State Employees CU Baltimore MD Credit Union | Affordable Vehicle Loans & Top Checking Accounts

Introduction

Welcome to State Employees Cu Of Maryland, Inc, your trusted financial partner located at 250 W Pratt St, Baltimore, MD 21201. Established in 1951, we have grown alongside our community, proudly serving over 261,000 members with a commitment to reliable and personalized banking solutions. At State Employees Cu Of Maryland, we understand that financial stability is crucial for you and your family. With total assets exceeding $5.7 billion and deposits of $423.6 million, we are dedicated to ensuring your money is not only safe but also working hard for you. Our financial strength is reflected in our net worth of $540.1 million, giving you peace of mind as we help you achieve your financial goals. Our diverse services include personal banking options such as checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking solutions. With an impressive portfolio of over 125,000 loans, we strive to cater to every need of our members while maintaining a strong focus on community impact. Led by our CEO, David Sweiderk, and Board President Gayle Seward, our team is committed to providing exceptional service tailored to each member's unique situation. Our friendly staff of 362 employees is ready to assist you during our operating hours: Monday, Tuesday, Thursday from 8:00 a.m. - 3:30 p.m., and Wednesday, Friday from 8:00 a.m. - 5:00 p.m. While members can visit us at our branch address, official correspondence should be sent to the same address: 250 W Pratt St, Baltimore, MD 21201-2423. Ready to take the next step towards your financial future? Call us today at 410-685-5900 or visit our website at www.secumd.org for more information on how we can serve you better!

Branch History & Mission

At State Employees Cu Of Maryland, Inc., we take pride in our rich history and our commitment to serving the community. Established in 1951, our branch has been a cornerstone for financial services in Baltimore, MD. Located at 250 W Pratt St, we are ideally situated near local landmarks, making it easy for members to access our services. Our mission has always been clear: to provide financial support and resources that empower our members and enhance their lives. Over the decades, we've grown alongside our community, achieving significant milestones that reflect our dedication to service. Today, we proudly serve over 261,235 members and manage assets totaling more than $5.7 billion. This growth is not just about numbers; it's about building relationships and fostering trust within the community. Our mission extends beyond mere banking. We aim to provide personal banking solutions including checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and business banking services. We believe in supporting our members through every financial journey they undertake. Whether you're looking to consolidate debt or finance a new vehicle, we're here to help you succeed. While members can visit us at 250 W Pratt St, official correspondence should be sent to 250 W Pratt St, Baltimore, MD 21201-2423. Our operating hours are designed with your convenience in mind: Monday, Tuesday, Thursday from 8:00 a.m. to 3:30 p.m., and Wednesday, Friday from 8:00 a.m. to 5:00 p.m. As we move forward in this digital age, we embrace technology while ensuring accessibility for all members. From online banking and mobile payments to person-to-person transfers our goal is to make banking easier for everyone. Community outreach is also an integral part of our mission. We actively participate in local events and partner with organizations that share our values of support and empowerment. It's not just about what we do; it's about how we can help uplift those around us. Join us at State Employees Cu Of Maryland, Inc., where your financial health is our priority. Experience the benefits of being a member today! For any inquiries or assistance, feel free to reach us at 410-685-5900. We're excited to welcome you into our family!

Branch Location & Accessibility

Welcome to the State Employees Cu Of Maryland, Inc., located at 250 W Pratt St, Baltimore, MD 21201. Our branch is conveniently situated in the heart of Baltimore, making it easy for you to visit us for all your banking needs. Whether you're near the bustling Inner Harbor or just a short walk from the historic Camden Yards, our location is perfect for local residents and visitors alike. At our branch, we prioritize accessibility for everyone. We have dedicated parking spaces and ADA-compliant features to ensure that all members can easily access our services. While you're here, take advantage of our friendly staff who are always ready to assist you with personal banking services, auto loans, mortgages, and more. We understand that your time is valuable, which is why we offer flexible operating hours. You can visit us on Monday, Tuesday, and Thursday from 8:00 a.m. to 3:30 p.m., or come by on Wednesday and Friday when we're open until 5:00 p.m. For any questions or assistance outside these hours, feel free to give us a call at 410-685-5900. While there are no ATMs or drive-thru services available at this location, we invite you to explore our range of online and mobile banking options for added convenience. And if you need to send official correspondence, please note that our mailing address is also 250 W Pratt St, Baltimore, MD 21201-2423. Come visit us today! We look forward to helping you achieve your financial goals right here at State Employees Cu Of Maryland.

Member Eligibility

Becoming a member of State Employees Cu Of Maryland, Inc is like joining a family that truly cares about your financial well-being. To qualify for membership, you need to be a state employee or related to one, making it easy for those in our community to access the benefits we offer. If you're not sure if you meet the eligibility criteria, we encourage you to visit our website at for all the details. Once you've confirmed your eligibility, opening an account is a straightforward process that can be done online or in-person at our branch located at 250 W Pratt St Baltimore Md 21201. Our friendly team is here to assist you every step of the way. Feel free to reach out at (410) 685-5900 if you have any questions. We can't wait to welcome you into our supportive community!

Business Banking & Commercial Services

Practical Merchant Services

In addition to loans, we offer practical merchant services that can simplify your day-to-day operations. Imagine being able to accept payments quickly and securely from customers, all while keeping track of sales effortlessly. Our services help you focus on what matters most growing your business. Visit us at 250 W Pratt St Baltimore Md 21201 in Baltimore, MD, or give us a call at (410) 685-5900 to learn more about how we can support your business journey today!

Tailored Loan Options

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

Business Banking Support

For business owners, our Business Banking services include merchant services and business loans tailored to support your entrepreneurial journey. If you're looking to expand or streamline operations, we provide resources that help make those goals attainable.

Cash Withdrawal Services

While we currently do not have ATMs or drive-thru services at this location, our cash withdrawal services are still designed for simplicity and efficiency during lobby hours. At State Employees Cu Of Maryland, Inc., we aim to provide a comprehensive suite of financial products tailored just for you. If you'd like to learn more about any of these services or get started today, please don't hesitate to call us at 410-685-5900 or visit us online at www.secumd.org. Your financial well-being is just a step away!

Convenient Online & Mobile Banking

In today's fast-paced world, convenience is key. Our robust Online & Mobile Banking platforms allow you to manage your accounts from anywhere at any time. Whether it's checking balances, transferring funds, or paying bills on-the-go, we've made banking accessible and straightforward.

Home Ownership Made Easy

Owning a home is a significant milestone, and our Mortgage Loans & Refinancing services are designed to guide you through the process smoothly. Whether you're purchasing your first home or refinancing for better terms, we're here every step of the way. Imagine turning the key to your new front door knowing you've made a smart financial decision.

Personal Banking Solutions

We understand that managing your finances can sometimes feel overwhelming. That's why we offer Personal Banking services like checking and savings accounts designed to make everyday banking easier. Imagine having a reliable checking account where you can manage your daily expenses effortlessly, paired with a savings account that helps you reach your financial milestones faster.

Personal Loans When You Need Them

Life can throw unexpected expenses your way, and that's where our Personal Loans & Debt Consolidation come in handy. Whether it's for home repairs or consolidating debt into one manageable payment, we've got solutions that can ease financial stress. Think about how much more relaxed you'll feel when everything is simplified into one easy payment.

Rewards with Every Purchase

Our Credit Cards with Rewards not only offer convenience but also give you something back on every purchase. From cash back offers to travel rewards, using our credit card means you're earning while spending an effortless way to enjoy benefits as you shop.

Vehicle Financing

If you're in the market for a new car or need to refinance an existing auto loan, our Auto Loans & Vehicle Financing options are here to help. We provide competitive rates and flexible terms tailored to fit your budget. Picture driving off in your dream car with financing that works for you.

Digital & Online Banking

Convenient Online Access

Our online banking service is available 24/7, giving you the freedom to check balances, pay bills, and transfer funds whenever it suits you. You can also take advantage of our e-statements feature, which allows you to receive your account statements electronically. This not only saves paper but helps you manage your records more efficiently.

Secure and User-Friendly

We prioritize your security with features that protect your personal information while ensuring a smooth banking experience. Our electronic signature authorization feature allows you to complete transactions securely online without the hassle of paperwork. With these digital tools at your fingertips, managing your finances has never been easier. Whether you're checking your account balance or making a quick payment, State Employees Cu Of Maryland, Inc is committed to providing you with all the support you need for effective financial management. Explore our digital offerings today!

Smart Mobile Features

For those who prefer mobile banking, we have a user-friendly mobile application that makes transactions quick and easy. You can make mobile payments seamlessly and even send money directly to friends or family using our person-to-person transfer service. It's a fast way to share expenses or send gifts without needing cash.

Financial Strength

At State Employees Cu Of Maryland, Inc, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share that our financial health is robust, supported by strong metrics that reflect our commitment to you. 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. 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. With $308,586,792 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity supports your financial goals with $13,795 in used auto loans and a total of $4,244,538,519 in loans and leases across various sectors. Our $0 net income reflects our operational efficiency during these times of investment into member services. 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. Net Shares (Funds available for lending and investments): $14,460,580. Total Share and Deposit 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 250 W Pratt St Baltimore Md 21201 or call 410-685-5900 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $202,427,642 in used vehicle loans and $99,306,079 in new vehicle loans already helping members get on the road. Whether you're looking for financing on a brand-new vehicle or a reliable pre-owned option, our competitive rates make it easier than ever to drive away with confidence.

Business Financing

For business owners, our outstanding commercial loans totaling $178,063,755 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to scale an existing business, our lending team is here to support you every step of the way.

Credit Lines

In addition to traditional loans, we offer credit lines that can be utilized for various personal or business needs. With a total of $1,877,392,773 available in credit lines, we aim to provide flexibility for our members during times when unexpected expenses arise. At State Employees Cu Of Maryland, Inc, we strive to ensure that our loan offerings are accessible and beneficial for all members. If you're considering refinancing options or want more information about eligibility requirements, feel free to reach out. You can contact us at (410) 685-5900 or visit us at our branch located at 250 W Pratt St Baltimore Md 21201 in Baltimore, MD. Our dedicated team is ready to assist you during our operating hours: Monday, Tuesday, Thursday from 8:00 a.m. - 3:30 p.m., and Wednesday, Friday from 8:00 a.m. - 5:00 p.m. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you navigate your financial journey today!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $668,187,606, make buying or refinancing simple. We provide various options tailored to fit different budgets and circumstances, making your journey into homeownership straightforward and manageable.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $196,324,858 in loans helping members manage their finances effectively. These cards come with beneficial features that can help you build credit while offering convenience for everyday purchases.

Loan Aggregator

Benefits of Using LendMesh

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Call to Action

Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

How LendMesh Ensures Accurate Loan 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). This commitment to using verified sources ensures that users receive fair and transparent offers tailored to their needs.

State Employees Cu Of Maryland Inc

Type of Loan Offerings

Personal Loans

Vehicle Loans