Awards
June 29, 2026
SECU wins Top Workplaces 2026 award from USA Today
We're proud to be recognized as a Top Workplace — a reflection of the people who show up for members every day.
Read moreServing Maryland since 1951
SECU Credit Union online banking
Checking, savings, auto & home loans, credit cards and digital banking — with lower rates and fewer fees. 25 financial centers and 50,000+ free ATMs across Maryland and beyond.
Top Workplaces 2026NCUA InsuredEqual Housing Lender
Drive now,
pay later.
Enjoy no first payment for up to 90 days on a new or used auto loan.
Learn more & applyOffer expires 7/31/2026
Financial Centers
25 SECU financial centers across Maryland plus 50,000+ surcharge-free ATMs nationwide.
Digital Banking
Account access, transfers, bill pay, Zelle®, mobile deposit and card controls 24/7.
NCUA Insured
Deposits federally insured to at least $250,000 by the NCUA. Equal Housing Lender.
SECU at a glance
A full-service credit union, member-owned
Everything you'd expect from a big bank — with the lower rates, higher deposit rates and fewer fees you'd expect from a Maryland credit union.
25 Financial Centers
Serving members across the state of Maryland.
50,000+ Free ATMs
Surcharge-free access nationwide through the CO-OP network.
Digital & Mobile
24/7 access with iOS & Android apps and online banking.
Zelle® Transfers
Send and receive money fast, right from the SECU app.
Federally insured by NCUA to at least $250,000 — Equal Housing Lender
State Employees Credit Union of Maryland
About SECU
What is SECU?
SECU — the State Employees Credit Union of Maryland — is Maryland's largest state-chartered credit union. Since 1951, we've helped Marylanders bank better with checking, savings, loans, credit cards, insurance and business banking.
As a not-for-profit cooperative, SECU is owned by its members. When we do well, the value comes back to you through lower loan rates, higher deposit rates and fewer fees — all backed by real people at 25 financial centers across the state.
Personal banking
View all accounts Checking & savings that reward you
From everyday checking to certificates and retirement — open and manage it all in-branch or through SECU digital banking.
SECU Total™ Checking & Rewards
Tiered checking that rewards your relationship — no monthly fee, debit card, and digital banking.
Teen Checking
SECU Total™ Checking & Rewards built for teens learning to manage money.
Money Market
Higher yields with easy access and no monthly transaction limits.
Certificate of Deposit (CD)
Guaranteed returns with flexible terms — earn up to 4.00% APY.
Savings & IRA
Open a Share Savings with just $10, or grow retirement with a Traditional or Roth IRA.
Greenlight® for Kids
A debit card and money app that helps kids and teens learn to earn, save and spend.
25
Financial Centers
50,000+
Free ATMs Nationwide
75+
Years Serving Maryland
$250K
NCUA Insured Deposits
Products & services
Everything you need to bank better
Personal and business solutions for every stage of your financial journey — all in one place.
Checking & Debit Cards
SECU Total™ Checking & Rewards with debit card, direct deposit and overdraft options.
Mortgages & Home Loans
Purchase, refinance and a Home Equity Line of Credit from a local Maryland lender.
Auto Loans & Refinance
New, used and first-time buyer auto loans — plus no first payment for up to 90 days.
Visa® Credit Cards
Low rates and uChoose Rewards® you can redeem for cash back, travel and gas savings.
Digital & Mobile Banking
Bill pay, mobile deposit, Zelle®, eStatements and card controls — 24/7 access.
Insurance & Investments
Home, auto and life insurance plus wealth management through SECU Financial.
Mortgages & loans
Local lending, made simple
From your first car to your forever home, SECU offers competitive rates and real decisions made right here in Maryland.
- Home purchase, refinance and Home Equity Line of Credit (HELOC)
- Auto purchase, refinance and first-time buyer loans
- Personal loans, signature loans and preferred lines of credit
- Visa® credit cards with uChoose Rewards®
- Student loans and student loan refinancing
- Local Maryland decisions — Equal Housing Lender
Featured rates
Member rates¹ APR = Annual Percentage Rate. ² APY = Annual Percentage Yield. Rates shown are for illustration and subject to change.
Business banking
Grow your money and your business
Move your business savings into a High-Yield Money Market and watch it grow — with high returns and no transaction limits, plus checking, lending and treasury services.
| Product | Best for | Access |
|---|---|---|
| Business Checking | Payroll & operations | Online banking, debit card |
| Business Savings & Money Market | Reserves & growth | High-yield, no transaction limits |
| Commercial Mortgages | Property & expansion | In-branch application |
| Business Credit | Lines & cards | Revolving credit access |
| Merchant Processing | Accepting payments | Terminals & online checkout |
| Payroll & Treasury | Cash management | Payroll, HR & treasury portal |
Digital banking
Bank anytime, from anywhere
Manage checking, savings, loans and cards 24/7 from the SECU – Maryland app or online — secured with multi-factor authentication.
Account overview
Balances and history across every SECU account in one place.
Mobile check deposit
Deposit checks in seconds right from your phone.
Bill pay
One-time and recurring payments to anyone, nationwide.
Zelle®
Send and receive money instantly with people you trust.
eStatements
Paperless statements and tax documents on demand.
Card controls & alerts
Lock a lost card, set alerts and manage travel notices.
App Store Google Play
Member resources
Here to support your financial journey
SECU shows up for members, business owners and neighbors throughout Maryland.
Save on gas
Redeem uChoose Rewards® points from select SECU Visa® cards for up to 50¢ off per gallon at participating stations.
Apply for a cardWe have your back
Dealing with financial hardship? The SECU Member Relief Center can help you find relief options that fit your situation.
Find reliefAppointments
Schedule an in-person or virtual appointment for new memberships, loans, opening accounts and account servicing.
Schedule an appointmentDrive-up services
Skip the wait with drive-up tellers and self-service ATMs for deposits, withdrawals, transfers and loan payments.
Find a locationWe're here for whatever you need. Seriously.
We show up every day to learn about our members and offer solutions that help them achieve financial well-being.
Welcome to the SECU family
Once you join SECU, you can stay for life — even if you change jobs or move away — as long as you keep at least $10 in your share savings account.
We lead with our hearts
Credit union employees are consistently trusted to provide better service than banks. Our member advisors are invested in your financial well-being.
Seek better
Unlike the big banks, when we make money it comes back to you — through lower rates, higher deposit rates and fewer fees.
Here for you and our community
Because SECU is locally owned, we do business and give back in ways that enrich the lives of people who live and work in Maryland.
Branches & ATMs
Find a location Financial centers across Maryland
25 financial centers statewide plus 50,000+ surcharge-free ATMs nationwide.
Baltimore, MD
Baltimore City
Annapolis, MD
Anne Arundel County
Towson, MD
Baltimore County
Columbia, MD
Howard County
Frederick, MD
Frederick County
Rockville, MD
Montgomery County
Bowie, MD
Prince George's County
Salisbury, MD
Wicomico County
Waldorf, MD
Charles County
Hagerstown, MD
Washington County
Bel Air, MD
Harford County
Glen Burnie, MD
Anne Arundel County
NCUA InsuredEqual Housing LenderZelle® EnabledMobile DepositBill Pay50,000+ Free ATMs
Security & fraud
Your money and identity, protected
SECU uses encryption and multi-factor authentication to protect your accounts, and monitors for fraud around the clock.
Important
SECU will never call, text or email to ask for your password, full card number, PIN or one-time security codes. If a message feels off, don't respond — contact SECU directly.
Call 800-879-7328News & insights
See all news & insights Recent news and insights
Planning
June 23, 2026
Key financial deadlines and dates: July–December 2026
When you can see what's ahead financially, you give yourself the gift of time to plan, make choices and pivot.
Read moreSecurity
June 16, 2026
7 smart ways to avoid travel scams and protect your money
What to know before you pack your bags to protect your money and personal information on the road.
Read moreFAQ
Frequently asked questions
Answers to the questions Marylanders ask about SECU.
SECU (State Employees Credit Union of Maryland) is Maryland's largest state-chartered credit union, with 25 financial centers across Maryland and access to 50,000+ surcharge-free ATMs nationwide. As a member-owned cooperative, SECU returns value through lower rates, higher deposit rates and fewer fees.
Membership is open to anyone who lives, works, worships, volunteers or attends school in Maryland, plus their family members. Open a Share Savings account with as little as $10 and you're a member for life — even if you move away or change jobs.
Yes. SECU deposits are federally insured to at least $250,000 by the National Credit Union Administration (NCUA), a U.S. Government agency. SECU is also an Equal Housing Lender.
Use the Log In button at the top of this page or download the SECU – Maryland app for iOS and Android. First-time users can enroll in online banking, and members can reset a forgotten username or password securely online.
Yes. Zelle® is built into SECU digital and mobile banking so you can send and receive money quickly with people you know and trust.
SECU's routing number is 255076753. Use it for direct deposit, wire transfers and setting up ACH payments.
Hang up immediately. SECU will never call, text or email to ask for your password, full card number, PIN or one-time security codes. If in doubt, contact SECU directly at 800-879-7328.
Get started with SECU today
Becoming a member is easier than you think. With financial centers all across Maryland, 50,000+ free ATMs and a full range of banking services, there are so many reasons to love SECU.