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Why SECU? Banking & Loans with Lower Rates, Fewer Fees | SECU Credit Union

 
SEEK ON - From mortgages to home equity loans, whatever you seek to do, we're here for you.

Why SECU?

We could go on and on about why you should choose SECU and how easy it is to join, but first, a bit about us. Pronounced see-cue, we’re not a bank, but a not-for-profit credit union—a safer, smarter banking alternative with way better benefits.

We offer a full set of traditional financial services like checking, savings, credit cards, loans, insurance, and business banking. But unlike the big banks, our responsibility is to you, not the financial industry.

Becoming a SECU member is easier than you think

Gone are the days when you had to be a Maryland state employee to join SECU. Now, there are so many ways to be eligible (more than 1,900!) that you’re probably a shoo-in.

Serving all your financial needs, all in one place

SECU is Maryland’s largest credit union with 22 branches throughout Maryland and 10,000+ free ATMs. Plus, you’ll have full access to your accounts through mobile and online banking.

More member benefits to enjoy for life

Lifetime Membership Icon 

Lifetime membership:

Once you join SECU, you can stay for life (even if you change jobs or move away), so long as you maintain at least a $10 balance in your Share Savings Account.
Lower Rates, Lower Fees Icon 

Lower rates, fewer fees:

Unlike the big banks, when we make money, it comes back to you through lower loan rates, higher deposit rates, and fewer and lower fees.
Digital Banking Icon 

Digital banking:

Pay bills, deposit checks, transfer money and securely manage all your other day-to-day banking tasks on your computer or mobile device.
Outstanding Credit Union Service Icon 

Outstanding credit union service:

Credit union employees are consistently trusted to provide better service than banks. Our relationship bankers know the ins and outs of every product and are invested in your financial well-being.
Free Financial Wellness Program Icon 

Free financial wellness program:

Learn to budget, improve your credit score, plan for retirement and more with educational tools, workshops and personal financial counseling.
Dedication to Community Icon 

Dedication to community:

Because SECU is locally owned, you can rely on us to do business and give back in ways that enrich the lives of the people who live and work our community.
Discounted Tickets Icon 

Discounted tickets:

Members save on tickets to SECU Arena events, including Towson University sports, Baltimore Blast soccer games and concerts.

Are you eligible to join? (Probably!)

If one of the following applies to you, SECU membership is only a few steps away.
  • You have a family member who is a SECU member
  • You are employed by a MD state agency or organization (past or present)
  • You attended or are employed by a MD college or university (past or present)
  • You are employed by one of our 1,900+ Affiliated Employers
  • You are donating to the SECU MD Foundation
Ready to Join! Get Started

We’re responsible to our members, not Wall Street.

SECU is not-for-profit.
That means the money we make comes back to you in the form of lower loan rates, higher deposit rates and fewer/lower fees.

We employ prudent and conservative lending and investment practices. It is our priority to earn each member’s trust and to constantly strive to exceed member expectations while not putting the institution at risk.
Need Answers? See our Frequently Asked Questions
SECU has no (zero) exposure to the brokerage community. We have no financial relationships or investments with any brokerage firm.

If you have concerns about accounts you may have with other institutions, there’s no better time to consider switching to SECU.