When you join, you become a member/owner of the Credit Union. 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.
• Dividends - Members are eligible to receive dividends from our profits/reserves. You can receive dividends on funds in your checking and/or savings accounts. See our Consumer Savings Rates to learn more.
• Insurance - You can get $3000 of coverage, paid for by your credit union and provided by CMFG Life Insurance Company. You can also get up to an additional $300,000 AD&D coverage from CMFG Life at affordable rates. Sign up for your no-cost or additional protection today.

• Scholarships - In partnership with the Minnesota Credit Union Foundation Scholarship Council, members of South Metro FCU are eligible for $1,000 scholarships. Learn more.

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).