State Employees Cu Of Maryland, Inc Credit Union
Headquarters
971 Corporate Boulevard
Linthicum, MD 21090
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Phone 1-410-487-7328
2025 Overview
General Credit Union Information
State Employees Cu Of Maryland, Inc is an NCUA insured institution located in Linthicum, MD. It was founded in 1951 and has approximately $5471.1 millions in assets.
Who can join?
Eligibility is typically based on your affiliation (current or past) with a Maryland employer, agency or organization such as a state university or labor union - or by being related to someone who is eligible.
Most Maryland companies located within a five mile radius of a SECU branch*
Organizations located in Maryland that receive federal, state or local funding
Alumni, full and part-time students, faculty and staff of many Maryland schools
Maryland State Employees; full and part-time, permanent, contractual, former and retired
Past and present employees of any labor union representing state or other employees
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 66330 |
| Date Established | 1951 |
| Assets | $5,471.10 million |
| Loans | $4,338.38 million |
| Deposits | $4,701.69 million |
| Capital | $549.32 million |
Field of Membership Restrictions
Membership in SECU of Maryland is open to 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 funding, and over 500 local Select Employer Groups.
Deposit Rates - May 4, 2025
Your Current Location: New York, NY 10007
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Share
|
0.10% | $10 | - |
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Money Market
|
0.10% | $2,000 | $24,999 |
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Money Market
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0.15% | $25,000 | $99,999 |
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Money Market
|
0.20% | $100,000 | - |
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Premium Money Market Account
|
0.20% | $25,000 | $99,999 |
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Premium Money Market Account
|
0.25% | $100,000 | $499,999 |
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Premium Money Market Account
|
0.30% | $500,000 | - |
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| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Month
|
4.05% | $500 | $99,999 |
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| 9 Month
|
3.75% | $500 | $99,999 |
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| 1 Year
|
3.55% | $500 | $99,999 |
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| 1 Year Jumbo
|
3.65% | $100,000 | - |
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| 13 Month Special
|
3.00% | $500 | $99,999 |
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| 2 Year
|
3.10% | $500 | $99,999 |
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| 2 Year Jumbo
|
3.10% | $100,000 | - |
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| 3 Year
|
3.30% | $500 | $99,999 |
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| 4 Year
|
1.75% | $500 | $99,999 |
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| 5 Year
|
1.80% | $500 | $99,999 |
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Loan Rates - May 4, 2025
Your Current Location: New York, NY 10007
| Home Equity Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| Line of Credit See Table |
4.75% | 4.75% | Varies | |
Compare with 6.99 RATE Line of Credit from Third Federal Savings and Loan
See All Home Equity Rates |
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| Auto Loan Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 3 Year | 2.99% | 2.99% | $726.92 | |
| 4 Year | 3.24% | 3.24% | $556.01 | |
| 5 Year | 3.24% | 3.24% | $451.89 |
| Refinance Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 5 Year Adjustable Conforming See Amortization Table |
7.33% | 6.88% | $2,103.24 | |
| 7 Year Adjustable Conforming See Amortization Table |
7.27% | 7.00% | $2,128.97 | |
| 10 Year Adjustable Conforming See Amortization Table |
7.22% | 7.13% | $2,156.98 | |
| 15 Year Fixed Conforming See Amortization Table |
6.83% | 6.75% | $2,831.71 | |
| 20 Year Fixed Conforming See Amortization Table |
7.19% | 7.13% | $2,505.99 | |
| 30 Year Fixed Conforming See Amortization Table |
7.29% | 7.25% | $2,182.96 |
| Purchase Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 5 Year Adjustable Conforming See Amortization Table |
7.33% | 6.88% | $2,103.24 | |
| 7 Year Adjustable Conforming See Amortization Table |
7.27% | 7.00% | $2,128.97 | |
| 10 Year Adjustable Conforming See Amortization Table |
7.22% | 7.13% | $2,156.98 | |
| 15 Year Fixed Conforming See Amortization Table |
6.83% | 6.75% | $2,831.71 | |
| 20 Year Fixed Conforming See Amortization Table |
7.19% | 7.13% | $2,505.99 | |
| 30 Year Fixed Conforming See Amortization Table |
7.29% | 7.25% | $2,182.96 | |
Compare with 6.655% APR and 6.500% 30-Year Fixed RATE from PenFed Credit Union
See All Mortgage Rates |
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Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.
Branches
Below are State Employees Cu Of Maryland, Inc branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Batavia,New York
State Employees Cu Of Maryland, Inc Locations around zip code 10007
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 234.36 | A | View Lobby Hours | |
| 235.18 | B | View Lobby Hours | |
| 258.05 | C | View Lobby Hours | |
| 258.26 | D | View Lobby Hours | |
| 260.87 | E | View Lobby Hours | |
| 263.22 | F | View Lobby Hours | |
| 265.68 | G | View Lobby Hours | |
| 266.04 | H | View Lobby Hours | |
| 268.57 | I | View Lobby Hours | |
| 269.35 | J | View Lobby Hours | |
| 272.55 | K | View Lobby Hours | |
| 272.66 | L | View Lobby Hours | |
| 273.72 | M | View Lobby Hours | |
| 273.72 | N | View Lobby Hours | |
| 275.92 | O | View Lobby Hours | |
| 279.98 | P | View Lobby Hours | |
| 280.51 | Q | View Lobby Hours | |
| 284.58 | R | View Lobby Hours | |
| 284.61 | S | View Lobby Hours | |
| 286.65 | T | View Lobby Hours | |
| 290.95 | U | View Lobby Hours | |
| 291.87 | V | View Lobby Hours | |
| 348.57 | W | View Lobby Hours |
Climate Policy and Initiatives
STATE EMPLOYEES CU OF MARYLAND, INC is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
State Employees Cu Of Maryland, Inc Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of State Employees Cu Of Maryland, Inc. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| State Employees Cu Of Maryland, Inc | U.S. Average |
|---|---|
| 13.09% | 7.07 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of December 31, 2024, State Employees Cu Of Maryland, Inc had $74,393,786 in non-current loans and $367,137 in owned assets. To cover these potential losses it had $549,323,901 in net worth and $21,681,000 in loans loss reserves. That gives it a Texas Ratio of 13.09%.
Net Worth
| State Employees Cu Of Maryland, Inc | U.S. Average |
|---|---|
| 10.03% | 14.25% |
State Employees Cu Of Maryland, Inc FCU has a net worth of 10.03% versus the BestCashCow average of 14.25. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for State Employees Cu Of Maryland, Inc
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