District 1 and District 2 Vacation Pay will be available 11/4/2020


Credit Union’s are about people helping people and SMW 104 Federal Credit Union is committed to helping those members who have been directly impacted by COVID-19.

The credit union lobby is now open to service members during our normal business hours of 9:00 – 5:00. 

If you are looking to apply for a loan, sign loan documents, require a notary or any other business that requires more time , we ask that you please call the credit union in advance to make an appointment.  If you wish to pick up a check from your account, please call ahead of time so we can have your check ready when you arrive.  However as an  alternative to accessing your funds, you may utilize Online Banking or an SMW 104 FCU issued ATM or Visa Debit card.

In order to comply with CDC and State regulations, and to keep members and staff safe, the following protocols will be in place and enforced. 

Only two people will be allowed in the lobby at one time and must maintain social distancing of at least six feet at all times.   
Distancing markers have been placed in the credit union lobby as well as the parking lot to ensure everyone meets the distancing requirement of at least six feet. 

Upon entering the credit union, members will be required to sanitize their hands, self-administer their temperature, and wear a facial mask for the duration of their visit.

To mitigate the risk of transmission, the credit union has installed plexiglass barriers between the frontline staff and members in the lobby.  Additionally, we conduct a thorough cleaning of high traffic areas daily, as well as an hourly sanitization of the credit union lobby, which includes the countertops, the doors and light switches.

Click here for office hours and COVID-19 information

Free Weekly Credit Reports Available

Experian, TransUnion and Equifax will offer all U.S. consumers free weekly credit reports for the next year through AnnualCreditReport.com to help you protect your financial health during the sudden and unprecedented hardship caused by COVID-19.  

Our goal is to provide you with exceptional member service

The staff of SMW 104 Federal Credit Union is here to assist you with any questions or transactions on your account.  We are available Monday through Friday 9 AM to 5 PM.  Please don’t be discouraged by our automated operator, our staff is just one button away to help you with all your credit union needs.