remodel, just give us a call or swing by in-person to start your application.
RVs, ATVs, Boats, Motorcycles and other Toys
Is work-life really a balance? How about having your work be the way you pay for your adventures.
If you are dreaming about exploring lakes, mountains, and the Pacific Northwest, let us help you make it a reality!
More Loan Services
Personal Loans - Unsecured
Unlock your finances with our flexible personal loans, designed to provide quick and easy access to funds.
An unsecured loan is pretty straightforward: It’s a loan that doesn’t require you to put up any assets (like your car or savings) as collateral.
This means if you’re short on cash but don’t have anything big to secure a loan against, you may still qualify to borrow money.
We offer competitive rates and terms for unsecured loans for whatever you might need – new camera equipment, new bike, extra cash for vacation, the engagement ring…You know what you need, let us see how we can help you get it!
Personal Loans - Secured
Unlock your finances with our flexible personal loans, designed to provide quick and easy access to funds.
Think of secured personal loans as a win-win situation if you’ve got some cash saved up.
Here’s the deal: If you’re willing to let your savings act as a safety net for the loan, we’ll cut your interest rate down to just 3%.
It’s a lot lower than most unsecured loans. And here’s the cool part: You don’t have to drain your SMFCU savings account.
Your money stays put where it is, and as you chip away at the loan balance month by month, you start regaining access to the amount in your savings account that exceeds what you owe on the loan. You keep building your savings while getting the cash you need now.
Overdraft Protection Line of Credit (ODP)
Apply for an overdraft line of credit and never worry about your checking account running short again.
This service covers overdrafts or non-sufficient funds automatically.
You can select more than one account to fund overdrafts (your savings account, then your Visa Credit Card, etc.)
Overdraft Protection fees can be found here.
Visa Credit Cards
Fixed rate, no frills or fuss, a card that offers convenience and security designed to complement your lifestyle.
Our VISA card comes with a 12.9% fixed APR for both purchases and cash advances with a low annual fee of just $12.
No finance charges or late payment fees
You can make payments online through home banking and it will be posted to your account the very same day. You can also make payments by phone or in-person.
Worried about over drafting on your checking account?
You can apply to link your Visa to your checking account for Overdraft Protection.
You can read more about Overdraft Protection fees on our fee schedule page.
Holiday and Summer Fun Loans
Feeling the need to unwind and have a little fun?
Whether it’s hitting a sunny beach in summer or enjoying a snowy winter getaway, our short-term loans can take some pressure off your wallet.
Holiday and Summer Fun loans let you borrow up to $2,500 for a vacation or up to $2,000 for holiday expenses.
Both loans offer a 12-month repayment plan. Online Applications are not available for Holiday/Summer Loans so call the Credit Union for current rates and terms.
Home Equity Line of Credit (HELOC)
With a HELOC, you can borrow against the equity in your home and access funds as you need them.
Whether it’s a new kitchen, a bathroom remodel, or managing unexpected expenses, our HELOC offers flexible terms and competitive rates.
Applications are not available online so stop by in-person and talk to a loan officer. Empower your home’s value to work for you today!
Current Loan Rates
Discover the advantage of our competitive rates, ensuring you receive the best value and a personalized approach to all your banking and borrowing needs.
| Loan Type | APR* |
|---|---|
| New or used Vehicles* | As low as 5.60% |
| RV/Boat/Motorcycle* | As low as 7.14% |
| Signature & LOC* | As low as 13.99% |
| VISA Classic®* | As low as 12.90% |
Your Loan Team
Jaime Laughlin
Loan Officer
Corey Fortune
President/CEO