Security Credit Union in Detroit, MI
Michigan-based credit union offering personal loans, vehicle loans, mortgages, and deposit accounts with rewards credit cards and online banking.
Data compiled from public sources · Rating from CreditDoc methodology
Security Credit Union Review
Security Credit Union is a Michigan-based credit union serving members with a full range of consumer financial products. Founded to provide accessible banking services to its membership, the organization operates with routing number 272480115 and maintains an active digital presence across multiple social platforms. The credit union positions itself as a community-focused alternative to traditional banks, emphasizing member benefits and personalized service.
Their headquarters is located in Michigan with local phone support at 810-235-2322. Security CU offers a comprehensive suite of lending and deposit products including personal loans (up to $5,000 for their Winter Loan promotion), vehicle loans, and mortgage services for home purchase and refinancing. Members can open savings and checking accounts, access online banking with username-based login, and utilize financial calculators to plan their finances.
The institution also issues the Security Cash Back Visa credit card featuring 2% cash back on all purchases, positioning it as a rewards-focused payment option. Additional member benefits include access to Trust & Will estate planning services at discounted rates. The credit union differentiates itself through member-centric programs including the Security CU Amplified Scholarship for students and a focus on simple, transparent rewards structures.
Their marketing emphasizes affordable lending terms, fast loan processing, and benefits that "actually add up" rather than complex fee structures. The organization actively engages with younger demographics through TikTok, Instagram, and Facebook presence, suggesting an effort to appeal beyond traditional credit union membership. They also provide fraud prevention resources and financial education tools.
As a credit union, Security CU operates under cooperative principles and member-ownership structure, which typically translates to better rates than commercial banks. However, the website provides limited specific information about APR ranges, membership requirements, credit score minimums, or detailed product terms. Prospective members would need to contact the institution directly or visit in-person for comprehensive rate and fee information.
The organization appears well-established and legitimate, though online disclosures are general rather than exhaustive.
Services & Features
Feature Checklist
Pros & Cons
Pros
- 2% cash back on every purchase with Security Cash Back Visa—no category restrictions
- Winter Loan promotion up to $5,000 marketed as fast and affordable
- Full-service credit union offering loans, mortgages, and deposit accounts in one institution
- Scholarship program (Security CU Amplified) providing educational support to members
- Discounted access to Trust & Will estate planning services for members
- Multiple contact channels including social media, phone (810-235-2322), and online banking
- Financial calculators available to help members plan loans and savings
Cons
- Website lacks specific APR ranges, fees, and detailed product terms—requires direct contact
- Membership eligibility requirements not clearly stated online
- Limited information about credit score requirements for loan approval
- No details on mortgage types offered (FHA, VA, conventional, refinance options unclear)
- Geographic service area appears limited to Michigan residents based on available information
Rating Breakdown
Frequently Asked Questions
Is Security Credit Union legitimate?
Yes. Security Credit Union is a registered company, headquartered in 2444 Clark Ave, Detroit, MI 48209.
Quick Facts
- Headquarters
- 2444 Clark Ave, Detroit, MI 48209
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on Security Credit Union
Security Credit Union is best for Michigan residents seeking straightforward banking and lending services from a member-owned credit union with competitive rewards. The main caveat is that the website provides minimal details on rates, fees, and terms—interested applicants must contact the institution directly or visit in person to compare specific APRs and membership requirements.
Best For
- Michigan residents seeking a full-service credit union alternative to traditional banks
- Members interested in simple cash-back rewards without category restrictions
- Borrowers looking for personal loans under $5,000 with quick approval
- Homebuyers in Michigan seeking mortgage services from a credit union
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