Budgeting Tools

In addition to providing financial products, South Metro Federal Credit Union aims to provide services and education enabling you to achieve personal and financial goals. We’re here to help improve your quality of life.

South Metro Federal Credit Union Budgeting Tools


The loan calculator below is intended as a guideline only. Actual principal amount or payment amount may vary. Call the credit union for details.

Loan Calculator

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*Not a guarantee of credit

Click here for a more detailed loan calculator.

Need More?

In addition to member discounts, LoveMyCreditUnion.org has a resource center with lots of free financial advice and additional calculators.

Visit LoveMyCreditUnion.org.

South Metro loans

Whether you need a car, a mortgage, or another loan option, South Metro is the place to start.

For Members Only

Get exclusive credit union discounts on things you use every day. Visit LoveMyCreditUnion.org for more information. It’s all free for our members! Sprint IIA Talk About Savings For example, the Sprint Credit Union Member Discount Plan includes:

  • 10% off most regularly priced Sprint individual service plans
  • 15% off most regularly priced Sprint business service plans
  • Waived activation fee on new activations
  • Waived upgrade fee
  • Available to new and existing Sprint customers

Visit LoveMyCreditUnion.org

Valleyfair! discount tickets 

Save on a daily Valleyfair! admission by purchasing your tickets at South Metro Federal Credit Union.

Minnesota Zoo

Stop by and pick up your Minnesota Zoo 20% off discount admission ticket. The Ticket is also good for $1 off each persons admission to the IMAX theater located on the Zoo Complex in Apple Valley.

The legend of the 16th century comes to life at the Minnesota Renaissance Festival. A successful blend of lively entertainment, unusual foods, unique crafts and family fun, this event blends all the ingredients for a 16th century amusement.

Located in Shakopee, the festival runs for seven fun-filled weekends every August and September. Rain or shine and FREE parking.

When you join, you become a member/owner of the Credit Union and annually elect its Board of Directors. You are eligible to serve on key committees; and you have a direct voice – a vote – in how the organization is run. We return our profits to our members in the form of better rates and fewer fees on our services, which include:

  • Safe Deposit Boxes
  • Money Orders & Wire Transfers
  • Securities signature guarantees
  • Notary Service – When you need a signature guarantee certification, SMFCU can provide that for you on your bonds, security or financial instruments.

Did You Know?
Your money is SAFE with our deposit insurance at no cost to you, the depositor. Your deposits are insured up to $500,000 through the combined coverage of the National Credit Union Administration (NCUA), an agency of the U.S. government, and Excess Share Insurance (ESI).

TruStage™ Insurance

Your membership at South Metro Federal Credit Union affords you many benefits. As a part of our family, you can get valuable accident insurance protection at affordable group rates.

The TruStage™ Auto and Home Insurance program offers fast, easy access to property and casualty claims 24 hours a day. And of course there’s convenient e-service to pay your bill or make changes to your policy, even report a claim.

Get your free quote today or call 1-855-483-2149.

TruStage™ Auto and Home Insurance program is offered by TruStage Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union. MAH-1112-7C9E

Financial hardship is one thing your family doesn’t need to worry about if the unexpected should occur. Accidental Death & Dismemberment (AD&D) insurance insures you if you lose your life or a limb in an accident.

For an affordable rate, you can get up to $300,000* of protection. No medical exams are required, and coverage is guaranteed as long as premiums are paid.

Help protect yourself and your family by enrolling in TruStage™  Accidental Death and Dismemberment coverage today.

Get your free quote today or call 1-855-612-7911.

** Benefits described may vary by state and product availability through your financial institution.

SouthMet Testimonials

By switching to South Metro Credit Union, we were able to save $43,000 per year by customizing their services to fit our needs. - Scott

Free Online Tools

SavvyMoney.com is a free, anonymous source to help you assess your financial situation. You’ll be asked several questions about your income and debt. In return, you’ll receive a financial analysis including strategies to keep your finances moving forward.

Visit SavvyMoney.com.

Start building your financial journey here! CreditUnionsRock.com is a free resource for financial saving, spending, planning, budgeting, and much more. This is a great first step towards lifelong control of your money.

Go to CreditUnionsRock.com

In addition to member discounts, LoveMyCreditUnion.org has a resource center with lots of free financial advice and additional calculators.

Visit LoveMyCreditUnion.org.

South Metro loans

We bring competitive rates, fewer fees, and a more personal approach to lending. Get your next loan at South Metro.

Travel Advice

SMFCU is part of a network of credit unions across the nation offering members more convenience by sharing locations. You can access your account and funds from any of the CO-OP Shared Branches. There are no additional fees to use one of our shared branches.

Find a Shared Branch.

eZforex.com provides a safe and secure way to pre-purchase your foreign currency for 100+ countries without paying exorbitant fees found in airports, hotels and currency exchange outlets found throughout the world.

Visit eZforex.com.

Get there. Start here.

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Need Help?

Call 952-445-0888 to contact us. We're eager to help!