MORTGAGE SERVICING NOTICE
We’re Now Servicing Select Members’ Mortgages from Colonial Service
Effective February 19, 2026, Security First Credit Union will begin servicing mortgages previously
serviced by Colonial for members who received a transfer letter notification.
As your credit union, we’re committed to providing personal, local service. If you have questions during this transition, our Mortgage team is ready to help.
What You Need to Do
- Starting February 19, 2026, send payments
to Security First Credit Union. - Watch for additional details in your mailbox soon.
- Log in to Online Banking to manage payments.
After February 19, 2026
Make payments to:
Security First Credit Union
Attn: Mortgage Department
P.O. Box 4829
McAllen, TX 78502
After February 19, 2026, you can make payments through Online Banking, in person, by mail, or by phone.
Refer to the FAQ section below for additional details.
FAQs
No. The terms of your loan (e.g., your interest rate, the length of your loan, and other key aspects of your mortgage) are not affected by this servicing transfer. In some cases, small adjustments may occur due to factors such as escrow analysis, recent payments, and other research conducted during your loan’s onboarding. Any changes will be reflected in your Security First Credit Union statements, and we’ll be happy to explain them.
Security First Credit Union offers several easy payment options:
-
- Online Banking and Mobile App: Make one-time transfers, schedule future transfers, or set up recurring transfers utilizing the Bill Pay or Transfers features through Online Banking.
- By Mail: Please send 10 days prior to the due date to allow sufficient processing time.
Mail to: Security First Credit Union, Attn: Mortgage Department, P.O. Box 4829, McAllen, TX 78502.
- In-Person: Please visit any of our nine branch locations to make a payment in person.
- Pay by Phone: Please contact our Call Center at 956-661-4000, opt. 7 (the fee will be waived during the transition period. Thereafter, a $15.00 fee does apply for Pay by Phone payments).
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- External AutoPay: Continue an AutoPay set up from another financial institution to Security First Credit Union. Tip: Make sure to update your payee information to Security First Credit Union with your other financial institution.
If you are a first-time Online Banking account user, please visit securityfirstcu.com and click on the Online Banking icon on the homepage.
- A login page will open. Under the login fields, please click on “Enroll in online banking” to get started.
- You will need to provide your account number, Social Security number, date of birth, and ZIP code, and click Continue.
- Once you sign up and log in to Online Banking, please click “Mobile” from the top navigation menu to add your mobile device and manage settings. Visit your mobile app store to download the Security First Credit Union mobile banking app and manage your finances on the go!
For assistance with setting up access to Online Banking, please contact our Call Center at 956-661-4000.
If a payment coupon is attached to your welcome letter, you can use it to mail your first payment. If no coupon is attached to your welcome letter, you will receive additional correspondence, including a coupon, within 15 days of your transfer date.
You can also pay without a coupon by sending a check or money order with your Security First Credit Union loan number included in the memo, and mail it to:
Security First Credit Union
Attn: Mortgage Department
P.O. Box 4829
McAllen, TX 78502
If you use an online or bill payment service from another financial institution, please update the Payee Information to:
Security First Credit Union
Attn: Mortgage Department
P.O. Box 4829
McAllen, TX 78502
During the first sixty (60) days after the transfer date, your previous mortgage servicer will forward any payments they receive to Security First Federal Credit Union, and we will apply the payment to your loan.
Yes. Every month, you will receive a detailed statement in the mail with an attached payment coupon that you may use to remit your payment. You can also set up payment options through bill pay or transfers through your online banking account.
Yes, if you currently have escrow funds held for the payment of your taxes and/or insurance premiums, Security First Credit Union will continue collecting these funds and making those payments, even payments due during the loan transfer period. If you have a tax repayment plan or are on a deferral tax plan with your local taxing authority, our policy regarding these plans may be different than your previous servicer. Please contact Security First Credit Union at 956-661-4000 to confirm.
Security First Credit Union complies with the Real Estate Settlement Procedure Act, which requires us to perform a periodic analysis of your loan. Security First Credit Union generally performs an escrow analysis annually on loans shortly after we make the largest scheduled disbursements from your escrow account. This is usually your property tax payment.
Security First Credit Union requires a 2-month cash reserve in your escrow account, unless your state requires a shorter period. This may cause an adjustment to the total monthly payment if your prior servicer used a different cash reserve. You will receive an escrow review statement each time an analysis is performed, detailing the history of the escrow account and providing notice of any changes to the total monthly payment.
Yes. Please ask your insurance carrier to change the mortgagee clause to:
Security First Credit Union
Its Successors and/or assigns
P.O. Box 4829
McAllen, TX 78502
You can change your mailing address, telephone number, and email address by contacting our Call Center at 956-661-4000, Monday through Friday from 8:00 a.m. to 6:00 p.m.
You may request a written payoff quote by calling our Call Center at 956-661-4000. To ensure all payoff amounts quoted are accurate, we do not provide verbal payoff information.
If your account was modified prior to the transfer, the modification terms will remain unchanged. If you are working on your modification but have not finalized it, we will contact you within 30 days of your loan being transferred to go over the next steps. If you have questions regarding your pending modification, please contact Security First Credit Union at 956-661-4000, Monday through Friday from 8:00 a.m. to 6:00 p.m.
If you were already on a trial plan prior to the transfer, we will accept your trial plan payments in accordance with its terms. Please note that you must continue to make your trial plan payments to us. We will contact you within 30 days of your loan being transferred to go over the next steps.
We encourage you to take advantage of the convenience of accessing your loan information securely through free Online Banking or Mobile Banking at securityfirstcu.com. If you prefer to speak to one of our representatives, please contact our Call Center at 956-661-4000, Monday through Friday from 8:00 a.m. to 6:00 p.m.
Please send in a copy of your orders to report for active duty to:
Security First Credit Union
Attn: Mortgage Department
P.O. Box 4829
McAllen, TX 78502
Yes. If you have been paying premiums for life, disability, accidental death insurance, or other optional products, these polices may not transfer to Security First Credit Union and may be canceled. To continue your coverage of these products, you should contact your product provider to discuss options to remit your premiums directly to them.
Texas Residents: COMPLAINTS REGARDING THE SERVICING OF A MORTGAGE SHOULD BE SENT TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TX 78705. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 877-276-5550. A complaint form and instructions may be downloaded and printed from the Department website located at www.sml.texas.gov or obtained from the department upon request by mail at the address above, by telephone at its toll-free consumer hotline listed above, or by email at [email protected].
