Tools & Discounts

In addition to providing financial products, South Metro Federal Credit Union aims to provide services and education enabling you to achieve personal and financial goals. We’re here to help improve your quality of life.

South Metro Federal Credit Union Budgeting Tools


Calculators are valuable tools for testing real-world financial scenarios. This set of calculators from our MoneyEdu website can help with your financial decisions. Note: these calculators are for estimate purposes only, since they use assumptions. To learn more about your specific financial situation, give us a call!

South Metro FCU auto loan calculator

Auto Loan Calculator

Estimate monthly payments and the total cost of a vehicle loan.

South Metro FCU emergency fund calculator

Emergency Fund Calculator

How much savings should you keep on hand?

South Metro FCU credit card repayment calculator

Credit Card Repayment Calculator

Find out the total cost to pay off a credit card debt, and how long it will take.

South Metro FCU financial wellness calculator

Financial Wellness Calculator

Compare your financial health with a national sample.

Member Discounts

Get exclusive credit union discounts on things you use every day. Visit for more information. It's all free for our members! For example, the Sprint Credit Union Member Discount Plan includes:

New Customers to Sprint

  • Credit union members earn $100 in cash rewards per new line on unlimited lines with Sprint
  • Credit union members receive a $100 annual loyalty reward every year
  • Plus, 25% off select accessories purchased in Sprint stores

Current Sprint Customers*

  • Credit union members who transfer into the program receive a $100 annual loyalty reward on their 12-month anniversary of transferring into the Cash Reward program
  • Existing Sprint customers can earn $100 in cash rewards per new line with Sprint
  • 25% off select accessories purchased in Sprint stores

All members must register at to enjoy these exclusive benefits.


Members who registered prior to 11/21, will be grandfathered into the program terms and conditions at the time of their activation and registration.
Updated Terms and Conditions:
Limited time offers. Activ. Fee: Up to $30/line. Credit approval req. Cash Reward Offers: Avail. for eligible credit union members & member employees with qualifying corp. id. (ongoing verification). $100 Cash Reward for new smartphone lines activ. up to 15 lines. Req. activ. at point of sale. Excludes CL, MBB devices, tablets, Sprint Phone Connect, upgrs., replacements & ports made between Sprint entities or providers associated with Sprint. Limit one SWP Corp ID per Sprint acct. No add’l. discounts apply. Loyalty Reward: $100/acct./yr. when Sprint acct. remains active and in good standing each yr. Transfer Reward: Members participating in another discount program are eligible for a $100/acct./yr. deposit on their 12mo anniversary transferred to Cash Reward program. Deposit: Cash Reward issued by CU Solutions Group. Sprint acct. must remain active and in good standing for 31 days to receive Cash Reward. Allow 6-8 wks. for Cash Reward to be deposited to your Credit Union acct. If the Cash Reward does not appear after 8 wks., visit & click on “Cash Rewards Tracker”. Other Terms: Offer/coverage not avail. everywhere or for all phones/networks. May not be combinable with other offers. Offer, terms, restrictions, & options subject to change & may be modified, discontinued, or terminated at any time without notice. Restrictions apply. © 2018 Sprint. All rights reserved. Sprint & the logo are trademarks of Sprint. Other marks are the property of their respective owners.

Save More with South Metro FCU and TurboTax®

South Metro has teamed up with TurboTax to make filing taxes faster, easier, and worry-free. Your filings are secure and accurate. Calculations are 100% guaranteed by Turbo Tax Online*.

Confidently file your taxes with TurboTax Online:

  • Complete your simple federal return for free or receive up to a $15 discount on other Turbo Tax Online paid editions.
  • Have step-by-step instructions and questions throughout provide help and advice for all users.
  • Get your refund in as fast as 10 days when you email and elect direct deposit – about a month faster than regular mail.
  • Relax knowing your tax data is protected.
  • Your returns done by Turbo Tax Online.

Go to TurboTax Online

*TurboTax and TurboTax Online, among others, are registered trademarks and/or service marks of Intuit Inc. in the United States and other countries.

Valleyfair! discount tickets 

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

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.

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. We return our profits to our members in the form of better rates and fewer fees on our services, which include:

  • Safe Deposit Boxes
  • Money Orders & Wire Transfers
  • Securities signature guarantees
  • Notary Service - When you need a signature guarantee certification, SMFCU can provide that for you on your bonds, security or financial instruments.

Did You Know?
Your money is SAFE with our deposit insurance at no cost to you, the depositor. Your deposits are insured up to $500,000 through the combined coverage of the National Credit Union Administration (NCUA), an agency of the U.S. government, and Excess Share Insurance (ESI).

SouthMet Testimonials

By switching to South Metro Credit Union, we were able to save $43,000 per year by customizing their services to fit our needs. - Scott

Free Online Tools

Take an important step in preparing for your financial future with MoneyEdu – a new financial wellness education program for South Metro members.

With hundreds of videos, calculators, interactive exercises, and topics to explore, there’s always something new to learn. You can even take complete online courses, create a budget, and track your progress over time. Get started today!


Start building your financial journey here! is a free resource for financial saving, spending, planning, budgeting, and much more. This is a great first step towards lifelong control of your money.

Go to

In addition to member discounts, has a resource center with lots of free financial advice and additional calculators.


Savvy Travelers

SMFCU is part of a network of credit unions across the nation offering members more convenience by sharing locations. You can access your account and funds from any of the CO-OP Shared Branches. There are no additional fees to use one of our shared branches.

Find a Shared Branch. provides a safe and secure way to pre-purchase your foreign currency for 100+ countries without paying exorbitant fees found in airports, hotels and currency exchange outlets found throughout the world.


Get there. Start here.

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Routing #: 091981646  |  NMLS ID # 1059389

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