Mutual Security Credit Union Ridgefield CT | Affordable Auto Loans & Business Banking

Introduction

Welcome to Mutual Security, your trusted partner in financial wellness, located at 900 Ridgebury Rd, Ridgefield, CT 06877. Since our establishment in 1982, we have been dedicated to serving our community with exceptional financial services tailored to meet the unique needs of our members. With a robust membership base of 26,885 and total assets exceeding $353 million, we pride ourselves on our commitment to helping you achieve your financial goals. At Mutual Security, we're more than just a credit union; we're a family. Our team, led by CEO Henry Baum and Board President Bruce Likly, works tirelessly to ensure you receive the best support and resources possible. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we have solutions that can fit every stage of your life. We also understand the importance of convenience, which is why we offer online and mobile banking services that allow you to manage your finances anytime, anywhere. Whether you need to access funds through our ATM or explore various loan options totaling over 13,646 loans we're here for you. While members can visit us at 900 Ridgebury Rd, official correspondence should be sent to our mailing address: 900 RIDGEBURY RD, RIDGEFIELD, CT 06877. For any inquiries or assistance, feel free to reach out at (203) 798-4321. We're excited about the opportunity to serve you and help you navigate your financial journey with confidence. Explore how Mutual Security can make a positive impact on your financial future today! Visit us online at mutualsecurity.com or drop by our branch we look forward to welcoming you!

Branch History & Mission

At Mutual Security, our journey began in 1982, when we first opened our doors at 900 Ridgebury Rd, Ridgefield, CT. Since then, we have been dedicated to serving our community with a strong commitment to both financial growth and social responsibility. Over the years, we have evolved significantly, growing from a small branch into a trusted financial institution that now boasts a membership of over 26,000 individuals and total assets reaching an impressive $353,816,344. Our mission is simple yet profound: to provide our members with exceptional financial services while fostering a spirit of community support and engagement. We believe that everyone deserves access to quality banking options, whether it's personal checking accounts, auto loans, or credit cards with rewards. More importantly, we aim to empower our members through financial education and resources that can help them achieve their dreams. While members can visit us at 900 Ridgebury Rd Ridgefield Ct 06877, official correspondence should be sent to 900 RIDGEBURY RD, RIDGEFIELD, CT 6877. We take pride in being more than just a bank; we're a part of the fabric of Ridgefield. Our location is strategically placed near local landmarks that make it easy for you to reach us whenever you need assistance. Our operating hours are designed to accommodate your busy lifestyle: on Monday, Wednesday, and Friday from 8:30 AM to 10:30 AM; and on Tuesday and Thursday from 2:00 PM to 3:30 PM. While we currently do not offer drive-thru banking services, we ensure convenient ATM availability for quick cash withdrawals and balance checks. As technology advances, we strive to keep pace by offering online and mobile banking options that put control in your hands. You can manage your accounts anytime and anywhere with ease. Additionally, we remain committed to ADA compliance so that all members can enjoy our services without barriers. Community outreach is at the heart of what we do. We actively partner with local organizations and initiatives that uplift those around us. Whether it's sponsoring educational programs or supporting local events, Mutual Security believes in giving back and making a positive impact. We invite you to join our family at Mutual Security. Experience the difference that comes with being a member of a credit union that truly cares about your financial well-being and the community's future. Together, let's build a brighter tomorrow! For more information or to get started today, call us at (203) 798-4321 or visit our website at Mutual Security.

Branch Location & Accessibility

Accessibility Features

At Mutual Security, we prioritize making banking simple for everyone. Our branch is designed with accessibility in mind, featuring ramps and ADA-compliant facilities so that all members of our community can visit us comfortably. You'll find ample parking available right outside, making it easy to pop in for a quick transaction or a longer consultation.

Operating Hours

We know that everyone has busy lives, which is why our operating hours are designed to fit your schedule. You can visit us on Monday, Wednesday, and Friday from 8:30 AM to 10:30 AM, or on Tuesday and Thursday from 2:00 PM to 3:30 PM. If you need assistance outside these hours, feel free to give us a call at 203-798-4321; we're always here to help!

Services Offered

Our branch offers a range of services tailored to meet your financial needs. Whether you're looking for personal banking options like checking and savings accounts, or need assistance with auto loans and mortgages, we've got you covered. Plus, we provide convenient ATM access for cash withdrawals and balance checks. Although we don't have drive-thru service at this location, our friendly staff is ready to assist you inside. While members can visit us at 900 Ridgebury Rd for all their banking needs, official correspondence should be sent to the same address as our mailing address: 900 RIDGEBURY RD, RIDGEFIELD, CT 6877. We look forward to welcoming you at Mutual Security! Come by and experience personalized banking like never before.

Member Eligibility

At Mutual Security, we believe that everyone deserves a chance to be part of a welcoming community where your financial needs are prioritized. Becoming a member is easy! If you live, work, or worship in the Ridgefield area or are affiliated with one of our partner organizations, you can join us. We're committed to making banking accessible and beneficial for all our members, so don't hesitate to reach out if you're unsure about your eligibility! For full details on membership requirements, you can visit this page. Once you confirm your eligibility, opening an account is a breeze! You can start the process by visiting us at 900 Ridgebury Rd, Ridgefield Ct 06877, or give us a call at 203-798-4321 for any questions. Our friendly staff is here to help guide you through each step and ensure that becoming part of our family is as smooth as possible. Welcome to Mutual Security where we look forward to supporting your financial journey!

Business Banking & Commercial Services

Lending Solutions for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Work for You

In addition to our loan offerings, we provide essential merchant services that simplify payment processing. Whether you're a small shop or a growing company, having reliable payment options can make all the difference. Our services help ensure you get paid quickly and efficiently, allowing you to focus on what matters most growing your business. Located at 900 Ridgebury Rd Ridgefield Ct 06877 in Ridgefield, CT, we're here to partner with you every step of the way. Contact us at (203) 798-4321 to learn how we can help your business reach its full potential!

Comprehensive List Of Services

Credit and Business Solutions

At Mutual Security, we believe in rewarding our members through our credit cards with rewards program. Enjoy benefits every time you make a purchase while building your credit history. For local entrepreneurs, our business banking services include merchant services and business loans designed to fuel growth and streamline operations. We understand that managing finances can be complex, so we aim to simplify these processes for you.

Digital Convenience

We recognize the importance of convenience in today's busy world. Our online and mobile banking platforms allow you to manage your accounts anytime and anywhere. With features like mobile payments and person-to-person transfers, you can easily send money to friends or pay bills on the go. Need cash? Our ATM and cash withdrawal services are available for quick access to funds. Plus, basic ATM access makes it easy to check balances or withdraw cash when you're out and about.

Personal Banking

Our personal banking services include checking and savings accounts that cater to everyday needs. Imagine having easy access to your funds while earning interest on your savings this is just one way we support your financial journey. If you're considering a new vehicle, our auto loans and vehicle financing options make it easy for you to get behind the wheel without the stress of complicated terms. We also offer mortgage loans and refinancing, helping you secure a home or adjust your current mortgage to better fit your budget. For those looking to consolidate debt or fund personal projects, our personal loans provide a straightforward path forward without hidden fees or confusing requirements.

We're Here for You

At Mutual Security in Ridgefield, CT, we're more than just a financial institution; we're your partner in achieving financial wellness. Our friendly staff is always ready to assist you with any questions or needs that arise. Ready to take the next step? Visit us today or call us at 203-798-4321 for more information about how our comprehensive services can work for you! Explore more about what we offer at our website.

Digital & Online Banking

Convenient Online Banking Services

Our 24/7 online banking services allow you to check balances, transfer funds, and pay bills with just a few clicks. You no longer need to wait in line or adjust your schedule; everything is right at your fingertips. Plus, with the ability to sign documents electronically using our electronic signature authorization feature, you can complete transactions quickly and securely without the hassle of printing or mailing paperwork.

E-Statements for Easy Access

Say goodbye to paper clutter! With e-statements available, you can view your account statements online whenever you need them. This not only helps the environment but also keeps your sensitive information secure. No more worrying about lost mail or unauthorized access.

Mobile Banking Made Simple

For those on the go, our mobile application offers all the features you need right on your smartphone. Whether you're making person-to-person transfers or utilizing mobile payments, banking has never been more convenient. You can easily send money to friends or family in real time without any fuss.

Security You Can Trust

At Mutual Security, your security is our top priority. Our online banking platform is built with advanced security measures to ensure that your personal information stays safe. We strive to provide a user-friendly experience while keeping your data protected. Experience the freedom of managing your finances effortlessly with our comprehensive digital banking services at Mutual Security. Join us today and enjoy the convenience that comes with modern banking solutions!

Financial Strength

Commitment to Growth and Innovation

With $30,796,505 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust; with $4,092 in used auto loans and a total of $313,934,918 in loans and leases available for our members' various needs.

Member-Centric Resources

Members' savings are secured through $85,599,363 in share certificates and $53,669,499 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $3,606,447, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our net income of $0 reflects our operational efficiency during this period of investment in growth initiatives while positioning ourselves for future success. We also take pride in having 73 full-time employees and 1 part-time employee, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Solid Financial Foundation

With a net worth of $31,679,622, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 8.94% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Strong Member Base

We currently serve 26,885 members, demonstrating trust within our growing community. Total Share Accounts stand at 47,485, highlighting the confidence our members have placed in us to manage their finances effectively. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Mutual Security is your trusted partner. Visit us at 900 Ridgebury Rd Ridgefield Ct 06877 or call us at 203-798-4321 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already issued $56,861,655 in used vehicle loans and $37,162,950 in new vehicle loans, helping members get on the road with confidence. Whether you're interested in a brand-new model or a reliable used car, our team is ready to assist you every step of the way.

Credit Lines

For those looking for more flexibility in their borrowing options, we offer credit lines totaling $144,160,570. This feature allows you to access funds when needed without the hassle of reapplying each time. We encourage you to reach out to us at 203-798-4321 or visit us at 900 Ridgebury Rd Ridgefield Ct 06877 for personalized assistance regarding any of our loan products. Our dedicated team is here to help you navigate your options and find what works best for you. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. At Mutual Security, we prioritize transparency and customer satisfaction above all else let us support your journey towards financial success!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We currently offer Junior Lien 1-4 Family Residential Properties loans totaling $15,905,663. If you're considering refinancing your existing mortgage or are unsure about your eligibility for a new one, our experts can guide you through the process and help you find the best solution for your situation.

Unsecured Credit Cards

Managing day-to-day expenses can be challenging; that's why we also provide flexible terms on unsecured credit card loans. With a total of $13,693,974 in loans available, our credit cards come with rewards and features that help you manage your finances effectively while earning benefits along the way.

Loan Aggregator

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Ensuring Accurate Loan Comparisons

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Mutual Security