Benefits of Membership

Our credit union is member-owned. That means we return our earnings to our members in the form of higher savings dividends, lower loan rates, and expanded low-cost services. We also avoid high-risk investments such as sub-prime mortgage loans.

Sprint IIA Talk About Savings

Invest in America

Get exclusive credit union discounts on things you use every day. Visit lovemycreditunion.org for more information. In addition to the special offers and discounts, SMFCU members are eligible for a discount on most new GM vehicles.

Save thousands of dollars when you Invest in America. It's all free for our members!

Save with Sprint©!

Member Cellular Discounts with Sprint

Join the 700,000 credit union members nationwide that are already saving over $43 million on their wireless plans! South Metro FCU is pleased to bring our members these major savings through the Sprint Credit Union Member Discount Plan.

Ways you can save:

  • 10% off most regularly priced Sprint individual service plans
  • 15% off most regularly priced Sprint business service plans
  • Waived activation fee on new activations
  • Waived upgrade fee
  • Available to new and existing Sprint customers

Learn more about the Sprint Credit Union Member Discount at LoveMyCreditUnion.org/Sprint.

Did You Know?
Your money is SAFE with our deposit insurance at no cost to you, the depositor. Your deposits are insured up to $400,000 through the combined coverage of the National Credit Union Administration (NCUA), an agency of the U.S. government, and Excess Share Insurance (ESI)

Our Mission

South Metro Federal Credit Union is a member-owned financial cooperative which provides financial products, services and education enabling Members to achieve personal and financial goals and improve their quality of life.


We're Owned by Our Members!

When you join, you become a member/owner of the Credit Union and annually elect its Board of Directors. You are eligible to serve on key committees; and you have a direct voice - a vote - in how the organization is run. Click here to see a list of our volunteer member/directors.

Other Products & Services

  • Safe Deposit Boxes
  • Money Orders
  • Securities signature guarantees
  • Car Buying Services New & Used
  • Automatic Deductions of Recurring Payments
  • Wire Transfers
  • Notary Service - When you need a signature guarantee certification, SMFCU can provide that for you on your bonds, security or financial instruments.

Summer Discounts

South Metro Federal Credit Union is pleased to provide several member benefits in addition to our great savings and loan services:

Valleyfair! discount tickets 
Save on a daily Valleyfair! admission by purchasing your tickets at South Metro Federal Credit Union.

Minnesota Zoo 
Stop by and pick up your Minnesota Zoo 20% off discount admission ticket. The Ticket is also good for $1 off each persons admission to the IMAX theater located on the Zoo Complex in Apple Valley.

The legend of the 16th century comes to life at the Minnesota Renaissance Festival. A successful blend of lively entertainment, unusual foods, unique crafts and family fun, this event blends all the ingredients for a 16th century amusement.

Located in Shakopee, the festival runs for seven fun-filled weekends every August and September. Rain or shine and FREE parking.


© Copyright 2014. All rights reserved. South Metro Federal Credit Union.
2573 Credit Union Drive, Prior Lake, MN 55372
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Equal Housing Lender     NCUA Insurance      Excess Share Insurance
Your savings are insured to at least $250,000 and backed by the full faith and credit of the United States Government.