Security First Credit Union Lapeer MI | Quick Personal Loans & ATM Access

Introduction

Welcome to Security, your trusted financial partner located at 1675 N Lapeer Rd, Lapeer, MI 48446. Established in 1955, we have proudly served our community for over six decades, building strong relationships with our 52,618 members. With total assets reaching an impressive $639,832,112, we are committed to providing robust financial solutions tailored to your needs. At Security, we believe in putting our members first. Our dedicated team of 164 employees works tirelessly to ensure you receive the best service possible. Under the leadership of CEO Jay Yax and Board President John Truchan, we strive to create a welcoming environment that fosters trust and reliability. We offer a wide range of services from checking and savings accounts to auto loans, mortgages, and business banking solutions. With total deposits of $9,885,244 and a net worth of $62,703,520, you can rest assured that your money is safe with us. Plus, our commitment to helping members grow their financial wellness is reflected in our total loans amounting to 29,134. While members can visit us at our branch location for all their banking needs, feel free to explore more about us on our website here. If you have any questions or need assistance, don't hesitate to give us a call at 810-235-2322. Join us today and experience the difference that a community-focused credit union can make in your financial journey!

Branch History & Mission

Community Focus

Security isn't just about numbers; it's about people. We are committed to giving back through various outreach efforts that support local initiatives and charities. By fostering partnerships within the community, we aim to make a lasting impact beyond just financial transactions. In today's digital age, we've also made strides in improving accessibility with online banking options and mobile applications available for all members. Whether it's managing accounts or applying for loans online, we ensure that financial management is simple and straightforward. Join us at Security and experience firsthand how we can help you achieve your financial goals while being part of something greater within our vibrant community. Together, let's build a brighter future! For more information about membership or services offered, please call us at 810-235-2322 or visit our website at www.securitycu.org.

Our Mission

At the heart of Security's mission is a commitment to empowering our members with the financial tools they need to thrive. We strive to provide accessible services that cater to all aspects of personal finance while maintaining a strong focus on community support. Our goal is not only to help you manage your money but also to foster relationships that uplift our community. We believe in the importance of being there for our members during critical moments in their lives whether you're buying your first home or starting a new business venture. With operating hours designed for your convenience 9 AM to 6 PM on Mondays and Fridays, 9 AM to 5 PM Tuesday through Thursday, and 9 AM to 12:30 PM on Saturdays we're here when you need us. While you can visit us at 1675 N Lapeer Rd, official correspondence should be sent to Lapeer MI 48446 if applicable. Our branch features an ATM and drive-thru service for easy access to your banking needs.

Branch Location & Accessibility

Accessibility Features

We understand that accessibility matters. Our branch is ADA compliant, featuring ramps and designated parking spots to ensure everyone can enjoy a comfortable visit. Whether you're stopping by for a quick transaction or to explore our range of financial services, you'll find that we prioritize ease of access.

Banking Services Available

At Security Credit Union's Lapeer Office, we provide a comprehensive range of personal banking services. From checking and savings accounts to auto loans and mortgage refinancing options, our team is equipped to help you navigate your financial journey. Additionally, our drive-thru banking allows for quick deposits and withdrawals without needing to step inside. With ATM availability right at our location, withdrawing cash or checking your balance is just as easy as stopping by for a chat! And if you have any questions or need assistance, feel free to give us a call at 810-235-2322. We invite you to come visit us at the Lapeer Office and experience firsthand how we can support your financial needs. Your community credit union is here for you!

Convenient Operating Hours

Our doors are open to serve you with friendly faces ready to assist. We offer lobby hours from 9 AM to 6 PM on Mondays and Fridays, and 9 AM to 5 PM on Tuesdays through Thursdays. If you're looking to utilize our drive-thru service, we're here for you on Saturdays as well from 9 AM until 12:30 PM. No matter when you choose to visit, we aim to accommodate your schedule.

Member Eligibility

At Security, we believe that everyone deserves a place in our community, and becoming a member is your first step toward enjoying a world of benefits! If you live, work, or worship in the Lapeer area, you're already on the right path to joining us at Security. We welcome individuals who share our values of support and growth, making it easy for you to become part of our family. To learn more about eligibility requirements and what it means to be a member, feel free to visit our detailed page at https://www.securitycu.org/membership/ . Joining is simple! You can open an account online through this link: https://applynow.securitycu.org/ or give us a call at (810) 235-2322 if you have any questions. We're here to help you every step of the way as you make the transition into our supportive community at Security, located at 1675 N Lapeer Rd Lapeer Mi 48446.

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $120 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $77 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $22,691,630, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine being able to accept payments easily, whether your customers are shopping online or in-store. Our merchant services make this possible, allowing you to process transactions efficiently. This means quicker sales and happier customers, giving you more time to focus on what really matters: growing your business. If you're looking for a partner who understands your business needs, visit us at 1675 N Lapeer Rd Lapeer Mi 48446 in Lapeer, MI or call us at (810) 235-2322. Let's work together to make your business thrive!

Comprehensive List Of Services

Business Banking

For small business owners, we understand the unique challenges you face. Our business banking services include merchant services and business loans tailored to help you grow. From managing payroll to securing financing for expansion, we're here to support your entrepreneurial journey.

Convenient Access

At Security, convenience is key. Our drive-thru service allows for quick deposits and withdrawals without leaving your car, while basic ATM access ensures you're never far from cash when needed. With operating hours that accommodate busy schedules open until 6 PM on weekdays and until 12:30 PM on Saturdays you can easily get the service you require. We invite you to experience the warmth and commitment of Security by visiting us at 1675 N Lapeer Rd Lapeer Mi 48446 or giving us a call at (810) 235-2322. Explore how our comprehensive range of services can simplify your financial life today! For more information about becoming a member or opening an account, visit our website or check out our membership eligibility here. We look forward to serving you!

Credit Cards

Enhancing your purchasing power is easy with our credit cards that come with rewards. These cards not only help you manage everyday expenses but also allow you to earn points on your purchases perfect for those who love to shop or travel.

Loans and Financing

For those looking to finance a car, we provide auto loans that make it simple to drive away in your dream vehicle. We offer competitive rates and flexible terms to fit your budget. In addition, our mortgage loans and refinancing options can help you secure a home or lower your current mortgage payments. If you need extra cash for personal projects or debt consolidation, our personal loans are available with straightforward terms.

Personal Banking

Our personal banking services include checking and savings accounts designed for every lifestyle. If you're saving for a big purchase or just want easy access to your funds, our accounts offer flexible options. Imagine being able to check your balance or transfer money right from your phone with our online and mobile banking features. You can also use our ATMs for quick cash withdrawals or balance checks without any hassle.

Digital & Online Banking

Key Features

One of the standout features of our online banking is the ability to set up e-statements. This means you can say goodbye to paper clutter while keeping track of your finances effortlessly. Just log in to view or download your statements whenever needed. Need to send money quickly? Our person-to-person transfer service lets you send funds to friends or family with just a few clicks. It's a convenient way to handle payments for everything from shared dinners to gifts, all from the comfort of your home. For those who prefer mobile banking, our dedicated mobile application offers an on-the-go solution for managing your accounts. Whether you're checking balances or making transfers, everything is streamlined for quick access.

Security You Can Trust

Your security is our top priority. While we do not currently offer electronic signature authorization, rest assured that all transactions through our online services are protected with advanced security measures. You can bank with confidence knowing that your personal information is safe with us. At Security, we strive to make banking accessible and straightforward for everyone. With features like e-statements, person-to-person transfers, and a reliable mobile app, managing your finances has never been easier. Join us today and experience banking that fits into your lifestyle!

Financial Strength

A Growing Community

We value the trust of our community, as shown by our 87,815 total share accounts. This growing member base reinforces our mission to provide personalized service tailored to your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Security is your trusted partner. Visit us at 1675 N Lapeer Rd Lapeer Mi 48446 or call (810) 235-2322 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $91,220,584 in share certificates and $88,161,744 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our commitment to operational efficiency is reflected in our $2,019,765, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 152 full-time employees and 12 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Growth

With $37,354,953 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 $10,802 in used auto loans and $495,158,784 in total loans and leases supporting members' financial goals across various sectors.

Solid Foundation

With a net worth of $62,703,520, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $978 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $169,790,235 in used vehicle loans and $40,175,133 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates to make your car-buying experience as smooth as possible.

Business Loans

For business owners, our outstanding commercial loans totaling $22,691,630 provide the capital needed to grow and expand. We recognize the challenges faced by small businesses and are committed to providing support through tailored financing options. Our friendly team is here to assist you with any questions regarding eligibility or refinancing options that may be available. You can reach us at (810) 235-2322 for personalized assistance. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Visit us at our branch located at 1675 N Lapeer Rd Lapeer Mi 48446, Lapeer, MI, where we are dedicated to providing exceptional service and support for all your lending needs.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $26,314,792, make buying or refinancing simple. We aim to support you through each step of the home buying process, offering tailored solutions that fit your financial situation.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $13,227,570 in loans helping members manage their finances effectively. Our credit cards come with various rewards and benefits that can help you maximize your spending power while staying within budget.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With a focus on transparency and reliability, LendMesh ensures that users can navigate the lending landscape with confidence. Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This commitment to accurate sourcing guarantees that all loan offers presented are fair and transparent, allowing users to make informed decisions without hidden agendas. One key benefit of using LendMesh is its Verified Data feature. All loan offers come from legitimate financial institutions, ensuring transparency throughout the comparison process. Additionally, LendMesh stands out by maintaining No Sponsored Listings; lenders are not prioritized based on paid promotions, reinforcing the platform's dedication to providing unbiased results. Users benefit from Real-Time Rate Comparisons, which means they access up-to-date loan rates from multiple institutions, empowering them to find the best deals available. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness of this tool in helping borrowers save money and make better financial choices. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

SECURITY CREDIT UNION - Lapeer, MI