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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 San Mateo Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 28, 2026
San Mateo Credit Union's Savings & CDs rates are at 3.75%. San Mateo Credit Union's savings rates are at 3.75%. San Mateo Credit Union's Personal Loan Rates are at 4.49%. MonitorBankRates evaluates the financial stability of San Mateo Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.24%. Rates were last updated on 03/28/2026. San Mateo Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at San Mateo Credit Union? Share your experience about San Mateo Credit Union by leaving a review below, or read customer reviews before you decide to use San Mateo Credit Union. San Mateo Credit Union
350 Convention Way 350 Convention Way
https://www.smcu.org Redwood City, CA 94063 
San Mateo Credit Union Savings Rates
San Mateo Credit Union Checking Rates
San Mateo Credit Union Home Equity & HELOC
San Mateo Credit Union Auto Loan Rates
San Mateo Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for San Mateo Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather San Mateo Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with San Mateo Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
San Mateo Credit Union
Website
https://www.smcu.org
Address
350 Convention Way,
Redwood City, CA 94063
Phone
650-363-1725
Fax
President
Magda Gonzalez
CEO
Wade Painter
Full-Time Employees
219
Part-Time Employees
4
Branch Locations
8
ATM Locations
20
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.24%
Return on Assets (ROA)
0.7842%
Return on Equity (ROE)
6.1109%
Non-Performing Loans Ratio (NPL)
0.69%
Total Assets
1,856,033,569
Total Amount of Shares and Deposits
1,594,277,550
Total Shares and Deposits < 1 Year
1,519,861,436
Total Shares and Deposits 1 3 Years
67,241,873
Total Shares and Deposits > 3 Years
7,174,240
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
113,781,625
Total Uninsured Shares and Deposits > $250K (F+J)
113,781,625
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,480,495,925
Total Interest Expense (Sum of items 6 8)
18,700,046
Share Certificates
10,090
Number of Accounts for Share Drafts
69,234
IRA KEOGH Accounts
3,064
Number of Accounts for Regular Shares
128,014
Money Market Shares
5,121
Net Income (unless the amount is already included in Undivided Earnings)
14,554,963
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
283,562,945
Total Liabilities
1,620,050,136
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About San Mateo Credit UnionIs San Mateo Credit Union a safe place to deposit money?Yes, San Mateo Credit Union is considered a safe financial institution. With a Texas Ratio of 4.238261335925%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does San Mateo Credit Union operate?San Mateo Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join San Mateo Credit Union?Yes, to access services at San Mateo Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, San Mateo Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, San Mateo Credit Union provides members with tools to manage their accounts and build a solid financial history. Does San Mateo Credit Union offer online and mobile banking?Most modern institutions like San Mateo Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.smcu.org. Current San Mateo Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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