Security First Credit Union Owosso MI | Top Checking & Auto Loans

Introduction

Welcome to Security, your trusted financial partner located at 1400 E M 21, Owosso, MI 48867. Since our establishment in 1955, we've been dedicated to serving our community and helping our members achieve their financial goals. With a proud membership of over 52,600 individuals, we are committed to providing personalized services tailored to meet the unique needs of each member. At Security, our total assets reach an impressive $639,832,112, which reflects our strong financial standing and ability to support you with various loan options. We have facilitated a total of 29,134 loans and leases, ensuring that whether you're looking for an auto loan, mortgage refinancing, or personal loans for debt consolidation, we have you covered. Our branch is not just about numbers; it's about people. Led by our CEO, Jay Yax, and Board President, John Truchan, we strive to create a welcoming environment where you can feel confident in your financial decisions. Our friendly team of 164 employees is always ready to assist you with any inquiries or services you may need. While members can visit us at our Owosso branch for all banking needs ranging from checking accounts to business loans we also understand the importance of convenience. That's why we offer online and mobile banking options for those who prefer managing their finances from home. With total deposits amounting to $9,885,244 and a net worth of $62,703,520, we pride ourselves on being financially stable and capable of supporting our members effectively. Plus, with $10,625,324 in cash available, you can trust that your funds are secure with us. If you're ready to take the next step toward better financial health or just want to learn more about what we offer, don't hesitate! Call us at 810-235-2322 or visit our website at Security Credit Union today. Let's work together towards a brighter financial future!

Branch History & Mission

A Legacy of Growth

Since our founding, we've seen many milestones that highlight our dedication to innovation and member satisfaction. We've embraced modern banking solutions with features like online banking and mobile applications, ensuring that managing your finances is convenient and straightforward. Our drive-thru service and ATM availability provide added ease for those on the go. In addition to banking services, we are committed to making a positive impact in our community. We actively participate in outreach programs and partnerships that uplift local organizations and support residents in need. This commitment is reflected not only in our services but also in the values we uphold.

Join Us

As we look towards the future, we invite you to become part of our growing family at Security Credit Union. Experience firsthand the benefits of membership where your financial well-being is at the forefront of everything we do. For more information about joining us or exploring our services further, please visit our website or call us at 810-235-2322. Together, let's build a brighter financial future!

Our Mission

Our mission is simple yet powerful: to provide exceptional financial services while fostering a strong sense of community. We believe that everyone deserves access to affordable financial products and personalized service. Whether you're looking for a checking account, auto loan, or mortgage solution, we are here to support your goals. Our total assets now exceed $639 million, allowing us to offer a wide array of services tailored to meet your individual needs.

Branch Location & Accessibility

Convenient Location

Our branch is situated near well-known landmarks that make it simple to find us. Just a short drive from downtown Owosso, you'll discover plenty of parking available right outside our doors. We also prioritize accessibility; our facility meets ADA compliance standards and includes ramps to ensure everyone can visit us comfortably.

Get in Touch

If you have questions or need assistance, don't hesitate to call us at 810-235-2322. We're excited to welcome you at the Owosso Office of Security Credit Union! Your financial wellness is our priority, so come by today and see how we can serve you better.

Operating Hours and Services

At Security Credit Union, we understand that your time is valuable. That's why we offer flexible operating hours: our lobby is open from 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. Need to make a quick deposit or withdrawal? Our drive-thru service is available for your convenience as well. We pride ourselves on offering a variety of services tailored just for you. From checking and savings accounts to auto loans and credit cards with rewards, our team is ready to assist you every step of the way. Plus, if you prefer online banking or need access to an ATM, we've got you covered!

Member Eligibility

At Security, we believe that joining our community should feel welcoming and straightforward. If you're interested in becoming a member, you'll be pleased to know that eligibility is designed to include a wide range of individuals. Typically, anyone who lives, works, or worships in the area around 1400 E M 21 Owosso Mi 48867 can become a member. This means you can enjoy all the benefits of being part of a credit union that truly cares about its members. Plus, with access to personalized services and competitive rates, you'll find that your financial journey is supported every step of the way. To get started on your path to membership, simply check out the detailed eligibility requirements at https://www.securitycu.org/membership/. Once you see that you qualify, opening an account is just a click away! Visit https://applynow.securitycu.org/ for an easy application process. If you have any questions or need assistance, don't hesitate to give us a call at (810) 235-2322. We're here to help you take this exciting step toward financial empowerment!

Business Banking & Commercial Services

Business 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

In addition to loans, we offer merchant services that simplify transactions for your business. Imagine processing payments swiftly and securely while keeping your cash flow steady. Our services are designed to enhance customer experiences and streamline your operations, allowing you to focus on what you do best growing your business! For more information about how our business banking and commercial services can support your vision, visit us at 1400 E M 21 Owosso Mi 48867 or give us a call at (810) 235-2322. Let's take your business to new heights together!

Comprehensive List Of Services

Accessibility and Support

For those who prefer face-to-face interactions, our branch offers basic Drive-Thru Banking for deposits, withdrawals, and simple transactions without leaving your vehicle. Plus, our ATMs provide easy access for withdrawals and balance checks whenever you need it. With operating hours designed to fit busy schedules open from 9 AM to 6 PM on weekdays and 9 AM to 12:30 PM on Saturdays our team at Security is ready to assist you. If you're ready to take the next step in managing your finances or if you have any questions about our services, don't hesitate to reach out! Call us at (810) 235-2322 or visit us at Owosso Office today. Your financial journey starts here!

Business Banking Solutions

For our business members, we offer tailored solutions that include Merchant Services & Business Loans. These tools help streamline operations and support growth in today's competitive market.

Credit Cards and Rewards

At Security, we believe in rewarding our members. Our Credit Cards with Rewards program allows you to earn points on purchases, making every transaction count towards something special.

Online and Mobile Banking

In this digital age, convenience is key. That's why we provide robust Online & Mobile Banking features that let you manage your finances from anywhere. Check your balance, pay bills, or transfer money with just a few taps on your device. Our ATM & Cash Withdrawal Services ensure that accessing your funds is hassle-free.

Personal Banking

Managing your finances should be straightforward and convenient. With our personal banking services, we offer Checking & Savings Accounts designed to fit your lifestyle. Whether you're saving for a special occasion or managing daily expenses, our accounts come with features that make banking easy. You can also explore our Auto Loans & Vehicle Financing, which provide flexible terms and competitive rates to help you drive away in the car of your dreams. If homeownership is on your mind, our Mortgage Loans & Refinancing options can guide you through the process. We strive to make securing a mortgage as simple as possible, ensuring you get the best rate available. For those unexpected moments when you need extra cash, our Personal Loans & Debt Consolidation services can provide quick access to funds with manageable repayment plans.

Digital & Online Banking

Key Features

With our 24/7 online banking services, you can check your account balances, transfer funds, and pay bills whenever it suits you. No need to wait for bank hours; everything you need is just a few clicks away. Plus, for those who prefer paperwork-free transactions, we offer e-statements that allow you to view your financial statements online helping you stay organized and reduce clutter. For added flexibility, our platform also supports person-to-person transfers. Whether you're sending money to a friend or family member, it's as easy as sending a text! You won't have to worry about cash or checks; just a simple transfer from your account.

Mobile Access

If you're always on the move, our mobile application lets you manage your banking right from your smartphone. While we currently do not support mobile payments, our app provides all the essentials for keeping track of your finances. You can access your accounts anywhere, anytime!

Security You Can Trust

Security is paramount at Security. We employ the latest technology to protect your personal information and transactions. Rest assured that when you use our online services, your data remains secure and private. In summary, whether you're looking to manage your savings or make quick transfers, Security has the digital tools to help you every step of the way. Experience banking that fits into your lifestyle by visiting us at https://www.securitycu.org/ today!

Financial Strength

Growing Member Base

Total Share and Deposit Accounts: 87,815, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $537,935. 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 1400 E M 21 Owosso Mi 48867 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.

Investments in Your Future

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 supports your financial goals with $10,802 in used auto loans and $495,158,784 in total loans and leases.

Member-Centric Savings Options

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 $2,019,765 reflects our operational efficiency, 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.

Strong Financial Health

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 aim to make the process straightforward and accessible so you can focus on what matters most: driving your new vehicle.

Credit Lines and Commercial Loans

For those looking for additional flexibility or funding for business growth, we offer total credit lines amounting to $175,271,875. Additionally, our outstanding commercial loans totaling $22,691,630 provide the capital needed for entrepreneurs and small businesses to thrive.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $26,314,792, making buying or refinancing simple. Whether you're a first-time buyer or looking to refinance an existing mortgage, our team is here to guide you through every step of the process.

Refinancing Options

If you're considering refinancing any of your existing loans be it auto loans or mortgages our team can help you explore eligibility options that may lead to lower monthly payments or better terms. We believe in making finance work for you. Feel free to reach out to us at 810-235-2322 if you have any questions about our loan offerings or would like assistance with the application process. 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 Security, we're committed to supporting your financial journey!

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 rewards and are designed for everyday spending while providing you with tools to stay on top of your finances.

Loan Aggregator

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