Southeast Michigan State Employees Credit Union Southfield MI | Best Auto Loans & Rewards Credit Cards

Introduction

Welcome to the Southeast Michigan State Employees Federal Credit Union, located at 17135 W 10 Mile Rd, Southfield, MI 48075. Since our establishment in 1952, we have proudly served our community with a commitment to providing exceptional financial services tailored to meet the needs of our members. With a growing membership of 3,485, we understand that each member's financial journey is unique, and we're here to support you every step of the way. At our credit union, we believe in building lasting relationships based on trust and reliability. Our total assets amount to an impressive $49,888,261, reflecting our solid foundation and financial health. We offer a variety of services including checking and savings accounts, auto loans, mortgage financing, and credit cards all designed to help you achieve your financial goals. Our dedicated team of 13 employees, led by CEO Danielle Goss and Board President Robert Andrews, works diligently to ensure that you receive the highest level of service. With total deposits reaching $7,498,246 and net worth at $5,323,139, we are committed to safeguarding your funds while providing growth opportunities through competitive loan offerings. While members can visit us at our branch for personalized assistance, official correspondence should be sent to the same address: 17135 W. 10 Mile Road, Southfield, MI 48075. If you have any questions or need assistance with your banking needs, don't hesitate to reach out to us at (248) 557-2266. Join us today at Southeast Michigan State Employees Federal Credit Union where your financial success is our priority! Explore more about our services by visiting our website at www.smsefcu.com. Let's work together towards a brighter financial future!

Branch History & Mission

Community Commitment

Our connection with the community goes beyond just financial transactions. We actively engage in outreach efforts and partnerships that support local initiatives. By participating in community events and programs, we aim to strengthen ties within Southfield and help those who need it most. As part of our vision for the future, we continue to prioritize accessibility for all members. This includes maintaining ADA compliance within our facilities and ensuring that every member can utilize our services comfortably. We invite you to join us at Southeast Michigan State Employees Federal Credit Union. Experience firsthand the benefits of membership as you take control of your financial future with a dedicated partner by your side. Whether you're looking for personal banking solutions or business services, we're here to support you every step of the way. For more information on how to become a member or explore our offerings, please visit us at smsefcu.com or call us at (248) 557-2266. Your journey toward financial empowerment starts here!

Our Mission

Our mission is straightforward: to empower our members through accessible and affordable financial services while fostering a sense of community. We believe that everyone deserves the opportunity to thrive financially, which is why we offer a range of products including checking and savings accounts, auto loans, mortgages, personal loans, and credit cards with rewards. We understand the importance of adaptability in today's world. That's why we have embraced digital advancements like online banking and mobile applications, making it easier for our members to manage their finances from anywhere. Although we do not currently offer ATM or drive-thru services, we remain committed to providing excellent customer service during our operating hours: Monday through Wednesday and Friday from 9:30 a.m. to 4:30 p.m., and Thursday until 7:00 p.m.

Branch Location & Accessibility

Operating Hours

We're here to serve you Monday through Wednesday and Friday from 9:30 a.m. to 4:30 p.m., with extended hours on Thursday until 7:00 p.m. Whether you need assistance with personal banking services or are looking to discuss loan options, our friendly team is ready to help during these hours.

Services Offered

At Southeast Michigan State Employees, we offer a wide range of services tailored to meet your needs. From checking and savings accounts to auto loans and mortgage refinancing, we have you covered. While we currently don't have ATM availability or drive-thru services, our dedicated staff is available in-person to assist you with any questions or transactions you may need. If you're looking for business banking solutions or want to explore credit card options with rewards, feel free to reach out at 248-557-2266. We invite you to come visit us soon! Your financial well-being is our priority, and we're excited to be part of your journey.

Member Eligibility

Becoming a member of Southeast Michigan State Employees is like joining a close-knit family where your financial well-being is our top priority. We welcome anyone who is an employee or retiree of the State of Michigan, as well as their immediate family members. This means if you work for the state or have a loved one who does, you're eligible to enjoy the numerous benefits we offer, from competitive loan rates to personalized service. It's easy to become part of our community! Just visit us at our branch located at 17135 W 10 Mile Rd Southfield Mi 48075, or check out our membership details online at http://www.smsefcu.com/about-us/membership. If you have any questions, feel free to give us a call at (248) 557-2266 we're here to help! To get started with opening an account, you can find all the information you need at http://www.smsefcu.com/borrow/loan-application. We can't wait to welcome you!

Business Banking & Commercial Services

Business Loan Options

Imagine being able to secure the funding needed to invest in new equipment or expand your team. 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

Our merchant services simplify payment processing for your business. Picture this: you're at a bustling trade show, and customers want to buy your product on the spot. With our easy-to-use payment solutions, you can accept card payments directly from your smartphone, ensuring you never miss a sale. Located conveniently at 17135 W 10 Mile Rd Southfield Mi 48075, Southfield, MI, we invite you to explore how our business banking services can empower your entrepreneurial journey. For more information, give us a call at (248) 557-2266 or visit us online at Southeast Michigan State Employees Federal Credit Union.

Comprehensive List Of Services

Accessibility

While we do not have ATM or drive-thru services at this location, our friendly team is ready to assist you during lobby hours: Monday through Wednesday and Friday from 9:30 a.m. to 4:30 p.m., and Thursday from 9:30 a.m. to 7:00 p.m. If you have questions or need assistance with any of our services, don't hesitate to reach out at 248-557-2266. At Southeast Michigan State Employees Federal Credit Union, we're committed to providing the resources and support necessary for all members of our community whether personal or business-related. Explore what we have to offer by visiting us in Southfield or checking out our website at smsefcu.com. Join us today and take the next step towards achieving your financial goals!

Business Banking

For our business members, we provide comprehensive Business Banking solutions including merchant services and business loans tailored to help you grow your company. Whether you're starting a new venture or expanding an existing one, we're here to support your entrepreneurial journey.

Digital and Mobile Banking

In today's fast-paced world, convenience matters. That's why we offer robust Online & Mobile Banking features that let you manage your accounts anytime, anywhere. With easy access to account balances, transaction history, and bill payment options right at your fingertips, banking has never been easier. You can even use person-to-person payments to transfer money quickly to friends or family without any hassle.

Loans and Financing

Need a new car? Our Auto Loans & Vehicle Financing options can get you on the road in no time. We provide flexible terms and competitive rates so you can drive away feeling confident about your choice. If you're looking to buy a home, our Mortgage Loans & Refinancing services make home ownership more accessible. Picture yourself settling into your dream home with a mortgage that suits your budget. For those unexpected expenses, our Personal Loans & Debt Consolidation services can help alleviate financial stress. We understand life can throw curveballs, and we're here to support you every step of the way. Plus, if you enjoy rewards while spending, check out our Credit Cards with Rewards, which offer benefits for every dollar spent.

Personal Banking

We offer a variety of Personal Banking options, including checking and savings accounts that help you manage your everyday finances. Our accounts are designed to be user-friendly, making it easy for you to track your spending and save for your goals. Imagine opening an account that not only keeps your money safe but also offers competitive interest rates to help it grow.

Digital & Online Banking

Key Services

With our 24/7 online banking services, you can check balances, pay bills, and transfer money without needing to visit a branch. Plus, if you're looking for quick ways to send money to friends or family, our person-to-person transfer feature makes it as simple as sending a text. For those who prefer to manage their accounts on-the-go, our mobile application is available for download. While mobile payments aren't offered just yet, our app allows you to stay connected and monitor your accounts easily. And if you're trying to go paperless, e-statements are available for all members helping you keep track of your transactions while being kind to the environment.

Security and Convenience

Your security is our top priority. Although we currently do not support electronic signature authorization, rest assured that all online transactions are protected with robust security measures. We aim to make banking not only easy but also safe. Whether you're at home or out and about, Southeast Michigan State Employees ensures that managing your finances is straightforward and hassle-free. Join us today and experience the convenience of modern banking at its best!

Financial Strength

At Southeast Michigan State Employees, 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 showcase our strong financial position, built on trust, transparency, and a commitment to serving you. With a net worth of $5,323,139, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 10.63% 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 $2,083,670 in share certificates and $8,019,257 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members; with no non-member deposits on hand, our resources focus solely on benefiting you through better loan rates and exclusive perks. With $4,767,911 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity is also impressive: with $2,589 loans and leases, including $250 in used auto loans, we support your financial goals across various sectors. Our operational efficiency is reflected in our net income of $212,642, enabling us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 11 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable team. Total Share Accounts stand at 6,406, showing a strong and growing member base that trusts us with their finances. Our net shares (funds available for lending and investments) total $0, indicating a focus on member-driven services rather than external borrowing. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Southeast Michigan State Employees is your trusted partner. Visit us at 17135 W 10 Mile Rd Southfield Mi 48075 or call 248-557-2266 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

Additional Information

If you're considering refinancing any existing loans or want to explore eligibility options for our various products, our friendly team is ready to assist you. Please reach out to us at 248-557-2266 for more details or visit us at our branch located at 17135 W 10 Mile Rd, Southfield MI 48075. 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 Southeast Michigan State Employees Federal Credit Union, we're committed to helping our members thrive financially with trustworthy and accessible lending solutions.

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We currently have over $3,168,062 in used vehicle loans and $1,130,794 in new vehicle loans already helping members get on the road. Whether you're looking for a brand-new model or a reliable pre-owned vehicle, our financing options can make it happen.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $55,480, making buying or refinancing simple. We are here to guide you through the process of securing your dream home with competitive rates and personalized service.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. With a total of $1,908,377 in loans helping members manage their finances effectively, our credit cards provide easy access to funds when you need them most. Enjoy peace of mind knowing that you have financial support at your fingertips.

Loan Aggregator

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