Introducing Home Equity Line of Credit {HELOC} Loans!

Do you have credit card bills you would like to consolidate?  Maybe your looking to do some home remodeling.  If your primary residence is located in California, then maybe a HELOC is what you need?  Upon qualification, we will loan up to 80% of the market value of your home, minus what you owe on your first mortgage up to a maximum loan of $100,000.  The rate is variable and is based on the Prime Rate and is adjusted semi-annually.

Free GAP Coverage with Financing of New & Used Cars, Truck, SUV's or Motorcycles! 

When you buy a new vehicle and finance it through the SMW 104 Federal Credit Union, you will be provided with FREE GAP Advantage Coverage {a $700 Value}!   This offer also applies if you refinance your vehicle from another financial institution.

Protect Your Vehicle Investment, Not Just Its Value.

You could lose more than your vehicle or motorcycle if it is stolen or involved in a major accident.  You could lose your investment.  Because most insurance policies only cover the value of your vehicle- something that rapidly declines during the first few years of ownership- your loan could be higher than the value of your vehicle.  

Now you can protect your vehicle or motorcycle investment with Guaranteed Asset Protection {GAP}.  GAP is a non-insurance product and is made available via a loan deficiency waiver that covers the "gap" between the vehicle's value and the amount you still owe.  Essentially, GAP protects you and your entire investment from substantial loss. 

What Does Gap Cover?

GAP coverage goes into effect when you need it most- when your vehicle is stolen and isn't recovered, or it is totaled in an accident and can't be repaired.

GAP covers the difference between your primary carrier insurance settlement and the payoff of your loan, less delinquent payments, late charges, refundable service warranty contracts, and other insurance related charges.  Included in this difference is your insurance deductible, which is limited to $1,000.  Also, GAP Advantage pays an additional $1,000 toward the purchase of your replacement vehicle or motorcycle if financed with SMW 104 Federal Credit Union within 90 days of the date your vehicle was determined a total loss.

With our low 5.9% APR financing for vehicles under five years of age, and FREE GAP Advantage Coverage, you are receiving a deal that the dealers won't be able to beat.  To apply for a loan simply go to the Online Services Section of the this website or call one of our loan processors at 1 800 464-5987.

We've Reduced our Visa Rates by 2%!!! 

Our Visa Platinum is now 7.9% APR and carries a credit line from $5,000 to $25,000.  Our Visa Classic is now 10.5% APR and carries a credit line up to $10,000.  Both card types feature the following benefits:

*    No Annual Fee and No Cash Advance Fee

*    25-Day Grace Period for Finance Charge accrual on Purchases

*    $250,000 Travel Accident Insurance

*    Visa Roadside Dispatch

*    Auto Rental Collision Damage Waiver Program

*    Convenient Automatic Payment Transfer from any of your credit union accounts

Additional benefits offered to Visa Platinum Cardholders:

*    Lost Luggage Reimbursement

*    Purchase Security

*    Warranty Manager Service

*    Travel & Emergency Assistance Service

SMW 104 Federal Credit Union Checking Account Changes

We proudly announce that we now offer union printing with new check styles.  If it's time to renew, and to ensure a smooth transition to the "Union Shop" checks, please contact the credit union to select your new check style before running out!