Smw Financial Credit Union Lino Lakes MN | Best Auto Loans & Personal Banking

Introduction

Welcome to Smw Financial, your trusted partner in the heart of Lino Lakes, Minnesota! Established in 1954, we have proudly served our community for nearly seven decades, growing alongside our members and supporting their financial needs. Our branch, located at 700 Apollo Dr, Lino Lakes, MN 55014, is dedicated to providing personalized service and a variety of financial solutions tailored just for you. At Smw Financial, we believe in the power of community. With a membership base of over 4,835 members and total assets amounting to an impressive $91,288,192, we are well-equipped to help you achieve your financial goals. Whether you're looking for checking and savings accounts, auto loans, or mortgage refinancing options, our dedicated team is here to guide you every step of the way. Our leadership team is committed to fostering a welcoming environment. Under the guidance of our CEO, Erin McNamara, and Board President, Michael Day, we prioritize transparency and member satisfaction. With a total of 16 employees ready to assist you during our operating hours from Monday to Friday (7:30 AM - 6:00 PM) and Saturday (9:00 AM - 1:00 PM), you'll always find a friendly face at Smw Financial. While members can visit us at our branch location for all your banking needs, official correspondence should be sent to the same address: 700 Apollo Drive, Lino Lakes, MN 55014. With total deposits reaching $10,218,113 and cash in hand at $733,875, we are financially strong and ready to support your aspirations. We invite you to explore our services online at smwfcu.com or give us a call at 651-747-1500. Experience the Smw Financial difference today where your financial success is our priority!

Branch History & Mission

Join Us!

We invite you to experience the benefits of membership at Smw Financial. Join us today and discover how we can help you achieve your financial goals while being part of a caring community. Together, let's build a brighter future! For more information about our services and how you can get involved, visit us online at Smw Financial.

Our Journey

From our humble beginnings, Smw Financial has witnessed significant milestones that have shaped our identity. We started with a mission to provide accessible financial services to our community and have stayed true to that purpose ever since. Over the years, we have expanded our offerings beyond basic banking services to include auto loans, mortgages, personal loans, and business banking solutions. With total assets now exceeding $91 million, we are proud of the trust our members place in us. As we evolved, so did our commitment to innovation. We embraced digital advancements to make banking easier for our members. Today, we offer online banking and mobile applications that allow members to manage their finances anytime and anywhere. Our drive-thru service and ATM availability ensure that we meet the diverse needs of our community while maintaining high standards of convenience and accessibility.

Our Mission

At the core of Smw Financial's mission is a dedication to both financial empowerment and community support. We believe that everyone deserves the opportunity for financial stability and success. Our mission statement reflects this belief: "To provide exceptional financial services while fostering strong community relationships." We aim not just to be a bank but a trusted partner in each member's financial journey. We also pride ourselves on being actively involved in local initiatives and partnerships aimed at improving life in Lino Lakes. Whether it's sponsoring local events or supporting educational programs, we strive to give back and make a positive impact on our community. While members can visit us at 700 Apollo Dr Lino Lakes Mn 55014, official correspondence should be sent to 700 Apollo Drive, Lino Lakes, MN 55014. You can reach us at (651) 747-1500, Monday through Friday from 7:30 am to 6:00 pm or Saturday from 9:00 am to 1:00 pm.

Branch Location & Accessibility

Convenience and Accessibility

Our branch is designed with your comfort in mind. Whether you're visiting for personal banking or need assistance with loans, our team is ready to help. We offer ample parking for all visitors, including accessible spots for those who need them. Our facility is ADA compliant, featuring ramps and other accessibility options to ensure everyone can access our services easily.

Operating Hours

We're open Monday through Friday from 7:30 AM to 6:00 PM and Saturdays from 9:00 AM to 1:00 PM, providing plenty of time for you to visit us at your convenience. Have questions? Feel free to give us a call at 651-747-1500 during business hours.

Services Offered

At Smw Financial, we pride ourselves on offering a variety of services including checking and savings accounts, auto loans, mortgage refinancing, personal loans, and credit cards with rewards. For quick transactions, our drive-thru service allows you to make deposits and withdrawals without leaving your vehicle. Plus, we have an ATM available for cash withdrawals and balance checks whenever you need them. While members can visit us at our branch address mentioned above, official correspondence should be sent to the same mailing address: 700 Apollo Drive, Lino Lakes, MN 55014. We invite you to stop by and discover how we can assist you in achieving your financial goals. Your satisfaction is our priority!

Member Eligibility

Becoming a member of Smw Financial is like joining a close-knit family that genuinely cares about your financial well-being. If you live, work, or attend school in the area around 700 Apollo Dr Lino Lakes Mn 55014, you're already on the right track! Our doors are open to anyone who meets these simple eligibility criteria. It's all about creating a community where everyone feels valued and supported. Plus, as a member, you'll enjoy exclusive benefits like competitive rates on loans and savings, personalized service, and access to various financial products tailored just for you. Getting started is easy! You can find more information about the eligibility requirements by visiting our website at . If you're ready to take the next step, opening an account is straightforward and welcoming. Just give us a call at (651) 747-1500, and our friendly team will be happy to guide you through the process. We can't wait to welcome you into the Smw Financial family!

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 $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

In today's fast-paced world, having efficient payment processing is crucial. Our merchant services streamline transactions, making it easier for you to accept payments from customers. Picture this: a busy Saturday at your store where quick service makes all the difference. With our reliable payment solutions, you can focus on delighting your customers while we handle the payments smoothly. Located conveniently at 700 Apollo Dr Lino Lakes Mn 55014 in Lino Lakes, MN, we're here to partner with you on your journey to success. For more information or to get started, give us a call at (651) 747-1500. Let's work together to build a brighter future for your business!

Comprehensive List Of Services

Business Banking Services

We don't forget about our local businesses! Our business banking services, including merchant services and business loans, are aimed at helping entrepreneurs thrive. With us by your side, running your business becomes less stressful.

Convenient Banking Features

In today's fast-paced world, convenience is key. That's why we offer comprehensive online and mobile banking solutions that allow you to manage your accounts anytime and anywhere. Need cash? Our ATM services provide easy access for withdrawals and balance checks without stepping into the branch. If you prefer face-to-face interactions, our drive-thru banking offers quick service for deposits and simple transactions. At Smw Financial, we pride ourselves on being more than just a financial institution; we're part of the community in Lino Lakes. If you're ready to explore how our services can benefit you or if you have any questions about opening an account, don't hesitate to reach out! Call us at (651) 747-1500 or visit us today at 700 Apollo Dr Lino Lakes Mn 55014. Let's take the next step together toward achieving your financial goals!

Home Financing

When it comes to owning a home, our mortgage loans and refinancing services are crafted with your goals in mind. Whether you're buying your first home or looking to refinance for better rates, our team is ready to guide you through the process with ease.

Personal Banking Solutions

For those seeking personal banking options, we offer checking and savings accounts designed to help you manage your money effectively. Imagine having a convenient checking account that allows you to pay bills online or a savings account where you can watch your funds grow over time. Our accounts come with features like online banking and mobile access, making it easy to keep track of your finances from anywhere. If you're considering buying a vehicle, our auto loans and vehicle financing options provide competitive rates and flexible terms. We understand that purchasing a car is a significant investment, so we're here to ensure you get the best deal possible.

Personal Loans and Credit Options

For unexpected expenses or consolidating debt, our personal loans offer an efficient solution tailored just for you. Plus, our credit cards with rewards give you more than just purchasing power; they allow you to earn rewards on your spending perfect for those who love to shop or travel!

Digital & Online Banking

Key Features

Our online banking platform allows you to view your account balances, transfer funds, and pay bills all in one place. If you need to send money quickly to a friend or family member, our person-to-person transfers make it easy no need for cash or checks! Plus, if you're looking to reduce paper clutter, you can sign up for e-statements. They're not only eco-friendly but also give you quick access to your account information anytime. We also recognize the importance of security in digital transactions. While we currently do not offer electronic signature authorization, our systems are designed with robust security measures to keep your personal information safe. For those who prefer managing their finances from their mobile devices, we have a user-friendly mobile application available. This app allows you to check your balance, deposit checks remotely, and perform transactions right from your smartphone. Even though mobile payments aren't available yet, we continue to enhance our offerings based on member feedback. At Smw Financial, we are committed to providing accessible and easy-to-use banking solutions that fit into your lifestyle. Join us today and experience how digital banking can simplify your financial management!

Financial Strength

Commitment to Growth and Innovation

With $9,247,105 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 across various sectors, as shown by our $155 in used auto loans and $53,635,397 in total loans and leases.

Growing Trust

Our growing member base is evidenced by the total number of share accounts: 11,674. This trust from our community motivates us to maintain the highest standards of service. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Smw Financial is your trusted partner. Visit us at 700 Apollo Dr Lino Lakes Mn 55014 or call (651) 747-1500 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.*

Member-Focused Savings

Members' savings are secured through $21,138,877 in share certificates and $4,958,289 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $1,334,514, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our $151,267, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 15 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Health

With a net worth of $9,398,372, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,030 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. We have already issued over $2,337,994 in used vehicle loans and $13,923,981 in new vehicle loans, helping our members get on the road with confidence. Our flexible terms make it easier for you to finance your next vehicle, whether it's brand new or gently used.

Credit Lines and Refinancing Options

For those needing additional financial flexibility, our credit lines total $8,931,439, allowing you to access funds when you need them most. Additionally, if you're considering refinancing any existing loans, our team is ready to discuss eligibility options that can potentially save you money. At Smw Financial, we pride ourselves on providing personalized service and competitive rates tailored to your specific needs. Our dedicated team is here to assist you every step of the way. For more information or to start your application, please visit us at 700 Apollo Dr Lino Lakes Mn 55014, call us at (651) 747-1500, or check out our website at https://www.smwfcu.com/. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We're committed to supporting our community and helping you reach your financial goals!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $10,952,713, make buying or refinancing simple. We're here to guide you through the process, ensuring you find the right fit for your budget and lifestyle.

Unsecured Credit Card Loans

Managing everyday expenses can sometimes be tricky. That's why we also offer flexible terms on unsecured credit card loans, with a total of $1,122,628 in loans helping members manage their finances effectively. Enjoy the freedom to make purchases while keeping track of your spending.

Loan Aggregator

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SMW FINANCIAL CREDIT UNION - Lino Lakes, MN