Personal Loans

A Personal Loan is a closed-ended or "one-time" loan to pay for a vacation, furniture, a personal computer, or other major purchases. SMCU also offers a special medical equipment loan with extended terms for easier monthly payments. When your Personal Loan is approved, you'll receive a one-time disbursement check from the credit union.

Line of Credit

A Line of Credit is an unsecured, open-ended loan. This means you can draw on it (up to available credit limit) whenever you wish. You can connect it to your checking account to cover overdrafts, or simply draw funds when you need them.

You can access your Line of Credit loan through telephone banking, by writing a check, or through Online Banking.

Loan Decisions - 24-Hours A Day

To apply for a consumer loan, click here, fill out the appropriate information, and submit it to us. Or call our Contact Center at (206) 398-5500 or (800) 334-2489, and apply over the phone. Either way, you can apply 24 hours a day and you'll have your answer quickly. Each offers the following benefits:

• Flexible terms that make your monthly payments affordable
• Competitive interest rates to save you money
• Fast loan approval for your convenience
• Low down payments
• Debt Protection available at a minimal cost