State Employees CU of Maryland, Inc Credit Union

Linthicum, Maryland

Last verified: August 4, 2026

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Verified rate book

Current State Employees CU of Maryland, Inc Credit Union rates

52 published offers verified as of August 4, 2026.

How we verify rates

Mortgage rates

11 offers

State Employees CU of Maryland, Inc Credit Union mortgage rates as of August 4, 2026
Product	Published	Rate	Term / condition	Status
FHA 30-Year Fixed30 year fixed	6.125% APR	6.125%	—	Standard
30-Year Fixed30 year fixed	6.375% APR	6.375%	—	Standard
FHA 30-Year Fixed30 year fixed	6.432% APR	6.125%	—	Standard
30-Year Fixed30 year fixed	6.652% APR	6.500%	—	Standard
Jumbo 5/5 ARM5 5 arm	5.250% APR	5.250%	—	Standard
Jumbo 7/1 ARM7 1 arm	5.500% APR	5.500%	—	Standard
10-Year Fixed10 year fixed	5.625% APR	5.625%	—	Standard
10/1 100% Financing10 1 arm	7.827% APR	6.375%	—	Standard
Certificate of Depositother	4.000% APR	4.000%	—	Standard
100% Financing – No down paymentother	6.375% APR	6.375%	—	Standard
5/5 Jumbo Purchaseother	7.762% APR	5.250%	—	Standard

Auto & vehicle rates

2 offers

State Employees CU of Maryland, Inc Credit Union auto & vehicle rates as of August 4, 2026
Product	Published	Rate	Term / condition	Status
New Auto Loanauto_new	4.040% APR	4.040%	new	Standard
Used Auto Loanauto_used	4.290% APR	4.290%	used	Standard

HELOC rates

1 offer

State Employees CU of Maryland, Inc Credit Union heloc rates as of August 4, 2026
Product	Published	Rate	Term / condition	Status
6-Month Variable Intro HELOCheloc_variable	4.240% APR	4.240%	—	Standard

Savings & CD rates

37 offers

State Employees CU of Maryland, Inc Credit Union savings & cd rates as of August 4, 2026
Product	Published	Rate	Term / condition	Status
5-year Step-Up†cd_60mo	1.39% APY	1.40%	60 mo	Standard
5-year Step-Up†cd_60mo	1.40% APY	1.39%	60 mo	Standard
4 years \| Open nowcd_48mo	1.74% APY	1.75%	48 mo	Standard
48-Month Certificatecd_48mo	1.75% APY	1.74%	48 mo	Standard
4 years \| Open nowcd_48mo	1.75% APY	1.74%	48 mo	Standard
5 years \| Open nowcd_60mo	1.79% APY	1.80%	60 mo	Standard
60-Month Certificatecd_60mo	1.80% APY	1.79%	60 mo	Standard
5 years \| Open nowcd_60mo	1.80% APY	1.79%	60 mo	Standard
3 months \| Open nowcd_3mo	1.99% APY	2.00%	3 mo	Standard
7 months \| Open nowcd_7mo	1.99% APY	2.00%	7 mo	Standard
17 months \| Open nowcd_17mo	1.99% APY	2.00%	17 mo	Standard
17-Month Certificatecd_17mo	2.00% APY	1.99%	17 mo	Standard
3 months \| Open nowcd_3mo	2.00% APY	1.99%	3 mo	Standard
1-year Add-On \| Open nowcd_12mo	2.82% APY	2.82%	12 mo	Standard
1-year Add-On \| Open nowcd_12mo	2.85% APY	2.82%	12 mo	Standard
1-year Add-Oncd_12mo	2.85% APY	2.82%	12 mo	Standard
11 months \| Open nowcd_11mo	2.97% APY	2.97%	11 mo	Standard
3 years \| Open nowcd_36mo	2.97% APY	2.97%	36 mo	Standard
13 Month \| Open nowcd_13mo	3.00% APY	2.97%	13 mo	Standard
18 months \| Open nowcd_18mo	3.00% APY	2.97%	18 mo	Standard
2 years \| Open nowcd_24mo	3.00% APY	2.97%	24 mo	Standard
30 months \| Open nowcd_30mo	3.00% APY	2.97%	30 mo	Standard
36-Month Certificatecd_36mo	3.00% APY	2.97%	36 mo	Standard
3 years \| Open nowcd_36mo	3.00% APY	2.97%	36 mo	Standard
9 months \| Open nowcd_9mo	3.16% APY	3.16%	9 mo	Standard
15 months \| Open nowcd_15mo	3.16% APY	3.16%	15 mo	Standard
15-Month Certificatecd_15mo	3.20% APY	3.16%	15 mo	Standard
6 months \| Open nowcd_6mo	3.20% APY	3.16%	6 mo	Standard
1 year \| Open nowcd_12mo	3.50% APY	3.50%	12 mo	Standard
1 year \| Open nowcd_12mo	3.55% APY	3.50%	12 mo	Standard
12 Month Goldcd_12mo	3.70% APY	3.65%	12 mo	Standard
5 months \| Open nowcd_5mo	3.70% APY	3.70%	5 mo	Standard
5-Month Certificatecd_5mo	3.75% APY	3.75%	5 mo	Standard
5 months \| Open nowcd_5mo	3.75% APY	3.70%	5 mo	Standard
12 Month Platinumcd_12mo	3.80% APY	3.75%	12 mo	Standard
8 months \| Open nowcd_8mo	3.94% APY	3.94%	8 mo	Standard
8-Month Certificatecd_8mo	4.00% APY	4.00%	8 mo	Standard

Other rates

1 offer

State Employees CU of Maryland, Inc Credit Union other rates as of August 4, 2026
Product	Published	Rate	Term / condition	Status
Months 1-6other	1.990% %	1.990%	—	Standard

As of August 4, 2026, State Employees CU of Maryland, Inc Credit Union offers a 30-year fixed mortgage at 6.125% APR (1 points). Auto loans available from 4.04% APR. HELOC rates from 4.24% APR. Savings and certificate yields up to 4.00% APY.
Source: RateAPI.dev, verified from State Employees CU of Maryland, Inc Credit Union's official website

Branch locator

State Employees CU of Maryland, Inc Credit Union locations

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About State Employees CU of Maryland, Inc Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members: 271.2K
Assets: $5.7B
Founded: 1951
Locations reported: 27
NCUA charter: 66330
Charter type: Federally insured state-chartered credit union

Services and member support

Online membership application
Online loan application
Open an account online
Electronic statements
Mobile check deposit
Mobile payments
Financial counseling
Financial education
First-time homebuyer program
Student scholarships

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

Masters, Mates & Pilots (mm&p)Main Office · Linthicum · MD · 21090Branch in the same ZIP Northrop GrummanCentral · Linthicum · MD · 21090Branch in the same ZIP TowerFANX Branch · Linthicum · MD · 21090Branch in the same ZIP Five Star of MarylandGlen Burnie · Glen Burnie · MD · 21061-5803About 3.8 miles away Navy Federal Credit UnionGlen Burnie MD · Glen Burnie · MD · 21061-2346About 3.8 miles away First Financial of MarylandCatonsville · Catonsville · MD · 21228About 6.2 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join State Employees CU of Maryland, Inc Credit Union

Membership eligibility from State Employees CU of Maryland, Inc Credit Union's own published criteria. How we verify this.

Membership via employers (7-Eleven +4 more)

Employer7-Eleven, Advance Auto Parts, Adventist Healthcare, Annapolis Police Department, Baltimore Orioles

Verified from State Employees CU of Maryland, Inc Credit Union's membership page. Final membership determination is always made by the credit union.

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Frequently Asked Questions

What rates does State Employees CU of Maryland, Inc Credit Union offer?

State Employees CU of Maryland, Inc Credit Union currently offers mortgage, Auto loan, and HELOC rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.

How often are State Employees CU of Maryland, Inc Credit Union rates updated?

RateAPI verifies State Employees CU of Maryland, Inc Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.

Where does RateAPI get State Employees CU of Maryland, Inc Credit Union's rate data?

Rate data is collected directly from State Employees CU of Maryland, Inc Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is State Employees CU of Maryland, Inc Credit Union's mortgage rate?

As of August 4, 2026, State Employees CU of Maryland, Inc Credit Union offers a 30-year fixed mortgage at 6.125% APR.

What are State Employees CU of Maryland, Inc Credit Union's auto loan rates?

As of August 4, 2026, State Employees CU of Maryland, Inc Credit Union offers auto loans from 4.04% APR.

What is State Employees CU of Maryland, Inc Credit Union's HELOC rate?

As of August 4, 2026, State Employees CU of Maryland, Inc Credit Union offers home equity lines of credit from 4.24% APR.

What is State Employees CU of Maryland, Inc Credit Union's best CD rate?

As of August 4, 2026, State Employees CU of Maryland, Inc Credit Union offers savings and certificate (CD) yields up to 4.00% APY.

Related Rate Data

Compare State Employees CU of Maryland, Inc Credit Union's rates against national credit-union benchmarks.

More Maryland credit unions Mortgage rate benchmark Auto loan rate benchmark HELOC rates How we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

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Methodology

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# Get rates for State Employees CU of Maryland, Inc Credit Union
curl "https://api.rateapi.dev/credit-unions/maryland/state-employees-cu-of-maryland-inc" \
  -H "Authorization: Bearer YOUR_API_KEY"

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