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Keep Your Accounts Safe

ACCOUNT SECURITY Keep your account information safe! Criminals are finding new and clever ways to access your account information and money. Be suspicious of anyone calling you requesting access to your account information or Online Banking login. When in doubt – CALL US IMMEDIATELY AT 800-464-5987! Protect your ACCOUNTS Avoid opening emails from unknown senders. […]


SMW 104 FCU MISSION STATEMENT: Empowering our union community in achieving financial stability.   Community Development: As a Community Development Financial Institution, SMW 104 FCU is passionate about improving the financial wellbeing of underserved communities by providing affordable and responsible products and services, empowering financial education and counseling, and community engagement that fosters asset building […]

60th Anniversary


New Branch Location

WE’RE MOVING! It’s almost here! We’re excited to announce our move to the new location at 3156 Constitution Drive, Livermore, CA 94551. You can look forward to a bigger branch and a more convenient and accessible location. IMPORTANT INFORMATION CURRENT BRANCH WILL BE CLOSED at Noon on June 16th, & all day June 17th REOPEN […]

Top 3 Things Ruining Your Credit Score

1. Too Many Hard Inquiries A “hard” credit inquiry occurs when you apply for a credit card or loan. This is different from a “soft” inquiry which is part of a background check or pre-approval and does not affect your score. If you apply for several loans or credit cards in a short amount of […]

Online Banking Coming Soon!

NEW ONLINE BANKING NOW AVAILABLE!! Our new new online banking platform is live and is here to make it easier for our members! With a whole new look and functions, accessing your account has never been easier. So What’s New? NEW FEATURES A modern, consistent look and feel across all your devices, simplifying how you […]

Improve Your Credit

TIPS TO IMPROVING YOUR CREDIT Evaluate your budget Instead of applying for more credit to get additional money, take a hard look at your budget. Figure out ways to cut out unnecessary spending and try to make bigger payments to current credit card bills and loans. Larger payments will reduce the amount of interest you […]

“Bank” From Anywhere

ONLINE OPTIONS WHILE YOU’RE ON THE GO Being a member of SMW 104 Federal Credit Union means you have the ability to do your banking from anywhere in the country. When a branch office isn’t a convenient option, we’ve got your back! Online banking and mobile app services are available 24/7. Through these digital services, […]

New Budget Tools

WE’VE GOT THE TOOLS TO HELP Spending money can’t be avoided. You NEED to pay for food, clothes, housing, utilities…and the list goes on. What happens though when you start spending more than you have? It’s called overextending yourself or living above your means, and it’s not uncommon. A 2017 study by said that […]

Should I Refi?

LOAN AND REFINANCE OPTIONS Raise your hand if you’d like to save some money this year! If your hand is raised (and why wouldn’t it be?), we’re happy to tell you that SMW 104 Federal Credit Union can help you put more of your hard-earned cash back into your pocket. Refinance Current Loans Did you […]