We would like to congratulate our iPad air winner, Celina from Saginaw! She refreshed her banking with our FREE online banking services. Congrats, Celina!

Our credit union offices will be CLOSED on Veterans Day, Tuesday, November 11th, for staff training. 

Free Retirement Fair Oct. 29th 

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.



Friday, November 7th, 2014
Click here for more information

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 carve pumpkins for Halloween, are they:
Happy Faced?
Scary Faced?
Silly Faced?
A Scene/Animal/Ghost from a kit
We don't carve them
All of the above
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