State Employees CU Columbia MD Credit Union | Affordable Vehicle Loans & Quick Personal Loans

Introduction

Welcome to State Employees Credit Union of Maryland, Inc., proudly serving the Columbia community since 1951. Located at 8630 Snowden River Pkwy, Columbia, MD 21045, we are dedicated to providing financial solutions that empower our members to achieve their goals. With a robust membership of over 261,235 individuals and total assets exceeding $5.7 billion, we take pride in being a trusted partner in your financial journey. At our Columbia branch, you can expect more than just banking; you'll find a friendly team ready to assist you with services ranging from checking and savings accounts to auto loans and personal financing. We understand that every member has unique needs, which is why we offer tailored solutions designed with you in mind. With over 362 employees committed to exceptional service, our team is here to ensure your experience is seamless and supportive. While you can visit us at our branch for all your banking needs, please note that official correspondence should be directed to the same address: 8630 Snowden River Pkwy, Columbia, MD 21045. Our total deposits stand at an impressive $423,656,042, showcasing the trust our members place in us. With a net worth of $540,110,846 and cash in hand totaling $30,755,103, we are not just financially stable; we are thriving. Under the leadership of CEO David Sweiderk and Board President Gayle Seward, we prioritize community engagement and member satisfaction. We believe that when our members succeed, we all succeed. Whether you're looking for competitive rates on loans or comprehensive online banking services, we're here to support you every step of the way. Ready to learn more about how we can help you? Feel free to call us at 410-730-7455 or visit our website at www.secumd.org. Join us today and discover why so many have chosen State Employees Credit Union of Maryland as their trusted financial partner!

Branch History & Mission

Welcome to the State Employees Credit Union of Maryland, Inc., a cornerstone of financial support in Columbia, MD, since 1951. Our journey began with a simple yet powerful vision: to provide accessible and affordable financial services to those who serve our state. Over the decades, we have proudly evolved into a trusted partner for over 261,000 members, offering a wealth of resources and personalized banking experiences. Located at 8630 Snowden River Pkwy, Columbia, MD 21045, our branch is not just a place for transactions; it's a community hub where your financial goals take center stage. You can easily find us near the bustling Columbia Crossing II shopping area, making your visit convenient and enjoyable. As we've grown from our humble beginnings, our mission has remained steadfast: to empower our members through excellent service and innovative solutions. We strive to enhance the financial well-being of our community by providing a wide range of services including checking and savings accounts, auto loans, mortgages, personal loans, and business banking options. Our commitment extends beyond financial transactions; we actively engage in community outreach initiatives that aim to uplift those around us. At State Employees Credit Union of Maryland, Inc., we recognize that each member has unique needs. That's why we've embraced modern technology while ensuring compliance with accessibility standards so everyone can benefit from our offerings. Whether you prefer online banking or mobile payments, our digital platforms are designed to make managing your finances easy and efficient. In addition to our commitment to service excellence, we are proud of our total assets exceeding $5.7 billion, reflecting our stability and trustworthiness. Our dedicated team works tirelessly to ensure that every member feels valued and supported in their financial journey. While you can visit us at 8630 Snowden River Pkwy, official correspondence should be sent to 8630 Snowden River Pkwy, Columbia, MD 21045 if different. With operating hours Monday through Friday from 9:00 a.m. to 4:00 p.m., and Saturday from 9:00 a.m. to 12:00 p.m., we're here when you need us. Join us as we continue this legacy of service and community support. Experience the benefits of membership with State Employees Credit Union of Maryland, Inc., where your financial success is our priority! For more information or assistance, please call us at 410-730-7455 or visit our website.

Branch Location & Accessibility

Convenient Access and Amenities

At our Columbia branch, we prioritize your convenience. While you can visit us at our main location for all your banking needs, please note that official correspondence should be sent to the same address: 8630 Snowden River Pkwy, Columbia, MD 21045. Our location features ample parking and is fully ADA compliant, ensuring accessibility for all our members. For those on the go, we offer drive-thru banking services for quick deposits and withdrawals. Unfortunately, we currently do not have ATM services available at this location; however, our friendly staff are always ready to assist you with any transactions you may need.

Join Us Today!

With a range of personal banking services including checking and savings accounts, auto loans, mortgage refinancing, and more, State Employees Credit Union of Maryland is committed to supporting your financial journey. If you have any questions or want to explore what we offer further, feel free to give us a call at 410-730-7455 or drop by our branch! We look forward to serving you soon!

Operating Hours

We understand that life can be busy, which is why our operating hours are designed to accommodate your schedule. We're open Monday through Thursday from 9:00 a.m. to 4:00 p.m., Friday from 9:00 a.m. to 6:00 p.m., and Saturday from 9:00 a.m. to 12:00 p.m. Whether you need help opening an account or discussing loan options, we're here for you during these hours.

Member Eligibility

Joining State Employees Cu Of Maryland, Inc means becoming part of a supportive community where your financial needs are prioritized. If you live, work, worship, or attend school in Howard County, Maryland, you're already on your way to eligibility! We welcome individuals who are dedicated to their community and looking for personalized banking solutions. With a range of services tailored just for you like checking and savings accounts, auto loans, and credit cards with rewards you'll find that being a member comes with great perks. To learn more about the specific eligibility criteria, feel free to check out our detailed information at . It's easy to get started; simply reach out to us at (410) 730-7455, or visit us at our location: 8630 Snowden River Pkwy Columbia Md 21045. We can't wait to help you open an account and start your journey with us!

Business Banking & Commercial Services

Merchant Services that Matter

In addition to loans, our merchant services make daily transactions easier for local businesses. Whether you're processing payments or managing cash flow, our services are designed to simplify operations. This means more time for you to focus on what you do best growing your business! Located at 8630 Snowden River Pkwy Columbia Md 21045, Columbia, MD, our team is here to assist you every step of the way. Join us at State Employees Cu Of Maryland, Inc and take your business to the next level!

Our Commitment to Supporting Businesses

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 Solutions

For entrepreneurs and small businesses, our Business Banking services provide essential tools like merchant services and business loans. We understand the challenges of running a business and aim to support your growth with financial solutions that are both effective and straightforward.

Convenient Access Anytime

We know that convenience is key when it comes to banking. That's why we offer robust Online & Mobile Banking features along with ATM and cash withdrawal services to give you access whenever you need it. Our basic drive-thru banking allows for quick deposits and withdrawals without leaving your car perfect for those busy days! At State Employees Cu Of Maryland, Inc, we are committed to ensuring that our members receive the best financial support possible. If you're interested in learning more about any of our services or have questions about how we can assist you further, don't hesitate to reach out! You can contact us at 410-730-7455 or visit us during lobby hours from Monday to Friday between 9:00 AM - 4:00 PM and Saturday from 9:00 AM - 12:00 PM. Your financial well-being is important to us! Let's work together towards achieving your goals today!

Flexible Loan Options

Life can be unpredictable, but with our Personal Loans & Debt Consolidation services, you can tackle those unexpected expenses head-on. Whether it's consolidating debt or funding a special project, we're here to assist you in finding the right loan product. Plus, don't forget about our Credit Cards with Rewards, which allow you to earn benefits while making everyday purchases who doesn't love rewards?

Personal Banking Made Easy

For individuals looking for reliable banking solutions, our Personal Banking services include checking and savings accounts that help you manage your day-to-day transactions effortlessly. Imagine being able to track your spending and savings goals through our user-friendly online and mobile banking platforms. With just a few taps on your smartphone, you can check balances, transfer money, or even pay bills. If you're considering buying a new car or refinancing an existing loan, our Auto Loans & Vehicle Financing options are tailored to fit various budgets. Picture yourself driving off in that new vehicle with financing that works for you. Additionally, we offer Mortgage Loans & Refinancing to help make homeownership attainable. Our team is ready to guide you through the mortgage process so that you can find the perfect fit for your family.

Digital & Online Banking

Enhanced Security

We prioritize your safety with secure access protocols that protect your information. Although we do not currently support electronic signature authorization, we ensure that all transactions are secure. Additionally, e-statements are available for those who prefer paperless options keeping your information organized while reducing clutter. With these features combined, managing your finances has never been easier or safer. Join us at State Employees Cu Of Maryland, Inc and experience the freedom of digital banking today!

Key Features

Our online banking service is available 24/7, allowing you to check balances, transfer funds, and pay bills whenever it suits you. No more waiting in lines or rushing before closing time; everything you need is just a click away. Plus, with our mobile application, you can manage your money right from your smartphone. Whether you're at work, running errands, or relaxing at home, your credit union is always within reach. Need to send money to a friend? Our person-to-person transfer feature makes it quick and easy. Just a few taps on your device, and you're done! You can also enjoy the added benefit of mobile payments for those times when you're out and about leave your wallet behind and pay securely with just your phone.

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 dedicated to providing a safe and reliable banking experience for all our members at our branch located at 8630 Snowden River Pkwy, Columbia, MD 21045. If you ever have questions or need assistance, feel free to reach out to us at 410-730-7455. 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, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $13,795 in used auto loans and $4,244,538,519 in total loans and leases. Our operational efficiency is reflected in our $0 net income, which means we are committed to managing our resources wisely while still delivering quality service to 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 and committed team. Net Shares (funds available for lending and investments) amount to $14,460,580 while Total Share Accounts stand strong at 613,109, showing a robust 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 8630 Snowden River Pkwy or call 410-730-7455 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. We also provide refinancing options if you're interested in lowering your current monthly payments.

Business Financing

For business owners, our outstanding commercial loans totaling $178,063,755 provide the capital needed to grow and expand your business. Whether you're starting fresh or looking to expand operations, we have solutions designed to support your entrepreneurial journey. At State Employees Cu Of Maryland, Inc, we're committed to providing personalized service and guidance throughout your borrowing experience. For more information on our loan offerings, feel free to reach out at (410) 730-7455 or visit us at 8630 Snowden River Pkwy Columbia Md 21045, Columbia, MD. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We're here to help you take the next step towards achieving your financial dreams!

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 are here to guide you through each step of the process.

Unsecured Credit Cards

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 competitive rates and rewards that can enhance your spending power.

Loan Aggregator

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Ensuring 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 means users can trust that the offers they see are fair and transparent. By tapping into verified financial institutions, LendMesh ensures that every loan comparison is based on accurate information.

State Employees Cu Of Maryland Inc

Type of Loan Offerings

Personal Loans

Vehicle Loans