True Car Auto Buying Program True Car Auto Buying Program

Protecting what matters most

We know that when it comes to the important things in your life, you’re willing to protect them at all cost. And that is how we feel about your accounts with Sarasota Municipal Emp CU. We have staff and technology keeping your money safe all day, every day.

Call, click, or stop by to find out how we can help assure you that your money is protected by industry experts who have implemented best security practices to safeguard your money.

Have questions? Visit or click “Help” at the top of the screen to discover all the great ways that Sarasota Municipal Emp CU can help you today!

Make Black Friday A Little Bit Brighter

Be thankful this holiday season with a great loan rate!  Whether you’re going shopping on Black Friday, getting ready for a vacation, or planning another big purchase.  We’re here to help you make your Black Friday a little bit brighter!  Call, click or stop by our credit union to ask us how we can help. Call us or visit our website to learn more about how we can assist you today!

Debit Card Contest

Use Your Debit Card* for a chance to win an Apple® iPad® Mini! Your Debit Card is simple to use and more widely accepted than checks, easier to qualify, because you use your own money, and safe – there is no need to carry a lot of cash or a checkbook. Every time you use your debit card with a signature you will be entered for a chance to win an Apple® iPad® Mini.
*Signature-Based Transactions Only

One (1) Prize Winner will be selected on or about December 6, 2015 by a random drawing from all qualified entries received by a participating credit union between October 1, 2015 and November 30, 2015. Each time an eligible member uses their Debit Card with their signature during the contest period they will be entered in the contest allowing for multiple entries. PIN-based transactions will not be entered in the contest. See your credit union for complete details, including contest rules, restrictions and alternate method of entry. Void where prohibited by law.

Want More Time For What’s Really Important?


Thanksgiving Holiday

We will be closed Thursday, November 26, 2015 and Friday, November 27, 2015. Our staff here at SMECU would like to wish everyone a fun and safe Thanksgiving. We will re-open Monday, November 30, 2015.



Special Car Promotion

You can either shop at your favorite dealership and recieve our discounted rates OR Click on our Member Showroom and search on ourNEW Auto Buying Service, purchase through the site and finance with us, you will receive the same discounted rate PLUS a $75.00 CASH BONUS provided by our new partner TrueCar
Auto Buying Experience

Amazing Credit Card Promotion

Extended Hours

Extended hours have arrived!!!  You can call us up to 8 p.m. M-F and 8 a.m – 5 p.m. on Saturday.


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.

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!