This page uses JavaScript. Your browser either does not support JavaScript or you have it turned off. To see this page properly please use a JavaScript enabled browser.
Saginaw Medical Federal Credit Union Go to main content

Exclusive Pre-Merry Monday Special Nov 1-16th – You could Grab $500 Cash!

Open a Share Certificate with $5,000* OR be approved for a $5,000 Consolidation Loan between November 1 and November 16, 2018 and you will be automatically entered for a chance to win 30 seconds inside our Cash Tornado! Our cash tornado is a whirlwind of flying money where you get to grab up to $500 cash within 30 seconds! Cash Tornado Event will take place on Monday, November 19th at 3pm at our 4550 State St location. You must be present to win.

ENTER NOW!  Apply for a Debt Consolidation Loan OR 

Open a Share Certificate at either credit union location

*Share certificates must be from funds not currently on deposit with SMFCU.

Totally Tursday header graphic

Just in time for the holidays, we’re going to put more jingle in your
pocket with one day of savings offers, rate specials and prizes!
Available online or in branch!

Certificate Rates

cheerChristmas Club

Loan Rates

cheerMerry Monday
Prize Drawing


Which Merry Monday Offer Will Make Your Holidays Brighter?

Merry Holiday Loan Special – Finance your holiday purchases for as low as 4.90%APR for up to 12 months.

Tis the season for Low-ho-ho rates to purchase your sleigh-full of gifts!
Interest rate and term are based on creditworthiness and loan guidelines. 12 monthly payments of $85.56 per $1,000 borrowed based on best rate.

Debt Consolidation Loan – as low as 5.90%APR up to 36 months

Consolidate and save. Lower your payments or pay them off faster!
Interest rate and term are based on creditworthiness and loan guidelines. 12 monthly payments of $86.02 per $1,000 borrowed based on best rate.

Visa Balance Transfers – 5.90%APR for Life and NO transfer fees 

Raise your holiday spirits by lowering your payments and pay off your credit card debt faster!
5.9%APR is valid until the entire balance is paid in full and only applies to balances transferred from another financial institution. If you are 60 days delinquent and receiving a promotional balance transfer rate, this rate may automatically revert to the originally disclosed balance transfer rate. APR for purchases will remain at the originally disclosed rate.

Share Certificate Specials

  • 28-month Share Certificate for 2.55%APY
  • 18-month Share Certificate for 2.70%APY
  • 54-month Share Certificate for 3.05%APY

CD Specials only apply to funds not currently on deposit with SMFCU and only available in-branch from 8:30am – 5:00pm on November 19, 2018. 
All certificates require a $500 minimum balance to open the account and earn the stated APY unless otherwise stated.Substantial penalty for early withdrawal. Call the credit union for complete disclosures at 989-791-7070 ext. 3503.

Open a 2019 Christmas Club and Receive $20!

  1. Open a 2019 Christmas Club account in-branch from 8:30am – 5:00pm on November 19, 2018.
  2. Set up payroll deposits or automatic transfers to your new Christmas Club Account.
  3. Deposit $100 or more of new money (funds not currently on deposit with SMFCU) by December 25, 2018.

If all three steps are completed, SMFCU will deposit $20 to your 2019 Christmas Club account on December 26, 2018.
Member will forfeit $20 incentive if; Christmas Club account is closed within 90 days. Any existing SMFCU Christmas Club accounts are not eligible.

Prize Drawings between 9am – 5pm for Black Friday Survival Kits!

Automatically entered for a chance to win one of five prize drawings when you apply for one of the Merry Monday Specials above.



APR = Annual Percentage Rate, APY = Annual Percentage Yield


Go to main navigation