True Car Auto Buying Program True Car Auto Buying Program

Enroll in It’s Me 247 Bill Pay for a chance to win a Bose Wireless Soundtouch


One (1) Prize Winner will be selected on or about September 4, 2017 by a random drawing from all qualifed entries received by a participating credit union between July 1, 2017 and August 31, 2017. You may incur a monthly service fee for Bill Pay. 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. No purchase necessary.

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4 Day Car Sale

Thursday, July 13, 2017 – Monday, July 17, 2017

Credit Union will be open on Saturday July 15, 2017 from 9 am to 1 pm for applications, closings and disbursals.  No teller transactions will be conducted on Saturday.

All vehicle loans are lowered by up to .50% APR for purchases of new/used vehicles and refinances from other Financial Institutions.  Not applicable on vehicle loans currently financed with SMECU.  

It’s also Member Appreciation Day on Saturday, July 15th and Monday, July 17th.  We will be serving:

Saturday, July 15th

9 am to 1 pm – Coffee, Cookies, Muffins and Donuts

Monday, July 17th

9 am to 11 am – Coffee, Donuts and Muffins

11 am to 3 pm – Grilled Hamburgers and Hot Dogs, Pasta Salad, Chips, Water and Cake

*APR=Annual Percentage Rate.  Minimum APR = 1.99%. Not all buyers will qualify. The rate you qualify to receive may vary depending upon on individual credit history, age of vehicle and underwriting factors.  Up to 115% financing available including tax, title license to qualified borrowers.  All Credit Union loan programs, offer, rates, down-payment requirements, terms and conditions are subject to change without notice.  Automatic deposit of your paycheck AND automatic debit of loan payment required to qualify for the lowest rate.  Offer valid for sale vehicles on applications submitted to the Credit Union from July 13 – 17, 2017.  Loans must book by July 24, 2017. Cannot be combined with any offers or promotions.

** – For the 60 days to first payment, interest accrues from the date of the contract.  Must have a credit score of 655 or higher to qualify for 60 days to first payment option.  

*** Member Appreciation Sweepstakes.  Total of one (1) Car Care Basket will be drawn.  Maximum number of entries is one.  The odds of winning may vary depending on the total number of referrals and mail in entries received.  If one entry is received per member, the chances to win are 1 in 2,344.  No purchase or payment is necessary to enter.  You may also enter the sweepstakes by mailing your name, address, phone number and email address to Sarasota Municipal Employees Credit Union, c/o Sweepstakes, 1558 1st Street, Sarasota, FL 34235.  Entries are accepted up to and including Monday, July 17, 2017.  Not valid with any other promotion or offer.  Sweepstakes is open to members of Sarasota Municipal Employees Credit Union (“SMECU”).  SMECU Employees, Volunteers and Immediate Family/Household Members are not eligible to enter.  Winner will be notified by mail and email on Wednesday, July 19, 2017. 

Shared Branching

Shared Branching

Beginning on March 1, 2017, you can visit other credit union locations around town or nationwide to access your accounts at Sarasota Municipal Employees Credit Union.  Click on the banner above to find the closest location to you.

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.


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

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