Member Appreciation Month
Credit Score 101
CD Promo
Member Appreciation Month
Credit Score 101
CD Promo


Get There. Start Here with Us.

South Metro's financial services are available to residents who live or work in Hennepin, Carver, and Scott County of Minnesota. Immediate family members of these residents are also eligible for South Metro membership regardless of where they live. Achieving your personal and professional financial goals starts here. Improve your quality of life – we'll help you get there.

Convenient Banking Locations

Fitting finances into your daily life requires flexibility. In addition to our full suite of virtual services, you can also bank at South Metro Federal Credit Union in the following locations:

  • Prior Lake - Drive-thru hours 9am - 5pm, Mon-Fri
  • Shakopee - Drive-thru hours 9am - 5pm, Mon-Fri & 9:00am - 12pm Sat
  • Savage - ATM access 24 hours
  • 36 shared branching locations in the Twin Cities area and over 5,000 shared branching locations nationwide

We're always close by, ready to help with your financial needs. Get there. Start here.

Raise your Credit Score

Click Here

Try our Calculators

Try our Calculators

Don't Get Scammed!

Don't Get Scammed!

Teach Kids about Money

Start Here

Savvy Investments Start Here

Available through CUSO Financial Services, L.P.

Mobile Friendly Banking

South Metro Federal Credit Union provides:

  • 24/7 access to your account
  • Convenient and secure transactions

We also understand that you're on the go. With South Metro you've got mobile account access to your accounts to keep you in touch with your finances whether you're at home or on the move. Get there. Start here.

Download your app today!
  • APPLE USERS: Click on the App Store icon at right, or head on over the iTunes App Store on your device and search for "South Metro FCU" (without quotes) to download the app.
  • ANDROID USERS: Click on the Google play icon at right, or visit the Google Play store and search for "South Metro FCU" (without quotes) to download the app.

*You may be charged access fees depending on your wireless service plan. Check with your mobile service provider for details on specific fees and charges.

Download the mobile CardSecure app to protect your SMFCU Debit and Credit Cards with real-time control.

Find out more.

Routing #: 091981646  |  NMLS ID # 1059389

We at South Metro Federal Credit Union are committed to the digital inclusion and providing a website that is accessible to the widest possible audience in accordance with certain standards and guidelines. We are striving consistently to conform to WCAG 2.0 Level AA of accessibility. If you run into any barriers, please reach out to us at 952-445-0888 or

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