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SECU


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.secumd.org
800-879-7328
971 Corporate Blvd
Linthicum, MD 21090

SECU is headquartered in Linthicum and is the largest credit union in the state of Maryland. It is also the 66th largest credit union in the nation. It was established in 1951 and as of March of 2025, it had grown to 349 employees and 264,154 members at 26 locations. SECU's CD rates are 4X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in SECU is open to all residents of Maryland by joining the SECU MD Foundation (one-time $10 fee). Employees, retirees and contractors of the state of Maryland; employees of Anne Arundel County; alumni, students, faculty and staff of University System of Maryland Schools; employees of organizations located in Maryland that receive federal, state or local fundin; and employees of more than 500 local Select Employer Groups are also eligible to join.
See current membership details

Reviews (2)

Very Good Personal Service!

Posted by: |

I have used SECU for more than 20 years. They are not perfect, but they try, their staff are always courteous. My loan officer is great, financing several mortgages, and beating a new home builder (Winchester) when their loan interest increased 60 days before closing and I could not find another mortgage in time! SECU came through.

Website good but not great, and despite phone delays, and they ALL have delays, you can get through.

Unfortunately last refi 2 years ago, I had to get a private mortgagee, my loan officer complained they were changing things! After rescuing me on my new home financing, he couldn't help refi from 3.875 to 2.75.

Extremely convenient. Checking services very good, bill pay very good. I have belonged to several others, but SECU is still my main financial institute. I have a Bank of America account, and have closed several other banks and credit unions. Always have at least 2 credit unions, always better than banks.

3

Getting Worse And Worse

Posted by: |

SECU MD; As time goes on this credit union is getting worse & worse not only in it's customer service but also in it's website options. SARA is absolutely useless as is some of their customer agents.
They are becoming like alot of other big companies, upper management doesn't want to know or doesn't care how things below them are in real time or are not being given honest information about customer service.
BUT, on the flip side there are those employees who are performing as expected in the treatment of their customers and do resolve issues and problems.

4


Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #66330
Year Chartered1951
Employees349
Primary Regulator
Profit Margin
Return on Assets - YTD0.41%
Return on Equity - YTD4.54%
Annual Interest Income$64.3MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$5.58B$5.5B
LoansQ1 2025vs Q1 2024$4.37B$3.97B
DepositsQ1 2025vs Q1 2024$4.79B$4.46B
Equity CapitalQ1 2025vs Q1 2024$493.5MM$428.8MM
Loan Loss AllowanceQ1 2025vs Q1 2024$40.8MM$40.4MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$23.6MM$17.3MM
Real Estate OwnedQ1 2025vs Q1 2024$249K$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

SECU Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%$0-Business Savings
0.10%$0-Coverdell Education Savings Account
0.10%$0-Share Savings
0.10%$0-Holiday Savings
0.10%$0-Secured VISA Holding Account

SECU Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.51%*$1m*-Business High Yield Money Market - New Money
OTHER TIERS: 3.00% → $100k - $250k | 3.25% → $250k - $1m
1.59%*$250k*-Business Money Market
OTHER TIERS: 0.50% → $0 - $5k | 0.75% → $5k - $25k | 1.00% → $25k - $50k | 1.19% → $50k - $100k | 1.39% → $100k - $250k
0.30%*$500k*-Advantage Money Manager
OTHER TIERS: 0.20% → $25k - $100k | 0.25% → $100k - $500k
0.20%*$100k*-Money Manager
OTHER TIERS: 0.10% → $2k - $25k | 0.15% → $25k - $100k

SECU Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%*$75k*-SECU Total – Platinum
OTHER TIERS: 0.10% → $0 - $3.5k | 0.15% → $3.5k - $20k | 0.50% → $20k - $75k
0.25%$0-Interest Earning Business Checking
0.15%*$20k*-SECU Total – Gold
OTHER TIERS: 0.10% → $0 - $20k
0.10%$0-SECU Total – Silver
0.05%$1k-SECU Total – Bronze

SECU CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%$500-6 Month CD
4.25%$500-Business 6 Month CD
4.15%$500-9 Month CD
4.15%$500-Business 9 Month CD
4.10%$500-11 Month CD
4.10%$500-Business 11 Month CD
3.80%$500-12 Month Platinum CD
3.80%$500-Business 12 Month Platinum CD
3.70%$500-12 Month Gold CD
3.70%$500-Business 12 Month Gold CD
3.65%$100k-1 Year Jumbo CD
3.65%$100k-Business 1 Year Jumbo CD
3.55%$500-13 Month CD
3.55%$500-1 Year CD
3.55%$500-Business 1 Year CD
3.55%$500-Business 13 Month CD
3.30%$500-3 Year CD
3.30%$100k-2 Year Jumbo CD
3.30%$500-18 Month CD
3.30%$500-2 Year CD
3.30%$500-Business 18 Month CD
3.30%$500-Business 2 Year CD
3.30%$100k-Business 2 Year Jumbo CD
3.30%$500-Business 3 Year CD
3.10%$500-30 Month CD
3.10%$500-Business 30 Month CD
2.85%$500-1 Year Add-On CD
2.85%$500-Business 1 Year Add-On CD
2.55%$500-3 Month CD
2.55%$500-Business 3 Month CD
1.80%$500-5 Year CD
1.80%$500-Business 5 Year CD
1.75%$500-4 Year CD
1.75%$500-Business 4 Year CD
1.40%$500-5 Year Step Up CD
1.40%$500-Business 5 Year Step Up CD

SECU IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.80%$500-12 Month Platinum IRA
3.70%$500-12 Month Gold IRA
3.65%$100k-1 Year Jumbo IRA
3.55%$500-13 Month IRA
3.55%$500-1 Year IRA
3.30%$500-3 Year IRA
3.30%$100k-2 Year Jumbo IRA
3.30%$500-2 Year IRA
3.30%$500-18 Month IRA
3.20%$500-15 Month IRA
3.10%$500-30 Month IRA
1.80%$500-5 Year IRA
1.75%$500-4 Year IRA
1.40%$500-5 Year Step Up IRA
0.10%$0-Roth Contributory IRA
0.10%$0-Roth Conversion IRA
0.10%$0-IRA Savings
Locations

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