If you have received the following test message or something similar DO NOT Respond!

SMFCU NOTICE: Your card ending in XXXX has been locked.  Please call this number 800-809-XXXX to unlock your card.

When members call the number it asks for their PIN and when provided fraud is happening immediately!

Remember SMFCU never requests information in this manner. We utilize various measures to protect your privacy and understand your security concerns. Please contact SMFCU about any such text messages immediately or simply delete. For more information, read our Privacy Policy.   Exception: We have 24x7 monitoring systems for our credit and debit cards. You may receive a phone call from these monitoring systems to verify that you performed a transaction that they consider suspicious or unusual for you. However, when they do contact you they will never ask you for any personal identifying information.

Quick Links:

Debit & Credit Cardholders
Let Us Know When You're Traveling

SMFCU Routing Number  272484658

Accel is a FREE counseling/financial goal setting program that is available FREE to SMFCU members looking to enhance their overall financial well being.


Spot Identity Theft Early
Review Your Credit Reports!


TruStage Insurance & Investments

Looking for a quick and easy way to get started on a budget - try Budget$mart!  This easy-to-use software tool will help you to establish a budget, track spending and MUCH more. Click the icon to download FREE Software onto your computer. 



Featured Rates

Featured Rates for Home Page
Loan TypeRate(as low as)Term
2010 & Newer 2.40%

up to 66 months


up to 72 months


up to 84 months

*APR = Annual Percentage Rate.
More Rates


Contact our
Mortgage Loan Originator Ryan Engelmann
NMLS #161285
(989) 921-1410

Fixed Rate Mortgage Loan Details

SMFCU Mortgage News


If you ran away and joined the circus, which circus job would you most like to do?
Snake charmer
Trapeze artist
Barebake rider
Lion tamer
Human Cannonball
Popcorn/cotton candy vendor
Equal Housing LenderNational Credit Union Administration
NCUA - Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government agency. Equal Housing Lender - We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act