State Employees CU Ellicott City MD | Low Mortgage Rates & Auto Loans

Introduction

Welcome to State Employees Credit Union of Maryland, Inc., your trusted partner in financial wellness located at 10025 Baltimore National Pike, Ellicott City, MD 21042. Since our establishment in 1951, we have been dedicated to serving our community with integrity and commitment. With a proud membership of over 261,000 individuals and total assets reaching an impressive $5,702,055,189, we are here to empower you on your financial journey. At our branch, we understand that managing finances can be challenging. That's why we offer a range of services tailored to meet your needs, from personal banking options like checking and savings accounts to auto loans and mortgage refinancing. Our focus is on making banking accessible and straightforward for everyone. For instance, with total deposits amounting to $423,656,042 and total loans at 125,193, our stability allows us to provide you with competitive rates and personalized service. Led by our dedicated CEO David Sweiderk and Board President Gayle Seward, our team of 362 employees is committed to ensuring that every member feels valued and supported. Whether you're interested in building your savings or exploring loan options, we invite you to visit us or reach out at 800-879-7328. We are here to help you achieve your financial goals. While members can visit us at our Ellicott City location for all your banking needs, official correspondence should be sent to the same address. Explore more about what we offer by visiting our website at www.secumd.org. Join us today and experience the difference of being part of a community-focused credit union!

Branch History & Mission

At State Employees Cu Of Maryland, Inc., we have a rich history that reflects our commitment to serving the community. Established in 1951, our branch has grown alongside the residents of Ellicott City, MD, continually adapting to meet their financial needs. Located at 10025 Baltimore National Pike, we're just a stone's throw away from local landmarks, making it convenient for our members to access us. Over the years, we've expanded significantly, currently boasting over 261,000 members and total assets of $5.7 billion. This growth is not just about numbers; it's about the lives we touch and the dreams we help make a reality. Our mission is simple yet powerful: to provide exceptional financial services while fostering a spirit of community support and outreach. Our operating hours are designed with our members in mind: Monday through Thursday from 9:00 am to 4:00 pm, Friday until 6:00 pm, and Saturday from 9:00 am to 1:00 pm. For those who prefer banking on the go, we offer online and mobile banking solutions, ensuring that you can manage your finances anytime, anywhere. At State Employees Cu Of Maryland, Inc., we believe in giving back. We actively engage in partnerships and community outreach efforts to support local initiatives and charities. Our focus is not only on providing personal banking services like checking accounts, auto loans, and mortgages but also on building strong relationships within our community. We understand that every member's journey is unique. That's why we offer personalized solutions tailored to fit individual needs while maintaining an accessible approach to banking with features like drive-thru service for quick transactions. While members can visit us at 10025 Baltimore National Pike, official correspondence should be sent to the same address for your convenience. If you have any questions or would like more information about joining our credit union family, please don't hesitate to reach out at 800-879-7328. Join us at State Employees Cu Of Maryland, Inc., where you're not just a number; you're part of a community dedicated to your financial well-being. Experience the difference today!

Branch Location & Accessibility

Additional Services at Your Fingertips

While visiting State Employees Cu Of Maryland, Inc, take advantage of our full suite of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and credit cards with rewards, we have everything you need under one roof. If you're in a hurry, our drive-thru service allows for quick and easy transactions without leaving your vehicle. Feel free to reach out at 800-879-7328 if you have any questions or need assistance before your visit. We invite you to stop by our branch today and experience the welcoming environment that sets us apart!

Easy Access and Parking

We understand that accessibility is key when it comes to banking. Our branch is equipped with features that ensure everyone can visit us comfortably, including ADA-compliant ramps and spacious parking. Whether you're stopping by for a quick transaction or need assistance with your account, our friendly staff is here to help.

Operating Hours That Fit Your Schedule

Life can be hectic, but we strive to make banking simpler for you. Our lobby hours are Monday through Thursday from 9:00 AM to 4:00 PM, and on Fridays, we extend our hours until 6:00 PM. We also welcome you on Saturdays from 9:00 AM to 1:00 PM at our drive-thru service for those quick deposits and withdrawals.

Member Eligibility

At State Employees Cu Of Maryland, Inc, we believe in creating a welcoming community where everyone can thrive. Becoming a member is easy and open to those who live, work, or worship in the areas we serve. If you're looking for a supportive financial partner, you'll find that here with us. We prioritize our members and offer personalized services designed to meet your needs. To learn more about the specific eligibility criteria and ensure you qualify, feel free to check out this resource: . Once you're ready to take the next step, opening an account is a breeze! Just give us a call at (800) 879-7328 or visit us at our branch located at 10025 Baltimore National Pike Ellicott City Md 21042. Our friendly staff is here to guide you through the process and answer any questions you may have. Join State Employees Cu Of Maryland, Inc today and start enjoying the benefits of being part of our member-focused family!

Business Banking & Commercial Services

Lending Solutions That Grow With You

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.

Merchant Services for Everyday Needs

In addition to loans, we provide essential merchant services that simplify transactions for your business. Imagine being able to accept payments seamlessly, whether in-store or online. Our services ensure you can focus on what matters most growing your business while we handle the financial details. Visit us at 10025 Baltimore National Pike Ellicott City Md 21042, Ellicott City, MD, and discover how State Employees Cu Of Maryland, Inc can empower your business today!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about buying a new car? Our auto loans and vehicle financing options are tailored to help you hit the road without breaking the bank. We understand that purchasing a vehicle is a big decision, so we offer competitive rates and flexible terms that make it easier for you to drive away in the car of your dreams.

Business Banking

Running a business? We offer robust business banking solutions including merchant services and business loans tailored to meet the needs of entrepreneurs like you. Let us assist in making banking easier so you can focus on what really matters growing your business.

Convenience Features

To enhance your banking experience, we also offer ATM services for easy cash withdrawals, as well as basic drive-thru banking for deposits and withdrawals. You can enjoy quick transactions without leaving your vehicle! In today's fast-paced world, ease of access is essential. That's why at Secu Credit Union - Ellicott City, we prioritize digital banking features like online banking and mobile payments. You can manage your finances conveniently from anywhere, ensuring you're always in control of your money. Ready to explore how these services can benefit you? Reach out to us today at (800) 879-7328 or visit us at 10025 Baltimore National Pike Ellicott City Md 21042 in Ellicott City, MD. Your financial success starts here!

Credit Cards with Rewards

Make every purchase count with our credit cards featuring rewards programs! Whether it's cash back on groceries or travel points for your next getaway, our credit cards are designed with benefits that matter most to you.

Mortgage Loans & Refinancing

For those looking to buy a home or refinance an existing mortgage, we provide comprehensive mortgage solutions. With personalized service and various loan options, our team will work closely with you to find the right mortgage product that suits your budget and long-term goals.

Personal Banking

When it comes to personal banking, we offer checking and savings accounts designed to fit your lifestyle. Whether you're saving for a vacation or managing your monthly bills, our accounts provide the flexibility and features you need. Imagine having easy access to your funds with online and mobile banking; you can check your balance or make transfers right from your phone, any time of day.

Personal Loans & Debt Consolidation

If you're facing unexpected expenses or looking to consolidate debt, our personal loans can provide the support you need. We know life can throw curveballs, and having access to quick cash can be crucial. Our loan specialists will help determine the best approach for your situation.

Digital & Online Banking

Key Features

Our online banking platform allows you to check your account balances, transfer funds, and pay bills with just a few clicks. You can also enjoy the convenience of e-statements, which are available for those who prefer going paperless. This not only helps the environment but also gives you quick access to your financial information whenever you need it. For those on the go, our mobile application is here to help! You can easily access all your accounts right from your smartphone. Plus, with our mobile payments feature, making purchases has never been easier or faster just tap and go!

Security and Accessibility

We take your security seriously. While we don't currently offer electronic signature authorization, rest assured that our systems are designed with top-notch security measures to keep your information safe. Plus, if you ever need to send money to friends or family, our person-to-person transfer feature makes it simple and fast. Whether you're at home or out and about, managing your finances is accessible and straightforward with State Employees Cu Of Maryland, Inc. Experience the freedom of modern banking today!

Financial Strength

Growing Member Trust

The trust our members place in us is evident through our robust membership base of 261,235 individuals who hold a total of 613,109 share accounts. This highlights the confidence that many have chosen to invest their finances with us. 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, Inc is your trusted partner. Visit us at 10025 Baltimore National Pike Ellicott City Md 21042 or call (800) 879-7328 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

Your savings are secure with us. We have $1,705,008,039 in share certificates and $749,692,233 in money market shares, offering stable and rewarding financial growth opportunities tailored just for our members. Unlike traditional banks, we prioritize our members over profits. With non-member deposits at $0, we ensure that our resources focus on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our $0, enabling us to keep offering competitive loan rates and solid financial products for our members. We are also proud to employ 353 full-time employees and 9 part-time employees who are dedicated to providing exceptional service every day.

Our Strong Financial Position

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.

Reinvestment for Your Benefit

We believe in reinvesting in our future together. With $308,586,792 in undivided earnings, we continually enhance our services by investing in innovative banking tools, stronger lending options, and improved security measures to serve you better. Our commitment to lending is evident with $13,795 in used auto loans and $4,244,538,519 in total loans and leases available to support your financial goals across various sectors.

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 offer flexible terms and refinancing options to fit your budget, making it easier than ever to drive away in the vehicle you want.

Business Loans

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 enhance an existing one, our team is here to guide you through the lending process. In addition to these offerings, we provide access to personal loans and debt consolidation options that can help simplify your financial obligations. With our commitment to member service and transparent processes, we're dedicated to helping you make informed decisions about borrowing. If you're interested in learning more about our loan products or checking eligibility for any of our offerings, please feel free to contact us at (800) 879-7328 or visit us at our branch located at 10025 Baltimore National Pike Ellicott City Md 21042 in Ellicott City, 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. Let us help you take the next step toward 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 provide various mortgage solutions tailored to your unique situation, so you can focus on creating lasting memories in your new home.

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. Our credit cards come with rewards programs and no annual fees, allowing you to maximize your purchasing power while keeping costs low.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. You can trust that the information presented is accurate and current. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This commitment to neutrality allows you to make choices based solely on your needs and preferences. - Real-Time Rate Comparisons: The platform provides up-to-date loan rates from multiple institutions, helping users make informed decisions quickly. No more sifting through outdated information; everything is fresh and relevant. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This type of feedback underscores the effectiveness of LendMesh in delivering valuable insights. 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.

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 ensures that all loan offers are fair and transparent, giving users peace of mind as they explore their options.

State Employees Cu Of Maryland Inc

Type of Loan Offerings

Personal Loans

Vehicle Loans