Summit Ridge Credit Union Lees Summit MO | Best Auto Loans & Mortgage Refinancing

Introduction

Welcome to Summit Ridge Credit Union, your trusted financial partner since 1955! Located at 3485 Ne Ralph Powell Rd, Lees Summit, MO 64064, we are proud to serve a growing community of over 1,821 members. Our commitment to putting people first is reflected in our strong financial standing, with total assets amounting to an impressive $21,301,462 and total deposits reaching $1,920,758. At Summit Ridge, we believe in the power of community. Our leadership team, led by CEO Sharri Wardlow and Board President Brad Wise, works tirelessly to ensure our members receive personalized service and access to a range of financial products tailored to meet their needs. Whether you're looking for an auto loan or a mortgage refinance, our dedicated staff of 4 employees is here to assist you every step of the way. While members can visit us at our branch for all their banking needs, official correspondence should be sent to the same address. We invite you to explore our wide array of services from checking and savings accounts to credit cards with rewards designed with your success in mind. With a net worth of $1,612,275 and cash in hand totaling $237,170, we are well-equipped to support your financial journey. Join us today and experience the Summit Ridge difference! For inquiries or assistance, feel free to call us at 816-272-6160 or visit our website at mysrcu.com. Your path to better banking starts here!

Branch History & Mission

Community Impact

Summit Ridge Credit Union is more than just a financial institution; we're an integral part of the Lees Summit community. We actively participate in local events and sponsor initiatives that promote education and well-being among residents. Our goal is not only to help you manage your finances but also to enhance your overall quality of life. With operating hours from 9:00 AM to 5:00 PM Monday through Friday, we are here when you need us most. Although we do not currently offer ATM or drive-thru services, our friendly staff is always ready to assist you inside the branch. Join us at Summit Ridge Credit Union today! Experience firsthand how we prioritize your financial health while supporting the community around us. Visit our website or stop by our branch we can't wait to welcome you!

Our Journey

From our humble beginnings, Summit Ridge Credit Union has evolved to meet the changing needs of our members. We started as a small credit union focused on providing basic financial services and have expanded our offerings to include auto loans, mortgage financing, personal loans, and business banking solutions. Our commitment to supporting our community has driven us to establish partnerships and outreach programs that uplift those around us. Our location is convenient for all members; you can visit us at our branch or reach out via phone at 816-272-6160. While members can visit us at 3485 NE Ralph Powell Rd, official correspondence should be sent to the same address as our mailing address.

Our Mission

At Summit Ridge Credit Union, our mission is clear: to empower our members through accessible financial services while fostering a spirit of community support. We believe that everyone deserves the opportunity to achieve their financial goals. Whether it's saving for a dream vacation or financing a new vehicle, we aim to provide personalized solutions that fit individual needs. We are committed to ensuring that all members can access our services comfortably. Our digital advancements make banking easy with online banking and mobile payment options. Additionally, we strive for inclusivity with ADA-compliant facilities that cater to all visitors.

Branch Location & Accessibility

Accessibility and Features

At Summit Ridge, we prioritize your convenience. Our branch offers ample parking and features that comply with ADA standards, ensuring that everyone can access our services comfortably. While you're here, feel free to take advantage of our personal banking options, including checking and savings accounts, auto loans, mortgage loans, and more. While members can visit us at 3485 Ne Ralph Powell Rd, official correspondence should be sent to the same address for easy processing.

Call to Action

We invite you to come visit us at Summit Ridge Credit Union! Experience our welcoming atmosphere and discover how we can help you achieve your financial goals. If you have any questions before your visit, feel free to call us at 816-272-6160. We look forward to seeing you soon!

Operating Hours

We know your time is valuable! That's why we're open Monday through Friday from 9:00 AM to 5:00 PM. Our team is ready and eager to assist you during these hours. If you have any questions or need assistance outside of regular hours, don't hesitate to reach out via phone at 816-272-6160.

Services Offered

Summit Ridge Credit Union is proud to provide a variety of services tailored just for you. From personal loans and credit cards with rewards to business banking solutions, we have something for everyone. While we currently do not offer ATM services or drive-thru banking, our online and mobile banking options make managing your finances easier than ever.

Member Eligibility

At Summit Ridge, we believe that everyone deserves a chance to be part of a supportive community focused on helping you achieve your financial goals. Becoming a member is simple and welcoming! If you live, work, or attend school in the area, you're likely eligible to join us. We also extend membership to family members of current members, ensuring that our benefits can reach those closest to you. With us, you'll enjoy personalized service and a range of financial products tailored to fit your needs. To learn more about specific eligibility requirements, feel free to check out our detailed information at https://www.mysrcu.com/members.php. When you're ready to take the next step and open an account with us, the process is straightforward! Just visit our account opening page at https://mysrcu.unifi-digitalsolutions.com/enroll, or give us a call at (816) 272-6160 during our operating hours from 9:00 AM to 5:00 PM, Monday through Friday. We can't wait for you to join the Summit Ridge family!

Business Banking & Commercial Services

At Summit Ridge, we understand that every business owner dreams of growth and success. That's why we offer tailored business banking solutions designed to help you achieve your goals. Imagine having the financial support to expand your operations, purchase new equipment, or even launch a new product line. Our commercial loan options are here to make that vision a reality. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. Although currently, we have no member or non-member commercial loans funded yet, we are eager to assist local businesses in finding flexible financing solutions when the need arises. In addition to loans, we provide essential merchant services that empower businesses to accept payments easily and efficiently. Whether you're a small retailer or a growing service provider, our solutions ensure you can focus on what matters most running your business smoothly. Located at 3485 Ne Ralph Powell Rd Lees Summit Mo 64064 in Lees Summit, MO, our team is ready to partner with you on your journey toward success. Reach out today at (816) 272-6160 to learn more about how we can support your business's financial needs!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

While we currently do not have ATMs on-site, our network provides access to cash withdrawal services whenever you need them. At Summit Ridge, we're not just about banking; we're about building relationships within our community. We invite you to visit us at 3485 Ne Ralph Powell Rd Lees Summit Mo 64064 or give us a call at (816) 272-6160 during our operating hours from 9:00 AM to 5:00 PM Monday through Friday. Join us in achieving financial well-being together! For more information about our services or to get started with any of them today, visit us online at Summit Ridge Credit Union!

Auto Loans & Vehicle Financing

If you're planning to purchase a new car, our auto loans and vehicle financing options can help you get behind the wheel without breaking the bank. Picture this: cruising down the road in your new ride, knowing you secured an affordable loan that suits your budget. With competitive rates and flexible terms, we make it easy for you to finance your next vehicle.

Business Banking

For entrepreneurs and small business owners, our business banking services provide essential support. From merchant services that simplify transactions to business loans designed for growth, Summit Ridge is committed to helping local businesses thrive.

Credit Cards with Rewards

Maximize your spending power with our credit cards that offer rewards for everyday purchases. Think about earning points on groceries or gas that can be redeemed for exciting rewards this card is more than just plastic; it's a pathway to benefits.

Mortgage Loans & Refinancing

For those ready to buy their first home or refinance an existing mortgage, Summit Ridge offers comprehensive mortgage loans tailored to fit your needs. Imagine owning a home where every room reflects your style and personality. Our team can guide you through the process, ensuring you find the right mortgage solution.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking services that allow you to manage your accounts anytime, anywhere. Whether you're checking balances on-the-go or transferring funds from the comfort of your home, our digital tools make banking easy and accessible.

Personal Banking

When it comes to managing your finances, our personal banking options are designed with you in mind. Whether you're looking to open a checking or savings account, we have solutions that fit every lifestyle. Imagine setting up a savings account that helps you reach your dream vacation or opening a checking account that simplifies your daily transactions.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way, but with our personal loans and debt consolidation services, you're never alone. Whether it's funding a big purchase or consolidating existing debt into one manageable payment, we're here to help you navigate these challenges with confidence.

Digital & Online Banking

Convenient Payment Options

Take advantage of our mobile payments feature for quick and easy transactions right from your phone. Whether you're splitting a bill or making a purchase, convenience is just a tap away. With these digital tools at Summit Ridge, you can enjoy hassle-free banking tailored to fit your lifestyle. Experience the freedom of managing your finances securely and efficiently start today!

Easy Access Anytime, Anywhere

Our 24/7 online banking services let you access your accounts whenever you need. Log in through our website at https://www.mysrcu.com/ to check balances, transfer funds, or pay bills all from the comfort of your own home. No more rushing to the bank before it closes; you can handle everything from your smartphone or computer.

On-the-Go Banking with Our Mobile App

For those who prefer mobile banking, our user-friendly mobile application allows you to manage your accounts anytime, anywhere. Need to make a quick payment? Want to check your balance while you're out? Our app makes it simple!

Secure Transactions

Your security is our top priority. With electronic signature authorization available, signing important documents is a breeze and safe. Plus, we offer person-to-person transfers so you can send money to friends and family quickly and securely.

Stay Updated with E-Statements

Say goodbye to paper clutter! With e-statements available, you'll receive your account statements electronically. This not only keeps your information organized but also enhances security by reducing the chances of sensitive documents being lost or stolen.

Financial Strength

Commitment to Member Savings

Members' savings are secured through $7,040,416 in share certificates, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $496,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Growing Trust Among Members

Total Share Accounts stand at 3,014, indicating a strong and growing member base that trusts us with their finances. This growth is a testament to the service excellence we strive for each day at Summit Ridge. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Summit Ridge is your trusted partner. Visit us at 3485 Ne Ralph Powell Rd Lees Summit Mo 64064 or call (816) 272-6160 to learn more about how we can help you achieve your financial goals.

Lending Capacity to Support Your Needs

Our lending capacity is robust, with $395 in used auto loans and $12,569,587 in total loans and leases. This support helps our members achieve their financial goals across various sectors. We also take pride in having 4 full-time employees ready to serve you with expertise and dedication.

Solid Financial Foundation

With a net worth of $1,612,275, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $757 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Strong Earnings for Growth

With $1,515,731 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $6,321,731 in used vehicle loans and $4,432,383 in new vehicle loans already helping members get on the road. We provide financing options for both new and used vehicles that can fit your budget.

Credit Lines

For those needing extra flexibility, our total credit lines available amount to $1,000,000. This can be a great resource for unexpected expenses or planned purchases without the need for multiple applications. Our dedicated staff is ready to discuss refinancing options as well as eligibility criteria to help ensure you find the best loan product suited for your situation. Please feel free to reach out at (816) 272-6160 during our lobby hours from 9:00 AM to 5:00 PM Monday through Friday. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore your lending options with us today! Visit our website at mysrcu.com for more information or to start your application process online.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. Although currently we do not have Junior Lien 1-4 Family Residential Properties loans available, our team can guide you through various alternative options for securing a home loan.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $121,397 in loans helping members manage their finances effectively. These cards provide the convenience you need while allowing you to build your credit history.

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Summit Ridge