SECU is a not-for-profit, member-owned cooperative, which means we pass profits on to our members in the form of lower loan rates, lower fees, and higher deposit rates. Our vision is to make a positive contribution to the financial well-being of those we serve. Joining SECU is easier than you think. Learn more at www.secumd.org/joinus.aspxWe offer cutting edge technology, like Mobile Deposit, where you can deposit checks using your iPhone or Android, as well as Person-to-Person payments, Mobile Banking, Online Banking, Online Bill Pay, and imaging ATMs (no envelope or deposit slip required). And speaking of ATMs, you get access to over 70,000 surcharge-free ATMs located at most 7-Eleven, Costco and Target stores. And SECU offers lower rates for mortgages, auto, refinancing, and personal loans, and higher savings rates than most banks and other financial service providers. SECU charge fewer fees, too.