State Employees CU Salisbury MD Credit Union | Affordable Auto Loans & Business Banking

Introduction

Welcome to State Employees Credit Union of Maryland, Inc, your trusted partner in financial well-being, located at 1101 Mount Hermon Rd, Salisbury, MD 21804. Since our establishment in 1951, we have proudly served over 261,000 members, providing a wide range of banking services tailored to meet your needs. With total assets exceeding $5.7 billion and deposits amounting to $423,656,042, we are committed to fostering a strong financial community. At State Employees Credit Union, we understand the importance of personal touch in banking. Under the leadership of our CEO, David Sweiderk, and Board President Gayle Seward, our dedicated team of 362 employees works tirelessly to ensure that every member receives personalized service. Whether you're seeking an auto loan or looking to open a savings account, we're here to help you achieve your financial goals. For any official correspondence, please note that while you can visit us at our branch address, mail should be directed to 1101 Mt. Hermon Road, Salisbury, MD 21804 if it differs from your visit. Our commitment extends beyond just numbers; we believe in making a positive impact in our community. As part of this mission, we offer various services including personal loans, business banking solutions, and online banking options for your convenience. Ready to take the next step in your financial journey? Don't hesitate to reach out! Call us at 410-543-1006 or explore more on our website at www.secumd.org. Let's work together toward a brighter financial future!

Branch History & Mission

The story of State Employees Cu Of Maryland, Inc in Salisbury, MD, is one of growth, community support, and unwavering commitment to its members. Founded in 1951, this branch has blossomed into a trusted financial partner for over 261,235 members. With total assets reaching an impressive $5,702,055,189, the credit union stands as a pillar of strength in the Salisbury community. Located at 1101 Mount Hermon Rd, Salisbury MD 21804, our branch is easily accessible and situated near key landmarks that make it convenient for our members. If you need to reach us via mail, please note that official correspondence can be sent to 1101 Mt. Hermon Road, Salisbury, MD 21804. From its inception, State Employees Cu Of Maryland has prioritized not just banking services but also community welfare. Our mission is clear: to provide personal and business banking solutions that empower our members while fostering community growth. We offer a range of services including checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards all designed with our members' needs in mind. As we have evolved over the years, we have embraced modern technology to enhance our services. Our online and mobile banking options allow members to manage their finances conveniently from anywhere. While we currently do not offer ATM services at this location, our drive-thru service ensures that basic transactions are quick and easy. Our commitment extends beyond banking; we actively engage in community outreach programs and partnerships that benefit local residents. Whether through educational workshops or charitable initiatives, we strive to make a positive impact on those around us. We invite you to join us at State Employees Cu Of Maryland and experience firsthand the difference a member-focused credit union can make in your life. Visit us during our operating hours Monday, Tuesday, Thursday from 8:00 a.m. to 3:30 p.m., Wednesday from 8:00 a.m. to 4:30 p.m., Friday from 9:00 a.m. to 7:00 p.m., and Saturday from 9:00 a.m. to 1:00 p.m. and discover all the benefits waiting for you. For inquiries or assistance, feel free to contact us at 410-543-1006. We look forward to welcoming you into our family!

Branch Location & Accessibility

Get in Touch!

While members can visit us at 1101 Mount Hermon Rd, official correspondence should be sent to the same address for your convenience. For any questions or assistance, feel free to call us at 410-543-1006. We invite you to come by and experience firsthand how we can support your financial journey!

Nearby Landmarks and Accessibility

Nestled in the heart of Wicomico County, our branch is easily accessible and close to popular spots like the Wicomico River and the Salisbury Zoo. Parking is ample and free, ensuring that you can visit without hassle. Our facility is ADA compliant, featuring ramps and accessible entrances for all our members.

Operating Hours and Services

We understand that life gets busy, which is why we offer flexible banking hours to suit your schedule. Our lobby is open from 8:00 a.m. to 3:30 p.m. on Monday, Tuesday, and Thursday, with extended hours on Wednesday until 4:30 p.m. On Friday, we're here from 9:00 a.m. to 7:00 p.m. and on Saturday from 9:00 a.m. to 1:00 p.m. At our branch, you'll find a variety of services designed to meet your needs whether it's personal banking like checking and savings accounts or more specialized services such as auto loans and mortgage refinancing. We also offer basic drive-thru banking for quick deposits and withdrawals.

Member Eligibility

At State Employees Cu Of Maryland, Inc, we believe that everyone deserves a chance to be part of a caring community focused on your financial well-being. Becoming a member is easy and welcoming; if you live, work, or worship in the area, you're likely eligible! We're proud to serve a diverse group of individuals and families, making it simple for you to access our range of financial services designed just for you. To find out more about the specific eligibility criteria, feel free to check out our detailed information at . Joining us opens up a world of benefits, from competitive loan rates to personalized banking solutions that cater to your unique needs. Ready to take the first step? You can easily open an account by visiting us at our branch located at 1101 Mount Hermon Rd Salisbury Md 21804, or give us a call at (410) 543-1006 for any questions you may have. We can't wait to welcome you into the State Employees Cu Of Maryland, Inc family!

Business Banking & Commercial Services

Practical Merchant Services

In addition to loans, we offer merchant services that simplify transactions for your customers. Imagine a busy café where customers can pay quickly and easily through various methods credit cards, mobile payments, and more. This not only enhances customer satisfaction but also boosts your sales potential. Our goal is to help you manage your finances effortlessly so you can focus on what you do best: running your business. Explore how State Employees Cu Of Maryland, Inc can be a partner in your success today! Visit us at 1101 Mount Hermon Rd Salisbury Md 21804 or call us at (410) 543-1006 to learn more about our business banking solutions tailored just for you.

Tailored Commercial Loan Solutions

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 Services

For our entrepreneurial members, we offer comprehensive business banking services. From merchant services that help streamline transactions to various types of business loans, we're dedicated to supporting your business goals every step of the way.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we have robust online and mobile banking features that allow you to manage your finances from anywhere. With easy access to account information, bill payment options, and even person-to-person payment capabilities, banking has never been easier. You can also enjoy hassle-free cash withdrawals through our ATM & cash withdrawal services.

Drive-Thru Convenience

For those who prefer face-to-face service but value efficiency, our basic drive-thru banking allows you to handle deposits, withdrawals, and simple transactions without leaving your car. At State Employees Cu Of Maryland, Inc, we understand that each member's financial journey is unique. We strive to provide personalized service that meets your specific needs. Our friendly staff is always ready to assist you with any questions or concerns you may have. If you're ready to explore all these fantastic services in more detail or if you have any questions, don't hesitate to reach out! Call us at (410) 543-1006 or visit us at our branch location in Salisbury. We look forward to helping you achieve your financial goals!

Personal Banking Solutions

Managing your finances should be easy and accessible. That's why we offer a variety of personal banking options including checking and savings accounts tailored to fit your lifestyle. If you're in the market for a new vehicle, our auto loans and vehicle financing can help you get behind the wheel without breaking the bank. For those considering homeownership, our mortgage loans and refinancing options provide flexible terms that can make your dream home a reality. Sometimes life throws unexpected challenges your way. Our personal loans and debt consolidation solutions are here to help you navigate those hurdles with ease. Plus, don't forget about our credit cards with rewards, allowing you to earn benefits while making everyday purchases.

Digital & Online Banking

Key Features for Your Convenience

With 24/7 online banking services available, you can access your accounts whenever it suits you. Need to check your balance or transfer funds? It's all just a few clicks away! We also offer e-statements, allowing you to keep track of your transactions without the hassle of paper clutter. Plus, our electronic signature authorization means you can sign documents securely from the comfort of your home.

Mobile Banking Made Easy

For those who prefer managing their finances on the go, our mobile application is available for download. It comes with mobile payments functionality so you can make purchases directly from your phone no need to carry cash or cards. Additionally, our person-to-person transfer feature lets you send money to friends or family quickly and easily. At State Employees Cu Of Maryland, Inc, we prioritize your security while ensuring that our services are user-friendly. Our systems are designed to protect your information, giving you peace of mind as you manage your money online. With real-time account management and easy navigation, handling your finances has never been simpler. Join us in embracing the future of banking at State Employees Cu Of Maryland, Inc where convenience meets security!

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 committed to maintaining the highest standards of financial strength, ensuring that you can trust us with your hard-earned money. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. 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 with $13,795 in used auto loans and a total of $4,244,538,519 in loans and leases available across various sectors. Our operational efficiency is reflected in our net income of $0, enabling us to continue offering 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 and committed 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 1101 Mount Hermon Rd Salisbury Md 21804 or call 410-543-1006 to learn more about how we can help you achieve your financial goals.

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, there has never been a better time to explore your options. We also provide refinancing options to make it easier for you to lower your monthly payments or change your loan terms.

Business Loans

For business owners seeking growth opportunities, our outstanding commercial loans totaling $178,063,755 provide the capital needed to expand operations or invest in new ventures. We understand the unique challenges businesses face and are committed to helping you succeed. At State Employees Cu Of Maryland, Inc., we strive to make the borrowing process as straightforward as possible. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. If you're ready to take the next step towards achieving your financial aspirations or need more information about any of our loan products, don't hesitate to contact us!

Credit Card Loans

Managing finances can be challenging; that's why we also offer flexible terms on unsecured credit card loans. With a total of $196,324,858 in unsecured credit card loans available to our members, you can enjoy benefits like rewards and competitive interest rates while keeping track of your spending.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $668,187,606. If you're interested in making your dream home a reality or looking to refinance an existing mortgage, our team is ready to assist you with eligibility requirements and application processes.

Loan Aggregator

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State Employees Cu Of Maryland Inc

Type of Loan Offerings

Personal Loans

Vehicle Loans