Are you leery of those bank advertisements touting low-low rates on their credit cards. Well, you should be.

Members using credit union credit cards, on average pay five percentage points less than bank credit card users. That adds up to about $8 billion a year that bank customers could save by using their local credit union's credit card. Our VISA card offers an annual percentage rate of 12.9%, a 25-day grace period for repayment of balances for purchases, and a $12.00 annual fee. Isn't it time that you started saving by applying for a SMFCU credit card.

Contact us and we will mail you an application.

Our VISA card has always been a great deal but it's gotten even better.

You can now make your VISA payments at the credit union, it will be posted to your account the same day you make the payment. We also have access to your current transactions and can answer any questions you may have about your account.

If you aren't using our VISA call today for an application.