Student listening to headphones.


Music to your ears? We thought so. Right now, when you open a SECU Total™ Checking & Rewards account you’ll receive $250†. And it doesn’t stop there. You’ll immediately have access to every convenient benefit this all-in-one account has to offer from no monthly maintenance fees to credit card rewards.

  • $250† Offer valid 7/17/23 – 3/31/24 for new and existing members without a checking account
  • NEW! Direct Deposit requirement has been waived for currently enrolled UMDCP graduate or undergraduate students

Have we mentioned the Terps tickets? New members will also receive a $50** credit for Terps tickets when they join SECU.

If you want more, check out all the ways you can earn rewards and how this account can grow with you.


Partners for a better Maryland

As Maryland’s largest credit union, it only makes sense for SECU (pronounced see-cue) to partner with the Maryland Terrapins. We share the University of Maryland’s commitment to improving the lives of our state’s students, athletes, and community members.

And we believe that together, we can build a stronger future for Maryland.

Why You Should Become A SECU Member

We could go on and on about why you should choose SECU and how easy it is to join the official banking partner of the Maryland Terrapins, 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.

SECU is Maryland’s largest credit union with 25 branches throughout Maryland and 50,000+ free ATMs nationwide. Plus, you’ll have full access to your accounts through mobile and online banking.

It’s simple to join – just follow the steps below.

Check Eligibility

Thanks to our partnership with UMD, you’re already eligible.
That was easy!

Choose Your Account

We offer a full suite of financial services including checking, savings, credit cards, loans, insurance, and business banking.

Learn More

Open Your Account

Open your new deposit account online today or set up a virtual or in-person appointment if you’d rather talk to a Member Advisor about our loan options. The choice is yours!

What you’ll find at SECU.

Lifetime Ownership

As a credit union, our members are also part owners. So you have a say in the future of SECU, and you’re welcome to stay for life.

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 & lower fees.

Digital Banking

All of the modern banking conveniences are here: bill pay, check deposits, money transfers, you name it—it can all be done from your mobile device.

Virtual Financial Center

Online banking just got easier. Here, you can do most of your day-to-day banking, set up virtual appointments, chat with Member Advisors, and so much more.

Trusted Advice

Our member advisors do what’s right for you, every time. That means they take the time to understand your goals and help you achieve them.

Free Financial Support

Your overall financial wellness is our focus. That’s why we offer free services to help you learn to budget, improve your credit score, plan for retirement, and more.

Dedication to Community

We would be nothing without our local community, so we keep our business here and give back in meaningful ways.

Not-For-Profit Banking

This is how we bring you lower rates and fewer fees. We have absolutely no financial relationships or investments with any brokerage firm.

† $250 offer valid from 7/17/23 – 3/31/24 for new or existing SECU members that open a new SECU TotalTM Checking & Rewards account and meet the following criteria.

New SECU Members: 1) Join SECU and open a checking account during the promo period; 2) Within 90 days of opening checking: Set up e-statements and have qualifying payroll Direct Deposits totaling at least $500/month and at least 2 separate direct deposits post to your checking account*.
Existing SECU Members that do not already have a checking account: 1) Open a checking account during the promo period; 2) Within 90 days of opening checking: Set up e-statements and have at least 2 qualifying payroll Direct Deposits totaling at least $500/month post to your checking account*. Members that already have a checking account or had a checking account after 1/17/23 are not eligible for this offer.

Offer is only available to Maryland residents and residents of surrounding states (DC, DE, PA, VA, WV), as well as University of Maryland College Park students. Residents of other states not listed are not eligible. Qualifying direct deposits include recurring electronic deposits of payroll, pension or Social Security. Person to person, bank transfers or other electronic money transfers, such as those made through internet payment services, do not qualify. All criteria must be met within 90 days of opening checking. SECU will credit one cash bonus of $250 to the primary owner of the new SECU checking account within 60 days of meeting the requirements. Membership and accounts must be in good standing to receive the bonus. Promotional period and offer are subject to change at any time without notice. The promotional bonus is limited to one per member. If you received a bonus for a SECU checking promo in the last 12 months, you are not eligible for this offer. Advertised bonus cannot be combined with any other offer. Membership eligibility required. Bonuses are considered miscellaneous income, and may be reported as income to the IRS on Form 1099-MISC. SECU’s determination of offer eligibility is final. Federally insured by NCUA.

**Direct Deposit requirement waived for currently enrolled UMDCP graduate or undergraduate students. Must join SECU under the UMD Student field of membership to be eligible for this exception. Verification of enrollment status may be required.

Bonus $50 UMDCP Affiliate Ticket Credit Offer for New Members. Offer valid from 7/17/23 – 3/31/24.

Offer valid for new SECU members affiliated with UMD only that establish membership between 7/17/23 – 3/31/24. Ticket credit is provided by Maryland Athletics for the purchase of a future Maryland Athletics ticket. Maximum ticket credit is $50. One ticket credit per membership. Qualifying members will receive the electronic $50 ticket gift card via email from SECU no-reply email ( to the email address on file for the primary member approximately two weeks after all membership requirements are met. $50 gift card is valid on full price single game tickets to any regular season Maryland Athletic event. Gift cards must be provided electronically. Email must be provided in application to facilitate delivery of the gift card. Should you not wish to provide an email address, this offer is void. Membership must be in good standing at the time the credit is provided to be eligible. Member is responsible for the payment of all applicable taxes. Excludes Business, trust, representative payee accounts. No substitutions. Offers are not transferrable. SECU and/or Maryland Athletics reserve the right to change or cancel this offer at any time with or without advance notice. Terms and conditions apply. Tickets purchased from Maryland Athletics are subject to the rules governing the ticket sale. Refer to Maryland Athletics for additional information and disclosures. This offer can be combined with the current $250 checking account promotion. SECU’s determination of offer eligibility is final. Federally insured by NCUA