Security First Credit Union Lapeer MI | Low Mortgage Rates & Business Banking

Introduction

Welcome to Security, your trusted partner in financial well-being, located at 1495 Imlay City Rd, Lapeer, MI 48446. Established in 1955, we have proudly served our community for over six decades, helping our 52,618 members achieve their financial goals. Our commitment to you goes beyond just numbers; it's about building lasting relationships and empowering our members with the tools they need to succeed. At Security, we understand that financial stability is important. With total assets reaching an impressive $639,832,112 and total deposits of $9,885,244, we are well-equipped to support your needs. Whether you're looking for personal banking services like checking and savings accounts or financing options such as auto loans and mortgages, we offer a wide range of products tailored just for you. While members can visit us at our Lapeer branch for face-to-face assistance, you can also connect with us online at www.securitycu.org for convenient digital banking options. Under the leadership of our CEO Jay Yax and Board President John Truchan, our dedicated team of 164 employees is here to ensure that you receive exceptional service every step of the way. With a net worth of $62,703,520 and cash reserves of $10,625,324, your finances are in safe hands. We pride ourselves on transparency and accountability values that resonate deeply within our community-focused mission. So why wait? Reach out today at 810-235-2322 or visit us during our operating hours (Monday & Friday: 9 AM - 6 PM; Tuesday - Thursday: 9 AM - 5 PM; Saturday: 9 AM - 12:30 PM) to discover how we can help you thrive financially. Together, let's build a brighter future!

Branch History & Mission

Community Focus

Beyond banking services, we actively engage in community outreach efforts. We partner with local organizations and initiatives aimed at fostering growth and wellness within Lapeer and its surroundings. By investing back into the community, we aim to make a lasting impact on the lives of those we serve. As technology evolves, so do we. With online banking capabilities available alongside mobile applications, managing your finances has never been easier or more secure. Join us today at Security Credit Union! Experience firsthand how we can help you achieve your financial dreams while being part of a caring community. Visit our website here or call us at 810-235-2322 to learn more about membership options and start your journey with us!

Our Mission

At Security, our mission is clear: we strive to empower our members through accessible financial solutions and unwavering support. We understand that each member's journey is unique, which is why we offer a wide range of products tailored to meet diverse needs be it personal banking services like checking and savings accounts or business banking options designed to help local entrepreneurs thrive. We are also dedicated to making banking convenient and user-friendly. Our branch features both ATM availability and drive-thru services for easy access to cash and basic transactions. We believe in creating an inclusive environment for everyone; therefore, all facilities comply with ADA standards ensuring accessibility for all members of our community. While you can visit us at 1495 Imlay City Rd, any official correspondence should be sent to the same address as there is no separate mailing address. Our operating hours are designed with your convenience in mind: Monday through Friday from 9 AM to 6 PM and Saturday from 9 AM to 12:30 PM.

Branch Location & Accessibility

Nearby Landmarks and Accessibility

When you visit us, you'll find ample parking available right outside our doors. Our branch is fully accessible, with features like ADA-compliant ramps, ensuring that everyone can enjoy a hassle-free banking experience. Whether you're stopping by for a quick transaction or need more in-depth assistance, we aim to make your visit smooth and pleasant.

Operating Hours

We're here to serve you with flexible operating hours: from 9 AM to 6 PM on Mondays and Fridays, and from 9 AM to 5 PM on Tuesdays, Wednesdays, and Thursdays. On Saturdays, our drive-thru is open from 9 AM until 12:30 PM. This means you have plenty of options to visit us at your convenience!

Services Offered

At the Security branch, we offer a wide range of services tailored for both personal and business needs. Whether you're interested in opening a checking account, applying for an auto loan, or exploring mortgage options, our knowledgeable staff is ready to assist you. We also provide basic drive-thru banking for simple transactions like deposits and withdrawals. If you need cash quickly, you'll be glad to know we have an ATM available right at our branch. Plus, with drive-thru service options, getting what you need has never been easier.

Visit Us Today!

Ready to experience friendly banking that puts you first? We invite you to visit us at the Security branch in Lapeer. If you have questions or need assistance before your visit, don't hesitate to give us a call at 810-235-2322. We look forward to welcoming you into our community!

Member Eligibility

At Security, we believe that becoming a member is like joining a family that truly cares about your financial well-being. If you're looking to be part of a community where your needs come first, you'll be pleased to know that eligibility is open to individuals who live, work, or worship in our local area. We're dedicated to serving you and your interests, whether you're new to banking or looking for better options. For the complete details on what it takes to become a member, we invite you to explore our eligibility criteria at https://www.securitycu.org/membership/. Opening an account with us is a simple and welcoming process! You can start your journey by visiting us at our branch located at 1495 Imlay City Rd Lapeer Mi 48446 or by calling us at (810) 235-2322 if you have any questions. Ready to take the next step? You can easily apply online through this link: https://applynow.securitycu.org/. Joining Security means gaining access to personalized services designed just for you. We look forward to having you as part of our community!

Business Banking & Commercial Services

Financing Your Growth

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.

Practical Merchant Services

In addition to loans, we offer merchant services that simplify payment processing, enabling you to focus on what matters most your customers. Imagine having the ability to accept payments easily, whether in-store or online. Our services make it easy for businesses like yours to manage transactions efficiently, ensuring you never miss a sale. Visit us at 1495 Imlay City Rd Lapeer Mi 48446 in Lapeer, MI, or call us at (810) 235-2322 to learn more about how our business banking and commercial services can support your success!

Comprehensive List Of Services

ATM & Drive-Thru Services

Need quick cash? Our ATM services provide easy access for withdrawals and balance checks whenever you need it. And if you prefer face-to-face interactions for simple transactions like deposits and withdrawals, our drive-thru service is ready to assist you during business hours. At Security, we're more than just a financial institution; we're part of your community. Our dedicated team is here to help guide you through all of life's financial decisions big or small. Ready to take the next step? Call us at (810) 235-2322 or visit us at Myers Road Office today! Let's work together towards achieving your financial dreams!

Business Banking

For our entrepreneurial members, we offer business banking services including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we have the resources and expertise to support your goals.

Credit Solutions

Sometimes life throws unexpected expenses your way. Our personal loans and debt consolidation options can provide you with the financial breathing room you need. Plus, our credit cards come with rewards, giving you benefits while you spend. You can earn points for every dollar spent, which can be redeemed for travel, merchandise, or cash back!

Digital Banking

In today's fast-paced world, convenience matters. That's why we've invested in online and mobile banking tools that allow you to manage your finances anytime, anywhere. With features like person-to-person payments and e-statements, keeping track of your money has never been easier.

Personal Banking

Managing your day-to-day finances is simple with our personal banking services. We offer both checking and savings accounts that help you keep track of your money while earning interest. If you're planning to buy a new car, our auto loans and vehicle financing options are designed to make that dream a reality without breaking the bank. For those considering homeownership or looking to refinance, our mortgage loans offer competitive rates and flexible terms.

Digital & Online Banking

Key Features

Enjoy the ease of accessing e-statements with just a few clicks. With our e-statements available at no extra cost, you'll receive your financial information securely without the clutter of paper. Plus, if you ever need to send money quickly to family or friends, our person-to-person transfer feature makes it simple and fast. For those on the go, our mobile application provides a user-friendly experience that allows you to perform various banking tasks directly from your smartphone. While mobile payments aren't available yet, you can still manage your accounts effectively through the app.

Security and Ease of Use

We prioritize your security. Our online banking services are designed with robust security measures to keep your information safe. Although we do not offer electronic signature authorization at this time, rest assured that all transactions are protected by industry-standard encryption protocols. With Security, managing your finances has never been easier or more secure. Join us today and take advantage of our digital banking services that fit seamlessly into your lifestyle!

Financial Strength

At Security, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share our strong financial foundation, which ensures that you can trust us with your savings and loans. 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. 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. In addition, 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 commitment to supporting your financial goals is evident in our robust lending capacity: with $10,802 in used auto loans and $495,158,784 in total loans and leases, we are here to help you achieve your dreams. Our 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. With Net Shares available for lending and investments totaling $537,935, along with a growing member base represented by 87,815, we stand ready to support your financial 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 1495 Imlay City Rd Lapeer Mi 48446 or call (810) 235-2322 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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. Whether you're looking for a brand-new model or a reliable used vehicle, we've got you covered.

Business Loans

For business owners, our outstanding commercial loans totaling $22,691,630 provide the capital needed to grow and expand your business. We're committed to supporting local entrepreneurs with competitive rates and personalized service.

Credit Lines

Our total credit lines amount to $175,271,875, giving you access to funds whenever you need them without the hassle of reapplying for each loan. This flexibility allows you to manage unexpected expenses or take advantage of new opportunities as they arise. At Security, we're dedicated to making financing accessible and straightforward. If you're interested in refinancing options or want to know more about eligibility requirements, feel free to reach out! You can contact us at (810) 235-2322 or visit us at our branch located at 1495 Imlay City Rd Lapeer Mi 48446 in Lapeer, MI. Let us help you take the next step toward achieving your financial dreams!

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 every step of the home-buying process, ensuring you find a plan that suits your budget.

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. These cards provide an easy way to handle everyday purchases while enjoying rewards and benefits.

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 empowers users to make informed financial decisions without the confusion often associated with loan shopping. LendMesh ensures accurate loan comparisons through data sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This commitment to integrity is reflected in their up-to-date offers based on the latest results (Source: https://www.ncua.gov), allowing users to trust that they are reviewing fair and transparent options. The benefits of using LendMesh include: - Verified Data: All loan offers are sourced from legitimate financial institutions, ensuring full transparency in what users see. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions. The goal is to provide unbiased results that serve the interests of users. - Real-Time Rate Comparisons: Users benefit from access to up-to-date loan rates from multiple institutions, equipping them with the information needed to make sound financial choices. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights how effective and beneficial the service can be for individuals seeking competitive rates. To explore your options further, 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.

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