SECU Credit Union

SECU, a Maryland credit union

SECU presents itself as Maryland's largest state-chartered credit union. Its network consists of 25 financial centers across the state and more than 50,000 free ATMs nationwide. The institution offers a full range of traditional financial services, including checking accounts, savings accounts, credit cards, loans, insurance, and business banking.

Personal services

On the personal side, the credit union offers checking accounts such as SECU Total™ Checking & Rewards, Teen Checking, and a youth debit card with the Greenlight app, as well as the UMD Affinity debit card. Its savings lineup includes savings accounts, money market accounts, certificates of deposit (CDs), and IRA accounts. It also offers Visa credit cards, with balance transfer options and card management services.

Personal lending covers mortgage loans, mortgage refinancing, home equity lines of credit (HELOC), auto loans (purchase, refinancing, and first-time buyer), personal loans, preferred lines of credit, unsecured signature loans, deposit secured loans, assistive technology loans, and student loans with refinancing.

In the insurance area, SECU offers homeowners, auto, life, supplemental, and Medicare insurance. Digital banking includes online services and Zelle®.

Business banking

For businesses, the credit union offers business checking and savings accounts, a high-yield money market account, online banking, commercial loans, commercial mortgages, and business credit. Complementary services include merchant processing, payroll and HR, deposit and treasury services, Zelle®, and the Bank at Work program.

Financial education and community programs

SECU carries out financial education work with programs for adults, students, and youth, covering saving and budgeting, credit and debt, loans, life events, investing and insurance, as well as business financial coaching. It also offers a financial wellness checkup, GreenPath counseling services, and wealth management.

The institution has the SECU MD Foundation, which awards scholarships and funds financial wellness programs. In 2026 it awarded 20 scholarships totaling $200,000. The Promising Futures Fund allows members to directly support Maryland students, and 100% of donations go to the foundation's scholarship and financial wellness programs.

Fraud protection and member resources

The credit union offers resources to report fraud, monitor credit, prevent identity theft and phishing, and protect ATM and card use. It has a member relief center for members facing financial hardship and an appointment service, in person or virtual, for personalized guidance on membership, loan applications or refinancing, account opening, and account management.

Self-service options include drive-up teller services, with cash and check deposits, withdrawals, transfers, loan payments, and other transactions.

Membership and presence

SECU membership lasts a lifetime, even if you change jobs or move away, as long as you maintain a minimum balance of $10 in your share savings account. The credit union describes itself as local and community-oriented, and states that its benefits come back to members through lower rates, higher deposit rates, and fewer and lower fees.

SECU was recognized with a Top Workplaces 2026 award by USA Today. Its product and service offering is completed by a network of free ATMs nationwide and financial centers in Maryland.