Kiss Your Payment Goodbye!

If the holidays aren't showing your budget any love, turn to SMW Financial Credit Union. We'll let you skip your November, December, or January loan payment, so you can break up with financial stress this winter season.

To take advantage of Skip-A-Pay, simply click here (or use the botton below) and complete the instructions. Please note the following:

  • There is a $35 fee to skip your payment.
  • We must receive your confirmed Skip-A-Pay request at least seven days prior to your loan payment due date.
  • Some loan types are excluded from this offer. Refer to the Skip-A-Pay registration form for details.

Sign Up Now!

Questions? Give us a call at 651-747-1500. Hurry- Offer ends Janurary 31st, 2020!


Electronic Loan Payments

Log into online banking at and make FREE payments by transferring funds from your SMW savings or checking account to your installment loan. To enroll in online banking for the first time go to the home page and click on "Enroll". Installment loans would be vehicle loans, boat, motorcycle, ATV's, personal lines of credit, and home equity loans.

The easiest way to make ongoing loan payments is to set up an automatic payment from your SMW savings or checking to pay your loan each month. You can also have your loan paid from another financial institution checking account automatically or use bill pay. There is no charge for this service. Call (651) 747-1500 to set up an automated clearing house (ACH) payment. 

Credit or Debit Card Loan Payments

You may make your SMW loan payment electronically with your Visa® or Mastercard® online. You will need to enter your member number and the last 4 digits of your Social Security Number.

For payments by debit card or e-check there is a fee of $4.95.

SMW FCU Platinum Visa Account Payment

To make your free SMW Financial Platinum Visa payment, please register at

SMW Mortgage Loan Payments

We partner with two Mortgage Servicing companies; Superior Financial and TruHome Solutions. Your monthly mortgage invoice will tell you which one is specific to your mortgage. 

To register online and make your monthly payments electronically to Superior Financial, go to You will need your mortgage loan number (it is on your statement and closing documents) and you will need your social security number. If you have questions, please call (800 934-5064). 

To register online and make your monthly mortgage payments electronically to TRUHOME SOLUTIONS, use this web address

If you are unsure which one to use, just give us call at (651) 747-1500. We are standing by to help.