Online Banking Login

Mortgage/Home Equity Loans

Mortgage/Home Equity Apply Here



New: SMCTFCU Mobile Banking App

Are you looking for Mobile Banking on your smart phone or tablet?

We have an app for that!

Go to The Google Play Store, Itunes, or your Apple App store on your mobile device and search for “smctfcu”.  Once you have downloaded the app, you sign in just like you do on your computer to access internet banking.  Also, through this app you can now deposit checks using your smart phone or tablet! 

If you are not signed up for internet banking, do so today by downloading the form from our “forms” tab and submitting it to us.  Once you are signed up, you will be able to use the app.

Also, if you would like to receive your statements electronically, you may do so by clicking on “E-statements” within the internet banking site.

Check Out Our Great Car Loan Rates

Check out our great car loan rates

New car loans at 3.90% for up to 72 months

Used car loans (2015-2018) at 4.90% for up to 60 months

***Ask if you qualify for a .5% rate reduction ***

See rates section for more details. Pay 10 months or 12 months a year.
Call today for an application or e-mail us at


Surcharge Free and Worldwide ATM Locations

Surcharge Free ATM Locations

Your cards can be used at thousands of Allpoint and MoneyPass surcharge free ATM machines.

Click on the following links to find the locations most convenient to you.

Allpoint surcharge free locations

MoneyPass surcharge free locations

Worldwide ATM Locations

Click on the following link to find worldwide locations where your STAR/Visa Debit Card can be used. These are not necessarily surcharge free

Worldwide ATM machines locator

Money Management Savings

Tiered Money Management Savings

Our policy for our new tiered Money Management Savings Account can be found by clicking on ACCOUNTS. This type of account is being offered to provide our members with a higher yielding savings account. Offering a higher paying dividend rate on the tiered Money Management Savings will cause slight reductions in dividends being paid on your other share savings accounts (accounts RG – 06). This sub-account, 07, must be established at your request and monies deposited to it in order to benefit from the higher dividend rates.

Click on RATES at the top for current terms and rates for cds

E Statements


To apply for E-statements, sign in to internet banking and click on E-Statements on the left

If you need to access your 2013 through 2015 e-statements, click here to access the old EZ statement site: My EZ-Statement

Online Bill Pay

Online Bill Pay

Our new online bill pay system is now available! Through this system you can enter and save all of your monthly bills to conveniently pay them from one place. No more writing checks and paying for stamps! No more signing onto multiple websites to pay each bill! Sign up and start saving your valuable time and money.

To access online bill pay you must sign in to Internet Teller by clicking on the ONLINE BANKING button at the top of this page. Once you are logged in to Internet Teller, the Online Bill Pay link is on the left sidebar. Click on that link to enroll.. You will choose your user name and password when enrolling.

If you are not currently enrolled in online banking you must do that before you can enroll for online bill pay. Click on the forms link at the top of the page and download the online banking form. Submit the form to the credit union and we will enroll you for online banking.

Please make sure you use your 10 digit checking account number when enrolling. (Your account number is micro-encoded on your check and begins with 27)

To view how the online bill pay system works, please click on the link below. After you watch the tutorial, you may also try a demo of the system.

Bill Pay Guided Tutorial

Order Your Checks Online

Reorder Your Checks Online From Main Street Inc. – our preferred provider

Click this link to: Order Checks

Secure, Fast Ordering – Reordering checks online from Main Street Inc. is as safe and secure as ordering them in person or over the phone.

The site is Verisign secure and TruSecure certified, so your transactions and account information are safe and completely confidential.

Visa Debit Cards

Visa Debit Cards

Click on: APPLICATION to download a PDF file of an application for a Southern Middlesex County Teachers FCU Visa Debit/ATM card (with an attached User Agreement and Disclosure). You can use this card to make signature purchases wherever Visa is accepted AND to make pin based withdrawals, deposits or transfers at an ATM machine with a Star/Plus logo or to make pin based point of sale purchases. All purchases will be directly debited from your checking account, therefore you must have a checking account with us to have one of these cards. If you are interested in obtaining a Visa Debit/ATM card, please complete the downloaded application and mail or bring it in to us. Please detach the User Agreement and Disclosure and keep for your records. We will process your application and the card will be sent to you in the mail. If you currently have an ATM card, the Visa Debit/ATM card will replace it. The original ATM card will be deleted from the system after activation of the new card. Note: If you currently have an ATM card and do not wish to obtain a Visa Debit/ATM card do nothing. If you have no type of card with this credit union and wish to obtain only an ATM card, contact the credit union for an ATM only card application.

Your Visa debit card is protected by Verified by Visa. It password protects your card for free when shopping online. The next time you shop online at participating stores, enter the information requested to activate your card in order to complete the transaction. Or, set up your password ahead of time by going to

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