Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
NCUA
National Credit Union Administration, a U.S. Government Agency
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WOW!!! LOOK AT OUR LOAN RATES ON
HOMES AND AUTOS!!!
 
HOME EQUITY LOANS
MINIMUM: $10,000 MAXIMUM: $100,000.00
VARIABLE RATE LINE OF CREDIT 3%*
5 YEAR FIXED 4.50%
7 YEAR FIXED 4.75%
10 YEAR FIXED 5.00%
Caps: 2% annually, Max. Lifetime Rate is 18% and will not decrease below 3.0%.
*Variable Rate LOC is 15 year term. Rate is Prime - 1% for the 1st yr then Prime - 1/4%
To apply for a mortgage or home equity loan online click on the following link:
Apply for Mortgage/Home equity
NEW CAR LOANS AT 3.50% FOR UP TO 72 MONTHS
***Ask if you qualify for a .5% rate reduction on a new car loan***
USED CAR LOANS (07-10) AT 5.00% FOR UP TO 60 MONTHS
See rates section for more details. Pay 10 months or 12 months a year. Call today for an application or e-mail us at smctfcu@verizon.net.
ONLINE BILL PAY
Our new online bill pay system is now available! Through this system you can enter and save all of your monthly bills to conveniently pay them from one place. No more writing checks and paying for stamps! No more signing onto multiple websites to pay each bill! Sign up and start saving your valuable time and money.
To access online bill pay you must sign in to Internet Teller and click on the bill pay link along the top. The online bill pay site will open. The first time you do this, you must click on the enroll button to enter your personal information. You will also choose your user name and password when enrolling. Please make sure you use your 10 digit checking account number when enrolling. (Your account number is micro-encoded on your check and begins with 270) If you are not signed up for Internet Teller yet, click on the Contact Us button on the left to download the Inernet Teller Agreement and mail it, fax it or bring it in to the office. To view how the online bill pay system works, please click on the link below. After you watch the tutorial, you may also try a demo of the system.
Click here: Bill Pay Guided Tutorial
SURCHARGE FREE ATM LOCATIONS
Your cards can be used at thousands of surcharge free ATM machines. Click on the following links to find the locations most convenient to you.
Star surcharge free locations
Allpoint network surcharge free locations
IF YOUR VISA CHECK CARD IS LOST OR STOLEN
CALL 800-523-4175 WHEN THE OFFICE IS CLOSED
ORDER YOUR CHECKS ONLINE FROM HARLAND CLARKE, OUR PREFERRED PROVIDER
Order Checks here
Secure, Fast Ordering - Ordering checks online from Harland Clarke is as safe and secure as ordering them in person or over the phone. The site is Verisign secure and TruSecure certified, so your transactions and account information are safe and completely confidential.
Application for EZ Statements
REGISTERED EZ STATEMENT USERS CLICK THE LINK BELOW TO ACCESS YOUR EZ STATEMENT
MY EZ-STATEMENT
Our policy for our new tiered Money Management Savings Account can be found by clicking on "ACCOUNT INFORMATION" at the left. This type of account is being offered to provide our members with a higher yielding savings account. Offering a higher paying dividend rate on the tiered Money Management Savings will cause slight reductions in dividends being paid on your other share savings accounts (accounts RG – 06). This sub-account, 07, must be established at your request and monies deposited to it in order to benefit from the higher dividend rates.
CLICK ON RATES AT LEFT FOR CURRENT TERMS AND RATES FOR CDS
VISA DEBIT CARDS
Click on the word application to download a PDF file of an application for a Southern Middlesex County Teachers FCU Visa Debit/ATM card (with an attached User Agreement and Disclosure). You can use this card to make signature purchases wherever Visa is accepted AND to make pin based withdrawals, deposits or transfers at an ATM machine with a Star/Plus logo or to make pin based point of sale purchases. All purchases will be directly debited from your checking account, therefore you must have a checking account with us to have one of these cards. If you are interested in obtaining a Visa Debit/ATM card, please complete the downloaded application and mail or bring it in to us. Please detach the User Agreement and Disclosure and keep for your records. We will process your application and the card will be sent to you in the mail. If you currently have an ATM card, the Visa Debit/ATM card will replace it. The original ATM card will be deleted from the system after activation of the new card. Note: If you currently have an ATM card and do not wish to obtain a Visa Debit/ATM card do nothing. If you have no type of card with this credit union and wish to obtain only an ATM card, contact the credit union for an ATM only card application.
- Your Visa debit card is protected by Verified by Visa. It password protects your card for free when shopping online. The next time you shop online at participating stores, enter the information requested to activate your card in order to complete the transaction. Or, set up your password ahead of time by going to verified by visa . Your card will then have password protection whenever you shop online at participating stores listed at www.visa.com/shopverified.
INTERNET TELLER
You may use the internet teller to view your account balances, make transfers, loan payments or to request withdrawals. Click on the "CONTACT US " button at the left for more information and to download a request form.
2012 Closings
Martin Luther King Jr. Monday January 16th
Presidents' Day Monday February 20th
Easter Holiday Monday April 9th
Memorial Day Monday May 28th
Independence Day Wednesday July 4th
Labor Day Monday September 3rd
Columbus Day Monday October 8th
Veterans Day Friday November 12th
Thanksgiving Thurs, Fri November 22nd & 23rd
Christmas Tuesday December 25th
Early Closings
November 21st Wednesday 3:00 PM
December 26th -28th 3:30 PM
IN THE EVENT OF INCLEMENT WEATHER THE CREDIT UNION MAY NEED TO DELAY OPENING OR EVEN CLOSE. PLEASE CHECK BACK TO THIS WEBSITE REGULARLY FOR UPDATES. WE MAKE EVERY ATTEMPT POSSIBLE TO MEET YOUR NEEDS AND APOLOGIZE FOR ANY INCONVENIENCE THIS MAY CAUSE. |
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