You can earn higher yields when you deposit your funds into a term account from
three months to three years* with only a $2000 minimum balance.
INDIVIDUAL RETIREMENT ACCOUNTS (IRAS)
Traditional, Roth and Education IRAs are available as IRA Share Certificates
for one or two years. Minimum balance to open an IRA is $50.
*Penalty for early withdrawal of funds.
- Free Checking Available*
- Minimum Monthly Balance of $300 or more
- Direct Deposit
- Overdraft Protection
- Over 60 Account
*One of the items listed above can qualify you for a free checking account.
VISA CHECK CARD/ATM CARD
Safer than carrying cash and quicker than writing a check. Your Visa Check
Card give you access to more than 14 million locations worldwide. Use it anywhere
a Visa is accepted—your transactions are deducted from your checking account.
Unlimited free ATM withdrawals at hundreds of Co-Op ATM’s, many of which also
take deposits. Your Visa check card can be used at ATM’s display any of these
symbols. No fee at Co-Op ATM’s and of course, no charge for teller service
Up to 100% financing on new and used vehicles. We will also finance RV’s,
travel trailers and motorcycles. We can also save you money when you
refinance your loan from another financial institution.
PERSONAL UNSECURED SIGNATURE LOANS
We offer Lines of Credit, Specialty Loans, Overdraft Protection Loans and
Holiday Convenience Checks. We use Credit Based Lending to determine rates and
REAL ESTATE LOANS/HOME EQUITY LOANS
Getting a Real Estate Loan may be easier than you think . Pre-qualifying,
fixed rates, adjustable rates, variety of terms. Equity Loans— fixed rates
and variable rates. Variety of terms and the choice of an Equity Line of
Credit for flexibility or an Equity Loan with a fixed term and rate. Use the
funds for a lump sum expense such as debt consolidation or a remodeling
project. Or buy a car and use our five, six or seven year term Equity Loan .
Remember no points on any of our equity loans
Just starting college , in the middle or finishing up? We can help you with
a student loan or consolidate your existing student loans.
TOUCHTONE TELLER (888)455-4751
Check your account balances or history, transfer funds between accounts,
transfer loan payments or request a share withdrawal.
ONLINE BANKING AT WWW.SMSEFCU.ORG
With internet access you can conduct transactions anytime, anywhere. Check
your accounts and transfer funds or request a withdrawal.
Now you can pay your bills without writing checks, licking stamps
or stuffing envelopes. Bill Pay provides 24 hours convenience to
pay your bills by personal computer. All you need is a Santa Monica
School Employees FCU account and checking account.
To sign up, contact the credit union for details. You can be online
in a matter of hours.
Want less paper in your life? Sign up for e-Statements with the
credit union and receive your statement by e-mail and reduce your
paper clutter. Sign up for *Internet Banking, *Bill Pay and *e-Statements
to simplify your life.
* Sign up for all 3 servics and get two FREE movie tickets