State Employees CU Annapolis MD Credit Union | Best Auto Loans & Mortgage Refinancing

Introduction

Welcome to State Employees Credit Union of Maryland, Inc, located at 115 West St, Annapolis, MD 21401. Established in 1951, our credit union has grown into a trusted financial partner for over 261,235 members. With total assets exceeding $5.7 billion and total deposits reaching $423,656,042, we pride ourselves on being a cornerstone of financial stability and community support in Annapolis and beyond. At SECU Credit Union - Annapolis, we believe in making a positive impact on the lives of our members through personalized banking solutions tailored to your needs. Our offerings include everything from personal checking and savings accounts to competitive auto loans and business banking services. With our dedicated team of 362 employees, led by CEO David Sweiderk and Board President Gayle Seward, we strive to provide exceptional service and support to help you achieve your financial goals. While members can visit us at our branch for all their banking needs, official correspondence should be sent to our mailing address: 115 West Street, Annapolis, MD 21401. We invite you to explore our services further by visiting our website at www.secumd.org. Join us today and discover how we can assist you in navigating your financial journey with confidence! For inquiries or assistance, feel free to call us at 410-269-6112. Your financial wellness is our priority!

Branch History & Mission

Community Commitment

Our dedication extends beyond traditional banking services. We actively engage with local organizations and participate in community events that aim to improve the lives of those around us. Whether it's sponsoring educational initiatives or supporting local charities, we are here to make a positive impact. While members can visit us at 115 West St, official correspondence should be sent to the same address as we value open communication with those we serve. Join us at State Employees Cu Of Maryland, Inc., where your financial growth is our priority. Experience firsthand how we can assist you on your journey toward financial wellness by becoming a member today! Visit us online at www.secumd.org for more information about our offerings and community initiatives.

Our Journey

From our humble beginnings, we have continually adapted to meet the needs of our members and the community. Situated at 115 West St, Annapolis, MD 21401, our branch is easily accessible for those looking to visit us in person. The area is known for its historic charm and lively atmosphere, making it a great place for both business and personal banking. Our commitment to member service has been unwavering. We strive to create an inclusive environment where everyone feels welcome and valued. This commitment is reflected in our various services ranging from personal banking options like checking and savings accounts to auto loans, mortgages, and credit cards with rewards.

Our Mission

At State Employees Cu Of Maryland, Inc, our mission is clear: to empower our members through comprehensive financial solutions while fostering community support. We understand that financial health plays a crucial role in individual well-being. That's why we work tirelessly not just to provide banking services but also to educate and uplift our community through outreach programs and partnerships. We believe in accessibility for all; therefore, we offer ADA-compliant facilities that ensure everyone can benefit from our services. Our operating hours are convenient too open Monday from 9:00 a.m. to 3:00 p.m., allowing you ample time to visit us or reach out via phone at 410-269-6112 for any inquiries.

Branch Location & Accessibility

Connect With Us

Have questions or need assistance? Feel free to give us a call at 410-269-6112. Our friendly staff is eager to help you navigate your financial journey. We look forward to welcoming you into our branch soon!

Nearby Landmarks and Accessibility

Located just a stone's throw away from popular spots like the Maryland State House and the bustling City Dock, our branch is situated in a vibrant part of town. Getting here is a breeze, with ample street parking available nearby. We also prioritize accessibility for all our members; our facility is ADA compliant, featuring ramps and wide entrances to ensure everyone can visit us comfortably.

Operating Hours

We are open Monday through Friday from 9:00 a.m. to 3:00 p.m., making it easy for you to stop by during your day. Our team is ready to assist you with everything from personal banking to auto loans and mortgage services. While members can visit us at 115 West St, please send any official correspondence to our mailing address: 115 West Street, Annapolis, MD 21401.

Services Offered

At State Employees Cu Of Maryland, Inc., we offer a range of services tailored to fit your financial needs. Whether you're looking for checking and savings accounts, auto loans, or credit cards with rewards, we've got you covered. Plus, enjoy the convenience of online and mobile banking right from your phone!

Member Eligibility

At State Employees Cu Of Maryland, Inc, we believe that everyone deserves a place in our welcoming community, where members support each other and thrive together. If you're wondering how to join us, it's quite simple! Membership is open to those who work for or are retired from the State of Maryland, as well as their family members. This means if you have a loved one who is part of this group, you can join in on the benefits too! Becoming a member at State Employees Cu Of Maryland, Inc not only gives you access to personalized financial services, but it also connects you with a network of individuals dedicated to helping each other succeed. Ready to take the next step? Opening an account is easy! For more details on eligibility criteria, feel free to visit our website at . If you have any questions or need assistance, don't hesitate to call us at (410) 269-6112. We're excited to welcome you into our community and help you reach your financial goals!

Business Banking & Commercial Services

Merchant Services That Make a Difference

Imagine streamlining your payment processes and enhancing customer satisfaction. Our merchant services offer just that. Whether you're a local retailer or an online service provider, our tools simplify transactions, making it easier for you to focus on what matters growing your business. Visit us at 115 West St Annapolis Md 21401 in Annapolis, MD or give us a call at (410) 269-6112 to learn how we can partner with you to achieve your business goals!

Supporting Business Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $314 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $74 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $178,063,755, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about purchasing a new vehicle? Our auto loans and vehicle financing options make it easy for you to drive away in your dream car without breaking the bank. With competitive rates, we help ensure that you're not just buying a car but investing in reliable transportation for work or family outings.

Business Banking

We also cater to local businesses with our comprehensive business banking services, which include merchant services and business loans. Supporting local entrepreneurs is essential to us, so we offer tailored solutions that help businesses thrive in our community.

Credit Cards with Rewards

Looking for a way to earn while you spend? Our credit cards with rewards allow you to benefit from every purchase. Whether you're dining out or shopping for essentials, you'll earn points that can be redeemed for exciting perks down the road.

Digital Banking Features

In today's fast-paced world, having access to digital banking features is vital. At State Employees Cu Of Maryland, Inc, we pride ourselves on offering robust online and mobile banking tools. From making quick transactions through person-to-person payment options to managing accounts effortlessly through our app, we ensure that banking with us fits seamlessly into your busy life. To learn more about how State Employees Cu Of Maryland, Inc can assist you with these services or if you have any questions, feel free to reach out at (410) 269-6112 or visit us at 115 West St Annapolis Md 21401 in Annapolis, MD. We look forward to serving you!

Mortgage Loans & Refinancing

For those looking to buy a home or refinance an existing mortgage, our team is here to guide you through the process. Our mortgage loans are designed with flexible terms that fit various budgets and needs. We aim to make homeownership accessible, helping you find a loan that suits your lifestyle.

Personal Banking

Our personal banking services are tailored for individuals and families alike. You can open a checking or savings account with us to manage your finances easily. We understand that life can be unpredictable, so having access to your funds is crucial. That's why our online and mobile banking platforms allow you to view balances, transfer money, and pay bills from anywhere at any time. Imagine being able to check your account right from your phone while waiting in line at the grocery store!

Personal Loans & Debt Consolidation

Life can sometimes throw unexpected expenses your way. Whether it's medical bills or home repairs, our personal loans and debt consolidation services provide an effective solution. This helps simplify your payments into one manageable monthly amount, giving you peace of mind as you tackle your financial goals.

Digital & Online Banking

Key Services

We offer a range of user-friendly features to help streamline your banking experience. For instance, our e-statements make it simple to keep track of your account activity without the clutter of paper statements. Plus, if you need to send money quickly to a friend or family member, our person-to-person transfer feature allows for easy transactions right from your mobile device. Speaking of mobile devices, our mobile application is available for download, making it even easier to manage your finances from anywhere. You can take advantage of mobile payments too, which means paying for goods and services is just a tap away!

Security and Accessibility

Your security is a top priority for us. While we don't currently offer electronic signature authorization, rest assured that all your online transactions are protected by robust security measures. Our online platform is designed to be intuitive and straightforward so that members of all ages can navigate with ease. With real-time account management at your fingertips, you can stay on top of your finances effortlessly. Whether you're checking balances or making quick payments, State Employees Cu Of Maryland, Inc provides the tools you need to bank confidently. Experience the freedom and flexibility of digital banking today! Visit us at https://www.secumd.org/ to learn more about how our services can benefit you.

Financial Strength

Commitment to Excellence

Our operational efficiency is reflected in our net income of $0, which helps us maintain competitive loan rates and solid financial products for our members. We also take pride in having 353 full-time employees and 9 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable team dedicated to your success. In addition to these strengths: - Net Shares (Funds available for lending and investments): $14,460,580. - Total Share Accounts: 613,109, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, State Employees Cu Of Maryland is your trusted partner. Visit us at 115 West St Annapolis Md 21401 or call 410-269-6112 to learn more about how we can help you achieve your financial goals.

Investing in Your Future

With $308,586,792 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals across various sectors with $13,795 in used auto loans and a total of $4,244,538,519 in loans and leases available.

Member Savings and Security

Members' savings are secured through $1,705,008,039 in share certificates and $749,692,233 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Our Financial Health

With a net worth of $540,110,846, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 945% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans provide some of the most competitive rates in the industry. We have already issued $202,427,642 in used vehicle loans and $99,306,079 in new vehicle loans, making it easier for our members to get on the road with confidence. Whether you're interested in purchasing a brand-new vehicle or a reliable used one, we can help make that happen.

Business Loans

For business owners, our outstanding commercial loans totaling $178,063,755 offer the capital needed to grow and expand your business. We understand the unique challenges faced by entrepreneurs and aim to provide tailored solutions that meet your specific requirements. At State Employees Credit Union of Maryland, Inc., we strive to ensure our loan offerings are accessible and beneficial for all our members. If you're considering refinancing or want to know more about eligibility options, feel free to reach out to us at 410-269-6112. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore our loan products today and see how we can help you take the next step toward achieving your financial goals!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $668,187,606, simplify the process of buying or refinancing your home. We are committed to helping you navigate your journey toward homeownership with clarity and support.

Unsecured Credit Card Loans

We also provide flexible terms on unsecured credit card loans, with a total of $196,324,858 in loans assisting members manage their finances effectively. Our credit cards come with rewards and benefits tailored to suit your lifestyle, making it easier for you to spend responsibly.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov), ensuring fair and transparent offers. This commitment to accuracy means that users can trust the information they see when exploring loan options.

State Employees Cu Of Maryland Inc

Type of Loan Offerings

Personal Loans

Vehicle Loans