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South Metro

2573 CREDIT UNION DR, Prior Lake, MN 55372
NCUA Insured3.5 (45 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1993

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

2573 CREDIT UNION DR

Prior Lake, MN 55372

Service Area

This credit union is located in Prior Lake and serves members in the MN area. Currently serving 4,931 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

6.24%

Used Auto Loan

7.39%

Personal Loan

10.23%

Credit Card APR

14.03%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in MN

Lowest rates currently reported by credit unions in MN (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(2 total)

Member Reviews

3.5

45 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Laura Omaha

Laura Omaha

a year ago

ATM machines are always down. Multiple locations too, not just one. Online app is very slow with up to min pending transactions. I honestly feel like this bank steals money from my account this way. Nothing huge, but small dollar amounts here and there where my total available amount is always different from what I figured. I have other bank accounts and am great at math and don’t have this problem with these other banks. Mobile deposit with a check is not available for funds right away, even if it’s processed during a normal business day and hour from the same South Metro bank. It’s unfortunately one of the most headache of a credit union, not personal at all, just steals your money kind of bank.

Angela S

Angela S

3 years ago

AVOID!! I really wanted to like South Metro but 7 years later I continue to have problem after problem with them. I can never get a card set up properly with the system they require to use to set it up. I can never get anyone on the phone to actually answer my questions or help me. They do not have hours that allow me to go in and refuse to help. There is one woman in particular that is absolutely the rudest person every single time I work with her. The app never works. They charge you to close an account. When I opened a separate account I gave the 2 $20 bills but they only put $10 in one account and $25 in the other and told me I never gave them $40. I took it directly out of the atm! I regret ever coming to this bank! DO NOT USE THEM!!

Jesse Boggs

Jesse Boggs

9 years ago

My wife and I opened a Checking and savings account several years ago after 2 unnamed banks had found ways of charging for overdrafts in very creative ways. We have never had any issues like this since we have opened our account with South Metro. I can't tell you how happy I am with the service I received from both Jamie and Megan when we opened an auto loan. They worked with me to find the best payment to fit my budget and were very understanding of my credit situation. Most banks have lost their ability to work this close with the client.

Larry Ernst

Larry Ernst

3 years ago

yes, the staff upon opening a new account were very polite & friendly. left a different credit union because of incredibly poor customer service. In trying to set up to view online has not been a very good experience. got locked out, sent the required msg/email NOTHING for 6 days so now a phone call is required. I guess in this day & time we just resign ourselves to poor help and substandard service. I received the information I needed to set up the account online but the prompts to ask for and receive statements is just sooo bad I gave up. printed myself, hoping that the teller was right in saying I will get mailed statements. It is really getting harder and harder to have any sort of trust once you have been lied to.

Ed Lund

Ed Lund

2 years ago

Jamie S. is an absolute ROCKSTAR lending specialist. Not only does this credit union offer competitive rates for well qualified buyers, but their customer service is also top notch. I was working with a few other credit unions trying to get a quick loan together so that I could purchase a private sale boat that was a great price out of state the next day. Everyone else kept dropping the ball, but Jamie understood that my loan was time sensitive and got me a check so quick that I couldn't believe it. She has since also helped me on a vehicle loan as well and that went even quicker since my information was already in the system. Thank you, Jamie and SMFCU, I will definitely recommend your services to any friends looking for lending options.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).