*0% Promotional APR on Balance Transfers with a 3% balance transfer fee. The promotional rate for balance transfers is for Visa® Signature, Rewards Visa®, UMD Affinity Visa®, Cash Back Visa® and FirstRate Visa® cardholders only. Promotional 0% APR is for balance transfers completed 1/1/2026 through 4/30/26. Total value of transfers cannot exceed your credit limit. SECU sends either full or partial payment to your creditors in the order you list them. Allow at least two weeks from submitting the balance transfer request for processing. Continue paying each creditor until the transfer appears as a credit. Promotional rate of 0% APR is only available for balances transferred from non-SECU accounts.
**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.
†This giveaway is subject to all applicable federal, state and local laws and regulations and is void where prohibited. No purchase is necessary. Participation constitutes entrants’ full and unconditional agreement to the terms and conditions of these official rules. Questions concerning any aspect of this giveaway will be resolved by State Employee’s Credit Union of Maryland, Inc. (SECU) management and any such resolution shall be final.
Eligibility: This giveaway is open to individuals who are legal residents of the United States, over the age of eighteen (18) who reside in Maryland, Pennsylvania, Virgina, West Virginia, Delaware or the District of Columbia and open a new SECU consumer membership (savings account) and a new checking account during the promotional period at a SECU Financial Center or SECU’s Virtual Financial Center. The new member must not have had a prior relationship of any kind in the last 12 months or received a SECU promotional offer/credit in the last 12 months. The new account must be in good standing to be considered for an entry into the giveaway.
Sponsor: State Employees Credit Union of Maryland, Incorporated (SECU), 971 Corporate Blvd., Linthicum, MD 21090
Timing: The giveaway begins on March 1, 2026. This giveaway ends on March 25, 2026, at 8:00pm EST. SECU may end or change the giveaway at any time, at its own discretion and without prior notification.
Criteria: To be considered for a giveaway, individuals must open a new SECU consumer membership savings account and a new checking account during the promotional period. Applications for membership must meet all eligibility and account criteria to be eligible for this promotion. Accounts must be opened in person at a SECU Financial Center during normal business hours or via the Virtual Financial Center (appointments are encouraged). Applications for membership received through all other channels are not eligible for this promotional giveaway.
No purchase is necessary. SECU Membership is required, which requires a $10 deposit to be made into the new membership savings account. One (1) application per member. New account holder must be 18 years of age or older, be a legal resident of the United States, residing in one of the five states listed above or the District of Columbia, and not have had a prior primary relationship with SECU in the last 12 months or received a promotional deposit or reward in the last 12 months. Account and member must be in good standing to be eligible for the giveaway.
Alternate method of entry – To enter the sweepstakes without opening an account, residents of the listed states and the District of Columbia may simply hand-print your name, address, phone number, and email address on a 3” x 5” postcard and mail to SECU –Maryland Sweepstakes, Attn: Lisa Wallace, 971 Corporate Blvd., Linthicum, MD 21090. All mail-in entries must be received by SECU by 5:00 pm ET on March 25, 2026. Limit one (1) entry per person. Only one (1) entry is permitted per person regardless of method of entry. All mail-in entries become the exclusive property of SECU, and none will be acknowledged or returned. Proof of sending or submission will not be deemed to be proof of receipt by SECU. SECU is not responsible for lost, late, incomplete, invalid, unintelligible, illegible, misdirected or postage-due entries, which will be disqualified. Use of any automated system to participate is prohibited and will result in disqualification. Proof of residency may be required if selected as a winner prior to prize distribution.
SECU reserves the right in its sole discretion to disqualify any Prize Pack consideration at any time, which in SECU’s opinion does not comply with these Official Rules.
SECU employees, board members, volunteers, affiliates and their immediate family members are not eligible for this giveaway.
Prizes: Three winners will be selected at random from all eligible entries for first, second and third place prizes. Prizes are assigned in the order in which winners are selected (first place prize to first name drawn). The drawing will be held on or around March 26, 2026.
The selected winners will receive one (1) prize. Price of prizes varies. The first-place prize, four (4) tickets to a University of Maryland Football game in the SECU Suite, is valued at $200.00 USD. The second-place prize, a SECU Swag Basket and a $100 gift card, has a total value of $150.00 USD. The third-place prize, a SECU Swag Basket is valued at $50.00 USD.
Odds of receiving a prize depend on the number of eligible entries received during the giveaway period.
All SECU Swag baskets will be delivered to the primary member’s physical address.
UMD Tickets will be delivered electronically via email or text message using the primary account holder’s information on file. Tickets are subject to UMD ticket rules. Giveaway recipient must manage the tickets in accordance with UMD ticket management guidelines and adhere to all UMD and SECU code of conduct guidelines.
Prizes cannot be exchanged for cash value. No substitutions allowed. One prize per member.
If a prize is not claimed in 10 days, the prize is forfeited and a new winner may be selected. Winner of UMD Game Tickets is responsible for any and all additional costs associated with attending the game.
Verification of Winners: The potential giveaway recipient must continue to comply with all terms and conditions of these Official Rules, and receiving a Prize Pack is contingent upon fulfilling all requirements. The recipient will be notified by email if they are eligible for a prize pack. If a potential winner of any prize cannot be contacted, is disqualified for any reason, SECU will award the applicable prize to an alternate winner. In order to receive the prize, the winner is not required to purchase any goods or services. Funding the new membership account (savings account) is required to become a member in good standing and to complete the application process.
General Consent: By entering this giveaway, entrants agree to be contacted by SECU by email or phone (including text message). This consent applies to email notices regarding the contest entry as well as future SECU MD email communications. To opt out, simply follow the instructions in the email or text you receive. Note: Opting out of email or text messaging before the promotion ends will void your giveaway, as winners will be contacted by email or text message.
Consent to Publicity and Release: Participation in the promotion constitutes winner’s consent to SECU’s use of winner’s name, photograph, voice and/or opinion for promotional purposes in any media, worldwide, without further payment or consideration, unless prohibited by law. The winner also agrees to release and hold harmless SECU from any and all claims of any kind related to the publication of name to those who request the Winner List.
Taxes: The prize winner is responsible for the payment of all applicable federal, state and local taxes imposed on the prizes.
Liability: All entrants release SECU and its officers, directors, employees, affiliates and all others associated with the development and execution of this giveaway from any and all liability with respect to, or in any way arising from, this giveaway.
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