As a member of Seattle Metropolitan, you enjoy great rates, fewer fees, helpful branch representatives, and being a part-owner of a cooperative who exists solely to serve its membership. But that's not all.

Here you'll find specials like even lower rates on loan products, giveaways, and ways to earn money when you help the credit union grow.

For details and disclosures of each promotion, please click the respective "Learn More" button. Be sure to check back frequently to get the most up-to-date news on promotions from Seattle Metropolitan.


simplify and save!

Simplify and save! Get 1.99% APR* on balances transferred to an SMCU VISA® before 5/31.

The SMCU VISA is already a great value. To make it an even better deal, if you transfer balances from other loans and credit cards to an SMCU VISA card before May 31, 2017, you'll get 1.99% APR* on those balances through March 2018. That can add up to hundreds or even thousands of dollars in interest savings. And by consolidating your debt, you may find yourself with an overall lower payment!

If you already have an SMCU VISA, you can start transferring balances today. Just log into Online Banking and click View Your VISA. From there click Services in the top menu and then Balance Transfer. Then fill out the form for each account balance you'd like to transfer. 

If you need to get an SMCU VISA, it's quick and easy to apply online

If you have any questions, or you'd like to apply by phone, contact our loan experts at 855-575-9352.

Apply Now

  • See the VISA Balance Transfer Details

    * Pricing Disclosure: Promotional rate of 1.99% annual percentage rate (APR) ends midnight 3/31/2018 and applies to transferred balances only. To qualify for promotional rate, transfers must be made between 1/1/17 and 5/31/17 (OFFER PERIOD). Balances can be transferred up to the established credit limit and may take up to 30 days to process. Continue making your payments with your other card issuer until the payoff payment has been received and processed. SMCU is not responsible for late payments on your other issuer’s account. After the Offer Period ends, the standard APR will be applied to any new balance transfers. As of 1/2/2017 the standard variable APR for purchases and balance transfers starts as low as 7.74% and is based on applicant’s credit qualifications. To calculate the standard purchase and balance transfer APR, we add a Margin to the Prime Rate. Fee for foreign purchases is 1% of final settlement amount for transactions completed in foreign currency and 0.80% for transactions completed in U.S. dollars. Cash advance fee is either $10 or 3% of the amount of each cash advance, whichever is greater. Late payment and returned payment fees, up to $25 each. Equity Platinum & Business Visa cards are not eligible for this promotion. You may not pay against other Seattle Metropolitan Credit Union accounts or request a payment to yourself. Refer to your cardholder agreement for additional details. SMCU is Federally Insured by NCUA.



For a limited time only, you can secure a great rate on a 33-month share certificate account with complete piece of mind knowing that at any time during your term you can elect to "bump" your CD rate up to the current rate if it rises in the future. Take advantage of this great savings tool with as little as a $1,000 minimum deposit.

If you are ready to open your CD account and aren't yet a member, apply to join SMCU by clicking the button below, by calling us at 206-398-5500, or by stopping by a branch. Your CD can be opened the same day as your membership is approved. SMCU membership is open to anyone who lives or works in the state of Washington or any person related to a current member by blood, marriage, domestic partnership, or adoption.

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  • See Promotion Details

    APY is Annual Percentage Yield. Rate is effective as of 6/1/2016. APY, Dividend Rates, and Terms subject to change without notice. Account fees may reduce earnings on the account. $5.00 minimum initial deposit to establish membership. $1,000 minimum deposit required to open certificate account. Dividend rate is subject to change at renewal, early withdrawal penalties may apply, including loss of interest earned. See the Shared Certificate Rates Disclosure. Please contact SMCU at 206-398-5500 or 800-334-2489 for further details. See the complete rate table at



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