VACATION PAY ACCOUNT CHANGES

Wish you had easier access to your Vacation Pay Fund? You asked, we listened! We are excited to share a new program that we have introduced to make it easier for you to access your Vacation Pay Funds 24/7 online and on the mobile app… basically anytime anywhere. 

Benefits to you:

  • Debit card with the ability to make purchases of up to $2,500 daily limit and pay bills.
  • The Vacation Pay Checking account pays the same dividend rate as the current Vacation Pay Savings Account.
  • Member to member transfers; You can transfer to another SMW 104 Member account.
  • Online banking with 24/7 access including Bill Pay.

SMW 104 Federal Credit Union is a not-for-profit financial institution established in 1962 specifically for sheet metal workers.

We understand the lives, the challenges and the seasonal work of Union workers. We're dedicated to making the financial lives of our members and their families better. We’re here for YOU!

We are A Full-Service Credit Union

Services Designed Just For You​

A Credit Union started by and dedicated to

SHEET METAL WORKERS & THEIR FAMILIES

Unlike other credit unions, we are exclusively focused on serving the specific needs of Union sheet metal workers and their families…it’s all we do, and we love it! Credit unions and unions share the same values: Working together, encouraging collective action, protecting the general welfare of its members, and helping to prosper together.

NEW AUTO

as low as

0 %APR*

USED AUTO

as low as

0 %APR*

VISA CREDIT CARD

as low as

0 0%APR*

HELOC

as low as

0 .00%APR*

We’ve Got Your Back

NO MATTER WHAT...
WE KNOW LIFE HAPPENS

Our Members Believe in Us

Here Is What They're Saying

You don’t have to have a perfect credit score

TO Achieve your dreams

Whatever You Need...We Can Help!

Built By you, For you!

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Your Back

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