True Car Auto Buying Program True Car Auto Buying Program

Mapping A Course For Your Life

Whether you’re in high school or getting ready to retire, we have great products and services to help you map out your future. We know at Western Districts Mbrs CU, that there are many destinations on the journey of life. So no matter if you’re looking for a loan or a way to make your money grow faster, we’ll help you get there.

Call, click, or stop by to learn more about how we can help you map the course for your life! Visit today.

Email Collection Contest

Enter your email for a chance to win a GoPro!

Visit It’s Me 247 Online Banking. Click “Info Center” then under “My Preferences” click on “Personal Information” and enter your email, or submit your email address to a participating credit union staff member for entry.

One (1) Prize Winner will be selected on or about March 6, 2015 by a random drawing from all qualified entries received by a participating credit union between January 1, 2015 and February 28, 2015. Eligible members can enter the contest by entering their email address in It’s Me 247 online banking. No purchase necessary. See your credit union for complete details, including contest rules, restrictions and alternate method of entry. Void where prohibited by law. Terms and Conditions may apply.

Say Hello To Possibilities

With a new year comes a fresh start, which makes the possibilities endless for 2015.

For whatever you have planned for 2015, and to cover those unplanned events, we have loan services that will meet your needs. We take pride in providing our members with excellent loan options, low rates, easy terms, an easy application process and quality member service.

We are ready to serve – call, click or come in to see what we can offer you, today!

Prepare For What is Next


CEO Letter to membership 2015

As 2014 ends and 2015 begins, I find myself wondering how many of our members are actually aware of all the great benefits SMECU provides for FREE and why we’ve chosen to do so. So, I decided to ask:


  • We offer FREE identity theft protection on every primary member through a partnership with IDSafeChoice. No matter where or how your identity may have been compromised let us know and IDSafeChoice will assign an advocate to work with you. They don’t just mail you a large package of forms; they actually do the leg work that you don’t have the time to do on your own.
  • We offer a FREE on-line car buying program powered by This program will help you find the car you want, new or used, at a guaranteed price before you ever set foot in the dealer’s showroom.
  • Our FREE on-line banking is extremely user friendly and gives you access to your accounts 24/7 no matter where you may be.
  • Our Bill Pay program is also FREE as long as you pay at least one bill each month. You can set up payments whenever you wish, even in advance with a future pay date or a recurring payment to start and stop on specific dates or after a specified number of payments. To top it all off, researching payments has never been easier.
  • We offer unlimited FREE ATM withdrawals from any 5th 3rd Bank location nationwide as well as five additional FREE withdrawals from any Publix ATM each calendar month.
  • We also offer FREE financial counseling through GreenPath. They can help you understand your credit report, what you would need to be able to purchase a home, work with your creditors to set up a debt management program, help you establish a workable budget and much, much more; all on a confidential basis of course.

These benefits are offered year round because we are a not-for-profit membership organization and we want to take care of our members the best way we know how; financially. It’s also our way of saying thank you for the trust you’ve put in SMECU and for giving us the privilege of serving you in 2014. We look forward to being able to assist you again in 2015.

Credit Card Promotion

Start off your 2015 with our Annual Balance transfer, with a GREAT fixed rate and NO balance transfer fee. SME-2015VisaTransferInsert SME-VisaBalanceInsert

Mission Statement

The purpose of this Credit Union is to encourage thrift,create sources of credit and provide an oppportunity for its members to use and control their resources.

Notice of Change to the Terms and Conditions of your account with us.

Due to changes in the regulations that govern credit unions or in changes to our services and products, SMECU must update the Terms and Conditions of your account from time to time.  Please click on the following link to read the updated Terms and Conditions of Your Account, presented in a printable PDF format:   Terms and Conditions

ID Safe Choice

How close do you monitor your accounts?  Let ID Safe Choice do it for you. It is inexpensive $1.25 a month and this covers your entire family (kids in college, family member in nursing home, and anyone living at home.) Check out our other Great products we offer!

Follow us on Facebook!

Sarasota Municipal Employees Credit Union is now on Facebook!  Let all your friends know you support your Credit Union by “Liking” us today!  Just click on the Facebook button underneath our banner to the right on this site to see our new Facebook page.