*APY = Annual Percentage Yield. This page is updated regularly. Rates are subject to change at any time without notice.

*APY = Annual Percentage Yield. This page is updated regularly. Rates are subject to change at any time without notice.

*APR=Annual Percentage Rate. Published rates and terms based on primary homes. Other rates and terms available for secondary homes and investment properties. This page is updated regularly. Rates are subject to change without prior notification. Adequate property and flood insurance required, if applicable.

Actual rates may vary depending on your specific terms. This is not a commitment to make a loan, nor is it a guarantee that you will receive these rates or points if you are approved for the loan. Rate quotes are not guaranteed until you submit a full application and we receive a fully completed and executed rate lock agreement.

Loans above 80% LTV may require private mortgage insurance (PMI). In some instances PMI can be avoided, please contact a Mortgage specialist to see if PMI needs to be a requirement of your mortgage.

*APR=Annual Percentage Rate. Rates are subject to change without prior notification. SECU will advance the closing costs on any primary or second home with a loan amount of $500,000 or less, regardless of credit score and/or the number of SECU Home Equity loans the member has had. Closing costs generally range from $850 to $1,000 on a $20,000 loan or line of credit. If the line of credit is paid off and closed within 36 months or original note date, closing costs must be reimbursed to SECU by borrower. Adequate property and flood insurance required, if applicable. Rates for investment properties, second homes, and vacation homes may be higher.

**Introductory rate is a variable rate of Prime minus 2.51% for 12 months, subject to a minimum of 2.50%. This results in the APR stated above, but it can change based on prime. Introductory rate offer is 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). The introductory rate is available for primary residences only and applies when borrowers select a direct loan payment from a SECU account and have direct deposit of a full pay check to SECU checking account (existing direct deposit qualifies). After the intro rate or for lines not subject to the intro 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 adjust on a monthly basis. Consult a tax professional for further information regarding the potential tax deductibility of your interest payments and charges.

HELOC Sub-account rates reflected above assume the HELOC was opened with a minimum initial draw of at least $20,000. Your rate may be higher if a HELOC is opened with a minimum initial draw less than $20,000.

Direct Deposit Requirement Introduced
SECU advances costs for appraisals, credit reports and closing costs on your SECU Home Equity Loan or Line of Credit (primary/secondary residence only) on loan amounts less than $500,000. Closing costs generally range from $850 to $1,000 on a $20,000 line of credit. If the line of credit is paid off and closed within 36 months of original note date, closing costs must be reimbursed to SECU by borrower. This promotional offer specified applies where borrowers select direct loan payment from a SECU account and have direct deposit of full pay check to SECU checking account (existing direct deposit qualifies).

*APR=Annual Percentage Rate. Published rates and terms based on primary homes. Other rates and terms available for secondary homes and investment properties. This page is updated regularly. Rates are subject to change without prior notification. Adequate property and flood insurance required, if applicable.

Actual rates may vary depending on your specific terms. This is not a commitment to make a loan, nor is it a guarantee that you will receive these rates or points if you are approved for the loan. Rate quotes are not guaranteed until you submit a full application and we receive a fully completed and executed rate lock agreement.

Loans above 80% LTV may require private mortgage insurance (PMI). In some instances PMI can be avoided, please contact a Mortgage specialist to see if PMI needs to be a requirement of your mortgage.

*APY = Annual Percentage Yield. This page is updated regularly. Rates are subject to change without prior notice. The minimum deposit for Jumbo CDs is $100,000.

12 Month Gold and 12 Month Platinum CDs are only available to members that have a SECU Total™ Checking & Rewards account that qualified for the Gold or Platinum rewards level level in the last 3 months and must be opened in a branch, Virtual Financial Center, or via mail. Click here for more details.

*APR=Annual Percentage Rate. This page is updated regularly. Rates are subject to change at any time without notice.

** The minimum monthly payment is $50.

*APR=Annual Percentage Rate. This page is updated regularly. Rates are subject to change at any time without notice.

** The minimum monthly payment is $50.

*APY = Annual Percentage Yield. Rates are subject to change without notice.

Nearly all your SECU deposit and loan balances are considered when determining the Relationship Rewards minimum balance. SECU calculates combined balances based on the average balance you had in a deposit account during your statement period and your outstanding loan balances. For Visa credit card, Home Equity Line of Credit and Preferred Line of Credit, rewards are based on your balance, not the amount of your credit line. If you fall below the minimum combined balance, a monthly fee will be assessed unless you have SECU Preferred Services. For specific details on how your Relationship Rewards balance is calculated, please see our Agreements and Disclosures. “Active Bill Pay use” means making at least one electronic payment using SECU’s Bill Pay service every 60 days. Fees may reduce earnings.

*APY = Annual Percentage Yield. This page is updated regularly. Rates are subject to change at any time without notice.

Minimum $100,000 new money from a financial institution outside of SECU required to open a Business High Yield Money Market account. Money in an existing SECU deposit account does not count towards the minimum. Account can only be opened through a branch or the Virtual Financial Center. APY = Annual Percentage Rate. Rates and required balance amounts subject to change at any time without notice. See https://secumd.org/rates-calculators for current rates. Fees may reduce earnings on the account. Membership eligibility required. Federally insured by NCUA.