May 2026

April brought together two things we love at SECU: volunteering in our communities and advancing financial literacy and education in Maryland. 

With National Volunteer Month and Financial Literacy Month happening at the same time, we were out and about, spreading kindness and financial knowledge from Frostburg to Salisbury. 

You can read about these efforts below and get tips and offers to help you achieve financial wellness this month and all year long. 

Don't wait on this great rate

Limited time 1.99% APR* HELOC promotion ends May 31st.

Drive now, pay later

Enjoy NO FIRST PAYMENT for up to 90 days^† on a new or used auto loan.

Celebrating National Volunteer & Financial Literacy Month

In April, SECU was out in our communities, spreading kindness and financial knowledge from Frostburg to Salisbury.

Support your employees' financial well-being

Don’t overlook this important workplace benefit.

Top 10 scams targeting seniors

Protecting yourself starts with knowing what to look for and how to respond.

How's the housing market in MD?

Is now the right time to buy, sell, or leverage your equity?

Tell a friend. Get $50***. Repeat.

Refer a friend to SECU and you’ll both receive $50*** when they join. Refer more friends and earn up to $500 every month — just for spreading the word.

*APR=Annual Percentage Rate. Rates are subject to change without prior notification.   

Promotional rate is a fixed rate of 1.99% for the first six months following loan funding. After the six months, qualified borrowers will receive an introductory variable rate of prime minus 2.51% for the remaining six months, subject to a minimum of 2.50%. This results in the APR stated above, but it can change based on prime. Promotional and introductory rate offers are valid on qualified (including a minimum 700 FICO) new home equity line of credit applications with a minimum initial draw of $20,000 and a maximum 90% combined loan-to-value (CLTV) unless the interest-only repayment option is selected. The promotional and introductory rates are available for primary residences only and applies when borrowers select a direct loan payment from a SECU checking account. After the introductory rate ends, or for lines not subject to the introductory rate, your monthly APR will be a fully indexed, variable rate based on prime plus or minus a margin and based on your credit line amount, loan-to-value (LTV) and other factors. Prime rate is obtained from the Wall Street Journal. The minimum APR that can apply is 3.5% and the maximum APR that can apply is 18%. The rate is variable and can be adjusted on a monthly basis. Consult a tax professional for further information regarding the potential tax deductibility of your interest payments and charges. The refinancing of an existing SECU home equity line of credit would not be eligible for the promotional or introductory offers. To qualify for the promotional 1.99% APR, applications must be received by 5/31/2026 and your loan must fund between 3/2/2026 – 7/31/2026. 

**$350 offer valid from 11/1/24 – 6/30/26 for new SECU members and 8/15/25 – 6/30/26 for existing SECU members without checking. Must meet the following criteria: 

1) Open a SECU checking account during the promo period. New members need to join SECU. 2) Within 90 days of opening checking: Set up e-statements and have at least 2 separate qualifying payroll Direct Deposits post to your checking account. Members or former members that had a checking account in the last 24 months are not eligible for this offer. 

Offer is only available to Maryland residents or residents of surrounding states (DC, DE, PA, VA, WV). Residents of other states not listed are not eligible. Qualifying direct deposits include recurring electronic deposits of payroll, pension or Social Security and must be in your checking account. Person to person, bank transfers or other electronic money transfers, such as those made through internet payment services, do not qualify. All criteria must be met within 90 days of opening checking. SECU will credit one cash bonus of $350 to the primary owner of the new SECU checking account within 60 days of meeting the requirements. Membership and accounts must be in good standing to receive the bonus. Promotional period and offer are subject to change at any time without notice. The promotional bonus is limited to one per member. If you received a bonus for a SECU checking promo in the last 24 months, you are not eligible for this offer. Advertised bonus cannot be combined with any other offer. Membership eligibility required. Bonuses are considered miscellaneous income and may be reported as income to the IRS on Form 1099-MISC. SECU’s determination of offer eligibility is final. Federally insured by NCUA. 

^†First payment for new and used auto loans may be deferred up to 90 days. Excludes SECU refinances. Interest will continue to accrue from the date of loan funding. To qualify, applications must be funded during the promotional period of 5/4/2026 to 7/31/2026.

***To qualify for the referral bonus, the member making the referral must submit the online referral form. The referred person must open a membership with SECU via a share savings account and open at least one additional account within 60 days of the referral date. The referred new member's accounts must remain open for at least 60 days.  Be sure to use the email address and correct name spelling that the new member will use to establish membership when submitting the referral form.

Bonuses will be awarded via deposits to share savings accounts within 60 days of all criteria being met. In the event more than one member refers the same individual, we will award the bonus to the first member making the referral. Referred member must be new to SECU. Each member is limited to 10 referral bonuses per month. Learn more about our accounts.

You must qualify for and establish membership at SECU and be of legal contract age to apply. All accounts are subject to our normal approval process. Members and accounts must be in good standing to receive bonuses. SECU rules and regulations apply. Members who have closed their SECU membership within three months prior to being referred are not eligible.

Bonuses are considered interest and will be reported on IRS form 1099-INT. Fees can reduce earnings on the account. This offer is non-transferable and may be canceled without prior notice. We reserve the right to disqualify any referrals in circumstances where we reasonably believe they were not sent to us in good faith. SECU reserves the right to terminate the program at any time, revise program terms, or refuse bonuses upon our discretion. Ask us for details.

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