Proudly Serving the members of 
Sheet Metal Workers' Local Union No. 104

Mobile Deposit has arrived - Click here for more info!

Low-Rate Auto & Motorcyle Loans
Click here to apply

Activate your SMW 104 FCU Visa Credit or Debit Card by clicking here

Report your Lost or Stolen Visa Credit or Debit Card here

  Catch-Up on the latest news -  Click here to view the credit union Newsletter

Receive your statements faster and more secure with eStatements
Click here for more details

  Online Banking & Free Bill Payment 
 Click here for more details

Mobile Banking
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Is your Bank issued credit card rate too high?  Apply for a Low Rate -  No Annual Fee SMW 104 FCU Visa  
Click here for more details

Free Checking and Bill Payment with SMW 104 FCU  
Click here to apply online






As a reminder, our office will be closed Thursday November 27, 2014 and Friday November 28, 2014 in observance of the Thanksgiving holiday.  Mobile Deposits submitted after 4PM, Wednesday November 26, 2014 will not be credited to your account until  Monday, December 1, 2014.  Withdrawls can be made via ATM using your SMW 104 FCU issued ATM or Visa Debit card.  Additionally, some Shared Branches are available Saturday November 29, 2014 to access your account for withdrawals, deposits or to make payments.  Click the following link to find the nearest location and hours of operation.

ATM & Shared Branch Locator


Home Depot Confirms Data Breach

You have probably heard through many news reports that Home Depot has confirmed a data breach, which appears to date back to April of 2014. 

What does this mean for you and your SMW 104 Federal Credit Union account?

As with previous merchant breaches, we are taking a very proactive approach by contacting our cardholders who used their SMW 104 Federal Credit Union Visa Credit card or Visa Debit card at Home Depot and are directly impacted by this breach.  All cards associated by this breach will be cancelled and replaced.

Due to the number of cards affected, it may take us some time to reach everyone right away, so if you know that you have used your SMW 104 Federal Credit Union Visa Credit card or Visa Debit card at Home Depot since April 2014, please call our office so we can proceed with the cancellation of the affected card(s) and transition you into a replacement card.

We realize this may come as an inconvenience, but to protect your interest and mitigate potential fraud, we must take this action. 

We strongly urge you to monitor your account closely for any unauthorized transactions and contact us immediately should you not recognize a transaction.

Be wary of unsolicited phone calls, text messages or emails requesting personal information or scams that may appear to offer protection.  Additional information can be found on the Federal Trade Commission website by clicking here.

As a piece of mind, our accounts are monitored 24/7-365 by our Risk Management team.  We also offer an additional layer of security, smsGuardian™.  Learn more by navigating to the Visa services page of our website.

For your convenience, withdrawals can be made using your SMW 104 FCU issued ATM or Visa Debit card.  Additionally, Shared Branches are available to access your account for withdrawals, deposits or payments.  Click the following link to find the nearest location and hours of operation. 

CO-OP ATM/Shared Branch Locator



2014 Scheduled Vacation Pay Posting Dates

September 8th
October 7th
November 7th
December 5th

Funds can be accessed by using your SMW 104 Federal Credit Union issued ATM or Visa Debit card, visiting an affiliated Shared Branch location or in person at our office in San Leandro.  In addition, you can request a check to be mailed to the address on file by logging into your account online or by calling our office directly at 800-464-5987. 

Click here if you would like to find the nearest ATM or Share Branch location.

Announcing the launch of the SMW 104 Federal Credit Union Mobile App! 

Click here for more information      

Make a payment on your SMW 104 Federal Credit Union account. 

   We accept Visa, Mastercard, American Express, Discover or eCheck from another financial institution. 
Click here to get started 

Click here to apply for your pre-approved loan today! 

Take the hassle out of the purchase of your next car or truck with IFMA (Independent Fleet Managers Association) 
Just follow these three easy steps and you'll be on your way to the purchase of your next New or Used vehicle 

1.     Contact the friendly staff at SMW 104 Federal Credit Union by calling 800-464-5987 to get started with your loan pre-approval, at which time request information about the IFMA Auto Network 

2.     Visit IFMA @ or call 800-409-IFMA to schedule an appointment with an IFMA member 

3.     The IFMA member will personally assist you with the purchase of the vehicle you are interest in buying

Key Points

Financing with SMW 104 Federal Credit Union as low as 1.99% APR 

The IFMA Auto Network is FREE and so easy to use to purchase your next vehicle, anywhere 

All IFMA Auto Network members are professional fleet managers 

The IFMA program and special fleet pricing is available by appointment only, and only applies if the IFMA member is directly involved   


Decline Line


In order to assist our Visa cardholders with questions regarding a transaction decline when we are closed, we have added a new 24/7-365 service called Decline Line.  By contacting one of our analysts most questions concerning the nature of your decline can be answered in minutes.  In most cases, the analyst can update the account to allow the transaction to be approved, (some restrictions may apply). 

The toll free number for cardholders in the U.S.

For cardholders outside of the U.S., please call collect

SMW 104 Federal Credit Union and smsGuardian™ 

In today’s world, a mobile device is sometimes the quickest way of contacting you so that’s why we have added another feature to protect your Visa Credit and Visa Debit Card against unauthorized activity with smsGuardian™. This feature adds another layer of security by identifying suspicious activity within minutes of a transaction, which can reduce the chance that subsequent unauthorized transactions will occur and will coincide with our existing 24/7-365 fraud monitoring system.   As card usage rise, so too does fraud. 
You can enroll up to ten devices by clicking here

Your mobile device must have the ability to send and receive text messages and the use of “short codes” must not be blocked. Short codes are special phone numbers, often five digits in length, which are used to send text messages from mobile device. 
Third-party fees may apply for text messaging and data. Please contact your mobile device carrier for more information.
Enrollment is good for a period of one year and you will be notified via text message prior to the expiration of your smsGuardian™  account at which time you can reply the word RENEW.
Changing your mobile service provider will require you to re-enroll your mobile device in the smsGuardian™ program.
If you receive a text message and the transaction is legitimate, you do not need to reply. If the transaction is fraudulent, simply reply using the alpha-numeric code contained in the text message. Your card will be immediately blocked from further activity. You may cancel your enrollment at any time by simply texting the word STOP, which will cancel all enrollments for all associated cards for that mobile device. 

Important Reminder to Keep Your Personal and Financial Information Safe

SMW 104 Federal Credit Union would like to remind our members that we DO NOT solicit personal or financial information, so NEVER respond to emails, text messages or phone calls requesting this information.

Fraudsters will use events such as large-scale breaches, which are sometimes exposed via the various media channels in an attempt to potentially obtain your personal or financial information. With that being said, keep your information safe by never opening an email or text message from an unknown sender and never open any links provided in unsolicited emails. The fraudsters can make links look like they go to one place, but actually send you to a different site.

Review your credit card and account statements as soon as you receive them to ensure all transactions were authorized by you. You may obtain a free copy of your credit report from Equifax, Experian & TransUnion each year if you ask for it. Visit or call 877-322-8228.

Don’t be a victim –
Click here for helpful information about identity theft from the Federal Trade Commision.


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