SECU routing number

SECU Maryland operates exclusively in Maryland and was founded in 1951 specifically to serve Maryland state employees. Unlike multi-state banks that grew through acquisitions and mergers, SECU has maintained its focused mission within Maryland's borders for over 70 years. This single-state operation means one routing number (255076753) efficiently identifies the credit union for all electronic transactions. From Baltimore to Western Maryland, every SECU member uses the same routing number, which simplifies banking and reduces the chance of errors when setting up direct deposits or wire transfers.

Yes, once you're a SECU member, you can maintain your membership and use the same routing number (255076753) even if you move out of Maryland. SECU membership is for life as long as you maintain at least a $10 balance in your Share Savings Account. You'll continue to have access to online banking, mobile banking, the SECU Mobile App, and the nationwide CO-OP ATM network with over 50,000 surcharge-free ATMs. This makes SECU a convenient option for Maryland state employees who retire or relocate to other states while maintaining their financial relationship with the credit union.

The routing number (255076753) is used for all domestic transactions within the United States, including ACH transfers, direct deposits, bill payments, and domestic wire transfers. SWIFT codes are typically used by large international banks for direct cross-border wire transfers. As a Maryland-focused credit union, SECU doesn't have its own SWIFT code. However, you can still receive international wire transfers. The sending bank will route the funds through a correspondent bank in the United States (which does have a SWIFT code), and that correspondent bank forwards the money to SECU using the routing number. This process adds intermediary bank fees but makes international transfers possible.

Setting up direct deposit is straightforward. Provide your employer with SECU's routing number (255076753) and your full account number, which you can find on your checks or through online banking. Your employer may provide a direct deposit form, or you can download one from SECU's website. When completing the form, write "State Employees Credit Union of Maryland" as the bank name and include the routing number 255076753. Direct deposits typically post by 9:00 AM on payday, giving you quick access to your funds. Many members use direct deposit for paychecks, Social Security benefits, pension payments, and tax refunds.

SECU charges $20 for each outgoing domestic wire transfer and $40 for each outgoing international wire transfer. There is no fee to receive incoming wire transfers, whether domestic or international. This makes receiving money free, which is helpful if family or business partners send you funds via wire. Keep in mind that international wires may incur additional fees from intermediary correspondent banks (typically $8-$15) that help route the transfer to SECU. All outgoing wire requests must be submitted by 3:00 PM ET to process the same business day, and you can initiate wire transfers through online banking or at any SECU branch.