At South Metro, We’re
Spreading the Holiday Cheer!

Loan Rate Discount
.25% rate discount on loans*

No payments until after the holidays!
60 days until first payment

Get extra money for gifts! $50 cash back
on refinanced loans of $10,000 or more**

Apply online for your next loan – day or night!* We also have a loan application on our Mobile Banking app, or you can apply over the phone using Telephone Banking at 1-800-459-8139.

Email or call 952-445-0888. We’d love to see you!

Holiday Credit Protector Program
*Rate discount applies to consumer collateral-secured loans only. Interest will accrue during the first 60 days without payment. Offer good to qualified borrowers through December 31, 2019. **$50 cash back is limited to eligible credit union members that refinance a secured loan from another financial institution between December 1, 2019 and December 31, 2019. Valid on loans currently financed with a lender other than South Metro Federal Credit Union. Terms, rates and conditions are subject to change without notice. Must be a SMFCU member. Member responsible for any applicable taxes.

Get there. Start here.

Find South Metro on FacebookFollow South Metro on TwitterCheck Out South Metro's Instagram feed

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

Equal Housing Lender    NCUA Insurance     Excess Share Insurance

© Copyright 2020. All rights reserved. South Metro Federal Credit Union.    SEND US A SECURE EMAIL

Need Help?

Call 952-445-0888 to contact us. We're eager to help!