Heartbleed Security Bug

Both offices will be OPEN on Good Friday, April 18th.  Happy Easter!


Our State St Office
will be CLOSED
until 12 noon

Our Michigan Office will be OPEN regular 9am-5pm


April 21st - 25th

Click here to find out how you can WIN!                    

Have you gotten your FREE custom picture on your debit and credit cards?  Time is running out!  Good through April 30th!

Direct Deposit Your Tax Refund! Give your tax preparer our routing # 272484658 and your account number

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.


Free Family Friendly Concert

The Verve Pipe

Saturday, May 3, 2014 @ 2pm
Temple Theatre, Saginaw

Sponsored by Impact Saginaw

Click here for details.

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

New & Used Autos


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


What will be your first spring clean up project?
Clean out garage
Raking leaves/debris
Unwrapping bushes/trees
Planting flowers/shrubs
Put new mulch out
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