State Employees Credit Union - Linthicum Heights

I had a credit union when I lived in Florida, and when I moved here, I got them, and I like them. They are friendly, they don't charge me when I am not looking, and when I have a problem they work with me. I had my credit card stolen once, and it was no big deal, they took care of it pretty quickly. Their online service is very good. I go on there and pay my bills, I can see where my money was spent, and load it into quick books.  They are having less people so they are doing more of this banking where you look at a video and talk to the monitor. They have lines on Fridays but I usually use the machines.

I used SECU-MD for mortgage services. They had the lowest ARM rates and closing costs in the Baltimore-DC metro area when I refinanced in 2011. Their application and closure process was very efficient except sometimes the mortgage processor was overwhelmed with too many applications to respond to questions within a couple days. The loan payoff in November was very fast and efficient. I highly recommend checking with SECU for any type of mortgage financing.

I immediately called the collection department, which was unable to find any record of the account reportedly with a negative balance.  Nonetheless, I explained that the deductions were due to fees charged by SECU because I had not registered for paperless statements, which I'd immediately rectified once I found out that this is their policy.  In recounting this to the representative, she told me that SECU's policy is to refund fees of this type once the problem has been fixed, but this was never done or offered. 
The representative also told me that they mail an initial notice warning of the action to be taken, as well as make repeated phone calls to warn members of their planned cancellation of all member services.  However, I never received a letter nor did I receive any phone calls at any time.
SECU has great rates, but I'm extremely disappointed in the way they have apparently failed to follow their own policies, and sent such a threatening and rude letter to one of their members.  My credit rating is very good, and I pride myself on paying my debts regularly and on time.

After polling my firnds on face book, I decided to try SECU.  I went to the Timonion branch and sat down with a customer service rep who walked me through the different checking and saving account plans.  The whole thing took about 1 to 2 hours to do, but it might be quicker if you don't have as many questions as I did.  She also set up my mobile account and showed my how to use the app on my phone.  I can start using the mobile check deposit in 30 days from the date I open my account. Since signing up, I've recieved my checks and ATM card and my direct deposits are going through all within about 2 -3 weeks.  I had some questions after I went home so I emailed the service rep who opened my accounts and she emailed me back within a few days with the information I needed.  I've also recieved a follow up call about 3 weeks later from my service rep to make sure everhthing was going as expected.  So far I'm very happy with my decision to switch to SECU. 

We've used them for close to 30 years. We initially went with them because their main office was close to where we worked. We have since retired but you can go to convenient ATMs around and we do have our car payment through them and that was very easy. They do have fees, however, if you keep a certain balance they don't charge you any fees so we make sure that we keep that balance. I would think that they were competitive or better than most banks on fees.

They're incredibly responsive. Their small and they have great banking hours. They have a fantastic website and I do all of my banking online. My house and my car was financed through them. They have fantastic rates and they have a bunch of branches all over the state. I've been with them since 1993 and I've kept going to them because of everything that they offer. I've had no desire to switch banks. They don't have any ATM fees and there's no checking account fees.

They are pretty friendly and have a free program to help me straighten out my credit. They have people I can call who will build me a budget. My cousin used them to buy a house and she found they had the best rates without all the extra fees that don't do anything for you. They also have good auto rates. I think soft checking is free and check deposit is free. Their rates are pretty good.

Over the past two years, the commercial bank we have used for the past twenty years for our checking, savings with automated payroll deposit, and mortgage had started getting creative in finding new ways to assess fees on our various accounts. The result required an increasing funding level in our accounts to avoid the fees while the interest rate earned got lower and lower.
In January 2011, we refinanced our 30 year mortgage with SECU @3.875% with 0.625 points. The previous mortgage was with our commercial bank. In the closing statement, we saw the commercial bank charged us $160 in release and fax fees!
In July 2012, we decided to start the process of converting all our accounts from the commercial bank to SECU. Opening the accounts were very easy, providing superior interest rates, and only $10 minimums, freeing more of our money for our use. Most of the process was performed on-line. The only in person activity was adding my wife to the savings account. This was also a very pleasant experience. The staff member answered all our questions, described additional free features that were available, and helped to get my wife set up with the account.
SECU now addresses all of our banking needs.

They are magnificent.  They really are fabulous.  My credit union is available for me, for anything that I need, like a car loan, an equity loan, or mortgage.  As far as their people go, they are sensational.  They provide the same services as a bank does, but what they do is above and beyond, it is personalized service and they don’t charge us for everything; it is all included in the service.

We do not pay anything for their services. They have good customer service. The web site is really good. They are often improving their online services. They are very helpful. We will continue to use their services.