Get a HELOC with a 0.99%* interest rate for 12 months - and as low as 3.50% thereafter. We challenge you to find a better deal in Maryland (or anywhere else for that matter)! There's no smarter - or cheaper** way to borrow.

  • • No closing costs*
  • • No points
  • • No application fee
  • • No annual fee 
  • • Easy access to funds 
  • • Tax deductible interest*

Apply Now


Not a SECU credit union member? Not to worry.

You don't have to be a state employee to join SECU. Most Marylanders are connected to SECU through a family member, employer, college or university affiliation (past or present), or other organization - and joining is easy.

Learn more »
*APR = Annual Percentage Rate. Introductory rate of 0.99% APR is a fixed rate for twelve months. Offer is valid on qualified new home equity line of credit applications received between February 3, 2014 and December 31, 2015 with a minimum initial draw of $20,000 and a maximum 90% Combined Loan-to-Value Ratio (CLTV). The introductory rate requires a direct loan payment from a SECU account. The annual percentage rate in effect after the expiration of the introductory rate is a variable rate that is based on the value of an index. The index is the Prime Rate and is published in the Wall Street Journal. To determine the annual percentage rate that will apply to your line, we apply a margin of 0 to -.50% from the value of the index, subject to a minimum APR of 3.50%. The post introductory annual percentage rate is currently as low as Prime -.50% for CLTV’s of 80% or less, and Prime minus 0% for CLTV’s up to 90%. The minimum APR is 3.50%. The maximum APR is 18%. Subject to credit approval. Certain restrictions apply. SECU advances costs for appraisals, credit reports and closing costs on Lines of Credit with loan amounts of less than $300,000. Closing costs generally range from $850 to $1,000 on a $20,000 line of credit. If line of credit is closed within 24 months of original note date, closing costs must be reimbursed to SECU by borrower. Adequate property and flood insurance required, if applicable. Consult your tax advisor regarding deductibility of interest. This promotion is for a home equity line of credit on primary residences only.

**According to DataTrac survey of the top 25 lending institutions in Maryland as of 1/8/14.

Federally insured by NCUA. SECU is an Equal Housing Lender.