State Employees Cu Of Maryland, Inc Credit Union

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Deposit Rates - July 4, 2022

SAVINGS RATES APY MIN
CD RATES APY MIN
CD
0.60% $100,000 Compare
3 Mo CD
0.25% $0 Compare
6 Mo CD
0.30% $0 Compare
9 Mo CD
0.30% $0 Compare
MM RATES APY MIN
Money Market
0.20% $2,000 Compare
PREMM RATES APY MIN
Premium Money Market
0.30% $25,000 Compare
INT CHECKING RATES APY MIN
INTCK
0.10% $0

Loan Rates - July 4, 2022

MORTGAGE PURCHASE APR(%) MONTHLY PAYMENT
5 Year Adjustable Conforming
7.33% $1,643.16
7 Year Adjustable Conforming
7.27% $1,663.26
10 Year Adjustable Conforming
7.22% $1,685.14
15 Year Fixed Conforming
6.83% $2,212.27
20 Year Fixed Conforming
7.19% $1,957.80
30 Year Fixed Conforming
7.29% $1,705.44
MORTGAGE REFINANCE APR(%) MONTHLY PAYMENT
5 Year Adjustable Conforming
7.33% $1,643.16
7 Year Adjustable Conforming
7.27% $1,663.26
10 Year Adjustable Conforming
7.22% $1,685.14
15 Year Fixed Conforming
6.83% $2,212.27
20 Year Fixed Conforming
7.19% $1,957.80
30 Year Fixed Conforming
7.29% $1,705.44
HOME EQUITY RATES APR(%) MONTHLY PAYMENT
Line of Credit
4.75% Varies
AUTO LOAN RATES APR(%) MONTHLY PAYMENT
3 Year
2.99% $726.92
4 Year
3.24% $556.01
5 Year
3.24% $451.89

Overview 2022

General Credit Union Information

NCUA Insured Yes / State-Chartered
Charter Number # 66330
Date Established 1951
Assets $4,778.94 million
Loans $3,294.33 million
Deposits $4,290.80 million
Capital $423.88 million


State Employees Cu Of Maryland, Inc Credit Union is a NCUA insured credit union headquartered at 971 CORPORATE BOULEVARD, LINTHICUM, MD 21090.
It was founded in 1951 and has approximately $4,779 million in assets. Customers can open an account at one of its 46 branches.

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Savings Comparison

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis.

PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES

Tax Rate: 30%

All calculations are for demonstration purposes only.

  • 1
    LOCAL CD
    Credit Union
    MARYLAND
    $50,000
    N.A.
    0.60%
    N.A.
    $100,000
    -
    SCENARIO
    Year Rate
    0.60%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 300 210
    2 50,300 302 211
    3 50,602 304 213
    4 50,905 305 214
    5 51,211 307 215
    6 51,518 309 216
    7 51,827 311 218
    8 52,138 313 219
    9 52,451 315 220
    10 52,766 317 222
    11 53,082 318 223
    12 53,401 320 224
    13 53,721 322 226
    14 54,044 324 227
    15 54,368 326 228
    16 54,694 328 230
    17 55,022 330 231
    18 55,352 332 232
    19 55,684 334 234
    20 56,019 336 235
    TOTAL $6,355 $4,448
  • 2
    ONLINE CD
    Online Bank
    -
    $50,000
    12 Month
    1.60%
    3.94x (National Avg. - 0.41%)
    $1,000
    -
    SCENARIO
    Year Rate
    1.60%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 800 560
    2 50,800 813 569
    3 51,613 826 578
    4 52,439 839 587
    5 53,278 852 597
    6 54,130 866 606
    7 54,996 880 616
    8 55,876 894 626
    9 56,770 908 636
    10 57,678 923 646
    11 58,601 938 656
    12 59,539 953 667
    13 60,492 968 678
    14 61,459 983 688
    15 62,443 999 699
    16 63,442 1,015 711
    17 64,457 1,031 722
    18 65,488 1,048 733
    19 66,536 1,065 745
    20 67,601 1,082 757
    TOTAL $18,682 $13,078
  • 3
    ONLINE CD
    Online Bank
    -
    $50,000
    12 Month
    1.90%
    4.68x (National Avg. - 0.41%)
    $5,000
    -
    SCENARIO
    Year Rate
    1.90%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 950 665
    2 50,950 968 678
    3 51,918 986 691
    4 52,904 1,005 704
    5 53,910 1,024 717
    6 54,934 1,044 731
    7 55,978 1,064 745
    8 57,041 1,084 759
    9 58,125 1,104 773
    10 59,229 1,125 788
    11 60,355 1,147 803
    12 61,502 1,169 818
    13 62,670 1,191 834
    14 63,861 1,213 849
    15 65,074 1,236 865
    16 66,311 1,260 882
    17 67,570 1,284 899
    18 68,854 1,308 916
    19 70,163 1,333 933
    20 71,496 1,358 951
    TOTAL $22,854 $15,998
  • 4
    LOCAL CD
    Bank
    -
    $50,000
    24 Month
    2.76%
    5.18x (National Avg. - 0.53%)
    $500
    -
    SCENARIO
    Year Rate
    2.76%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 1,380 966
    2 51,380 1,418 993
    3 52,798 1,457 1,020
    4 54,255 1,497 1,048
    5 55,753 1,539 1,077
    6 57,292 1,581 1,107
    7 58,873 1,625 1,137
    8 60,498 1,670 1,169
    9 62,167 1,716 1,201
    10 63,883 1,763 1,234
    11 65,646 1,812 1,268
    12 67,458 1,862 1,303
    13 69,320 1,913 1,339
    14 71,233 1,966 1,376
    15 73,199 2,020 1,414
    16 75,220 2,076 1,453
    17 77,296 2,133 1,493
    18 79,429 2,192 1,535
    19 81,621 2,253 1,577
    20 83,874 2,315 1,620
    TOTAL $36,189 $25,332
  • 5
    LOCAL CD
    Bank
    -
    $50,000
    36 Month
    3.06%
    4.86x (National Avg. - 0.63%)
    $500
    -
    SCENARIO
    Year Rate
    3.06%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 1,530 1,071
    2 51,530 1,577 1,104
    3 53,107 1,625 1,138
    4 54,732 1,675 1,172
    5 56,407 1,726 1,208
    6 58,133 1,779 1,245
    7 59,912 1,833 1,283
    8 61,745 1,889 1,323
    9 63,634 1,947 1,363
    10 65,581 2,007 1,405
    11 67,588 2,068 1,448
    12 69,656 2,131 1,492
    13 71,788 2,197 1,538
    14 73,985 2,264 1,585
    15 76,249 2,333 1,633
    16 78,582 2,405 1,683
    17 80,986 2,478 1,735
    18 83,465 2,554 1,788
    19 86,019 2,632 1,843
    20 88,651 2,713 1,899
    TOTAL $41,364 $28,954


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