Important Update to Business Hours

Effective Tuesday June 1, 2021, our business hours are as follows:

Prior Lake

Drive Thru, Monday – Friday 8:30 AM to 5:30 PM
Lobby & Phones, Monday – Friday 9:00 AM to 5:00 PM


Drive Thru, Monday – Friday 8:30 AM to 5:00 PM
Lobby & Phones, Monday – Friday 9:00 AM to 5:00 PM

*Saturday hours will remain the same.
Drive Thru, Lobby & Phones, Saturday 9:00 AM to 1:00 PM

If you have any questions regarding this change, please contact Member Services by calling 952-445-0888 or emailing


Did you know at our ATMs you can:
– Transfer funds
– Check account balances
– Deposit checks

Did you know you have access to nearly 30,000 surcharge free ATMs
Which means you have more direct, surcharge-free access to your money than most traditional bank customers do.

For Location Text or Call
– Text a Zip Code to 91989 to find nearby ATM and Shared Branch Locations.
– Call 888-748-3266 to find a location by telephone.

Find an ATM Near You

Mobile Banking

Mobile Banking is free*, safe and a secure way to conduct your banking business on the go anytime with any mobile device. Mobile Banking lets you view account balances, search recent activity, transfer funds between accounts, and access a locator to find COOP ATMs and Shared Branch locations. Optional services include mobile bill pay, instant balances, and the Credit Sense credit monitoring service.

Download the South Metro FCU Mobile Banking App Today!

*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.

Text Banking

Text Banking allows you to securely receive account balances and review account history via any text-enabled mobile device.

Mobile Deposit

Mobile Deposit provides a convenient, easy way to remotely deposit checks into your South Metro deposit account using the camera feature on your mobile device.

CreditSense Powered by SavvyMoney®

Check your credit score for free. Anytime. Anywhere! Understand your credit score, factors that impact it, and what you can do to strengthen it. No purchase or credit card required. Find out more.


PopMoney allows person-to-person payments in your mobile banking app.

Mobile Pay

Use your SMFCU credit or debit card to make contactless payments from your cell phone. Find out how.

Get there. Start here.

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Routing #: 091981646  |  NMLS ID # 1059389

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