# MECU Credit Union > MECU provides Baltimore, Maryland members with personal and business banking solutions including a variety of accounts and loans. Become a member today. ## Blog - [Financial Education Articles](https://www.mecu.com/resources/education/financial-education-articles) ## Blog Posts - [5 Tips to Jump Start Savings](https://www.mecu.com/resources/education/financial-education-articles/april-2019/5-tips-to-jump-start-savings) - [Buy Now, Pay Later: The Cost of Convenience](https://www.mecu.com/resources/education/financial-education-articles/march-2025/buy-now-pay-later-the-cost-of-convenience) - [Choosing Between a Bank and a Credit Union](https://www.mecu.com/resources/education/financial-education-articles/april-2019/choosing-between-a-bank-and-a-credit-union) - [Facing Foreclosure? There are Options to Get on Solid Ground](https://www.mecu.com/resources/education/financial-education-articles/april-2025/facing-foreclosure-there-are-options-to-get-on-solid-ground) - [Financial Aid 101: How to Get College Scholarships & Grants](https://www.mecu.com/resources/education/financial-education-articles/may-2019/financial-aid-101-how-to-get-college-scholarships-grants) - [Fraud Protection Checklist](https://www.mecu.com/resources/education/financial-education-articles/march-2025/fraud-protection-checklist) - [From 401ks to Roth IRAs: Demystifying Retirement Accounts](https://www.mecu.com/resources/education/financial-education-articles/march-2025/from-401ks-to-roth-iras-demystifying-retirement-accounts) - [Get Smart About Credit Card Warning Signs](https://www.mecu.com/resources/education/financial-education-articles/march-2025/get-smart-about-credit-card-warning-signs) - [How to Brace for Rising Home Costs: A Guide for Homeowners and Renters](https://www.mecu.com/resources/education/financial-education-articles/march-2025/how-to-brace-for-rising-home-costs-a-guide-for-homeowners-and-renters) - [Navigating a Sudden Loss of Income](https://www.mecu.com/resources/education/financial-education-articles/april-2025/navigating-a-sudden-loss-of-income) - [Protecting Your Loved Ones From Elder Fraud](https://www.mecu.com/resources/education/financial-education-articles/march-2025/protecting-your-loved-ones-from-elder-fraud) - [Rental Counseling](https://www.mecu.com/resources/education/financial-education-articles/april-2025/rental-counseling) - [Renter's Guide: 6 Steps to Take When You Can't Afford Rent](https://www.mecu.com/resources/education/financial-education-articles/april-2025/renter-s-guide-6-steps-to-take-when-you-can-t-afford-rent) - [Understanding Your Credit Score](https://www.mecu.com/resources/education/financial-education-articles/march-2025/understanding-your-credit-score) - [What are Payday Loans?](https://www.mecu.com/resources/education/financial-education-articles/march-2025/what-are-payday-loans) ## Products & Services - [About MECU](https://www.mecu.com/why-mecu/mission-values/about-mecu) - [Access Business Checking Account](https://www.mecu.com/business/accounts/checking-accounts/access-business-checking-account) - [Adjustable-Rate Mortgage](https://www.mecu.com/loans-credit/home-loans/mortgages/adjustable-rate-mortgage) - [Adrian Johnson Appointed to Maryland Financial Education & Capability Commission](https://www.mecu.com/why-mecu/connect/news-events/adrian-johnson-appointed-to-maryland-financial-education-capability-commission) - [All Calculators](https://www.mecu.com/resources/calculate/all-calculators) - [Annual Reports](https://www.mecu.com/why-mecu/mission-values/annual-reports) - [ARM vs. Fixed Mortgage Calculator](https://www.mecu.com/resources/calculate/mortgage-calculators/arm-vs-fixed-mortgage-calculator) - [Auto & Home Insurance](https://www.mecu.com/insurance/auto-home-insurance) - [Auto & Loan Protection](https://www.mecu.com/loans-credit/loans/auto-loan-protection) - [Auto Loans](https://www.mecu.com/loans-credit/loans/auto-loans) - [Auto Refinance](https://www.mecu.com/loans-credit/loans/auto-loans/auto-refinance) - [Auto-Build CD](https://www.mecu.com/checking-savings/savings/certificates/auto-build-cd) - [AutoSMART](https://www.mecu.com/loans-credit/loans/auto-loans/autosmart) - [Bank Anytime, Anywhere](https://www.mecu.com/checking-savings/services/bank-anytime-anywhere) - [Basic Checking](https://www.mecu.com/checking-savings/checking/basic-checking) - [Become a Business Partner](https://www.mecu.com/business/business-services/become-a-business-partner) - [Become a Member](https://www.mecu.com/why-mecu/membership/become-a-member) - [Benefits & Advantages](https://www.mecu.com/why-mecu/membership/benefits-advantages) - [Bill Pay](https://www.mecu.com/checking-savings/services/payment-solutions/bill-pay) - [Boat & RV Loans](https://www.mecu.com/loans-credit/loans/auto-loans/boat-rv-loans) - [Budget Calculator](https://www.mecu.com/resources/calculate/savings-calculators/budget-calculator) - [Bump-Up CD](https://www.mecu.com/checking-savings/savings/certificates/bump-up-share-certificate) - [Business Certificates](https://www.mecu.com/business/accounts/business-certificates) - [Business Credit Card](https://www.mecu.com/business/loans-credit/business-credit-card) - [Business Line of Credit](https://www.mecu.com/business/loans-credit/business-line-of-credit) - [Business Money Market](https://www.mecu.com/business/accounts/business-money-market) - [Business Savings Account](https://www.mecu.com/business/accounts/business-savings-account) - [Car Lease vs. Buy Calculator](https://www.mecu.com/resources/calculate/loan-calculators/car-lease-vs-buy-calculator) - [Careers & Culture](https://www.mecu.com/why-mecu/connect/careers-culture) - [Cash Management Services](https://www.mecu.com/business/business-services/cash-management-services) - [CashBack Checking](https://www.mecu.com/checking-savings/checking/cashback-checking) - [Certificate of Deposit (CD) Calculator](https://www.mecu.com/resources/calculate/savings-calculators/certificate-of-deposit-cd-calculator) - [Certificates](https://www.mecu.com/checking-savings/savings/certificates) - [Checking Accounts](https://www.mecu.com/business/accounts/checking-accounts) - [Checking Rates](https://www.mecu.com/rates/checking-rates) - [College Savings Calculator](https://www.mecu.com/resources/calculate/savings-calculators/college-savings-calculator) - [Commercial Construction & Rehab Loans](https://www.mecu.com/business/loans-credit/commercial-construction-rehab-loans) - [Commercial Loan Calculator](https://www.mecu.com/resources/calculate/loan-calculators/commercial-loan-calculator) - [Commercial Real Estate Loans](https://www.mecu.com/business/loans-credit/commercial-real-estate-loans) - [Community Involvement](https://www.mecu.com/why-mecu/mission-values/community-involvement) - [Compare Checking Accounts](https://www.mecu.com/checking-savings/checking/compare-checking-accounts) - [Contact Us](https://www.mecu.com/why-mecu/connect/contact-us) - [Credit Card Payoff Calculator](https://www.mecu.com/resources/calculate/loan-calculators/credit-card-payoff-calculator) - [CURewards Credit Card](https://www.mecu.com/loans-credit/credit-cards/curewards-credit-card) - [Debit Card](https://www.mecu.com/checking-savings/checking/debit-card) - [Debt Protection](https://www.mecu.com/loans-credit/loans/auto-loan-protection/debt-protection) - [Digital Wallet](https://www.mecu.com/checking-savings/services/digital-wallet) - [Disability, Critical Illness, & Accident Insurance](https://www.mecu.com/insurance/disability-critical-illness-accident-insurance) - [Disclosures](https://www.mecu.com/disclosures) - [Education Savings Account](https://www.mecu.com/checking-savings/savings/iras-education-savings/education-savings-account) - [External Loan Pay](https://www.mecu.com/checking-savings/services/payment-solutions/external-loan-pay) - [FHA Loans](https://www.mecu.com/loans-credit/home-loans/mortgages/fha-loans) - [Financial Coaching](https://www.mecu.com/resources/support/financial-coaching) - [First-Time Homebuyers Loan](https://www.mecu.com/loans-credit/home-loans/mortgages/first-time-homebuyers-loan) - [Fixed-Rate Mortgages](https://www.mecu.com/loans-credit/home-loans/mortgages/fixed-rate-mortgages) - [Forms & Applications](https://www.mecu.com/resources/support/forms-applications) - [Frequently Asked Questions](https://www.mecu.com/resources/support/frequently-asked-questions) - [Guidance for Every Step](https://www.mecu.com/resources/support/guidance-for-every-step) - [HELOC Calculator](https://www.mecu.com/resources/calculate/loan-calculators/heloc-calculator) - [Holiday Savings Account](https://www.mecu.com/checking-savings/savings/holiday-savings-account) - [Holiday Schedule](https://www.mecu.com/why-mecu/connect/locations/holiday-schedule) - [Home Affordability Calculator](https://www.mecu.com/resources/calculate/mortgage-calculators/home-affordability-calculator) - [Home Equity](https://www.mecu.com/loans-credit/home-loans/home-equity) - [Home Equity Line of Credit](https://www.mecu.com/loans-credit/home-loans/home-equity/home-equity-line-of-credit) - [Home Equity Loans](https://www.mecu.com/loans-credit/home-loans/home-equity/home-equity-loans) - [Home Loan Rates](https://www.mecu.com/rates/home-loan-rates) - [Insurance](https://www.mecu.com/insurance) - [Interactive Teller Machines](https://www.mecu.com/checking-savings/services/interactive-teller-machines) - [IRAs & Education Savings](https://www.mecu.com/checking-savings/savings/iras-education-savings) - [Learning Hub](https://www.mecu.com/resources/education/learning-hub) - [levelUP Financial Wellness™](https://www.mecu.com/resources/education/levelup-financial-wellness) - [Life Insurance](https://www.mecu.com/insurance/life-insurance) - [Loan Calculators](https://www.mecu.com/resources/calculate/loan-calculators) - [Loan Rates](https://www.mecu.com/rates/loan-rates) - [Loan Refinance](https://www.mecu.com/loans-credit/loans/loan-refinance) - [LoanExpress](https://www.mecu.com/loans-credit/loans/loanexpress) - [Locations](https://www.mecu.com/why-mecu/connect/locations) - [MECU Brings Comfort and Joy with Donations to Baltimore Nonprofits](https://www.mecu.com/why-mecu/connect/news-events/mecu-brings-comfort-and-joy-with-donations-to-baltimore-nonprofits) - [MECU Brings Real-World Perspectives to Digital Harbor High School Financial Education](https://www.mecu.com/why-mecu/connect/news-events/mecu-brings-real-world-perspectives-to-digital-harbor-high-school-financial-education) - [MECU Cards App](https://www.mecu.com/checking-savings/services/mecu-cards-app) - [MECU Celebrates 90 Years!](https://www.mecu.com/why-mecu/connect/news-events/mecu-celebrates-90-years) - [MECU Credit Union Launches “90 Days of Community” ](https://www.mecu.com/why-mecu/connect/news-events/mecu-credit-union-launches-90-days-of-community) - [MECU Foundation Celebrates 20 Years of Giving on the Green: Raises More Than $66,000 for Baltimore Students](https://www.mecu.com/why-mecu/connect/news-events/mecu-foundation-celebrates-20-years-of-giving-on-the-green) - [MECU Pay](https://www.mecu.com/checking-savings/services/payment-solutions/mecu-pay) - [Merchant Services](https://www.mecu.com/business/business-services/merchant-services) - [Mobile Banking](https://www.mecu.com/checking-savings/services/mobile-banking) - [Money Market](https://www.mecu.com/checking-savings/savings/money-market) - [Mortgage Calculator](https://www.mecu.com/resources/calculate/mortgage-calculators/mortgage-calculator) - [Mortgage Calculators](https://www.mecu.com/resources/calculate/mortgage-calculators) - [Mortgage Form Thank You Page](https://www.mecu.com/loans-credit/home-loans/mortgages/refinance-your-home-loan/mortgage-form-thank-you-page) - [Mortgage Payoff Calculator](https://www.mecu.com/resources/calculate/mortgage-calculators/mortgage-payoff-calculator) - [Mortgages](https://www.mecu.com/loans-credit/home-loans/mortgages) - [Motorcycle Loans](https://www.mecu.com/loans-credit/loans/auto-loans/motorcycle-loans) - [My Money Goals](https://www.mecu.com/resources/support/my-money-goals) - [New & Used Auto Loans](https://www.mecu.com/loans-credit/loans/auto-loans/new-used-auto-loans) - [News & Events](https://www.mecu.com/why-mecu/connect/news-events) - [Notices & Fees](https://www.mecu.com/disclosures/notices-fees) - [Online Banking](https://www.mecu.com/checking-savings/services/online-banking) - [Payment Solutions ](https://www.mecu.com/checking-savings/services/payment-solutions) - [Payroll & HR Services](https://www.mecu.com/business/business-services/payroll-hr-services) - [Personal Line of Credit](https://www.mecu.com/loans-credit/loans/personal-loans/personal-line-of-credit) - [Personal Loan Calculator](https://www.mecu.com/resources/calculate/loan-calculators/personal-loan-calculator) - [Personal Loans](https://www.mecu.com/loans-credit/loans/personal-loans) - [Phone Banking](https://www.mecu.com/checking-savings/services/phone-banking) - [Privacy](https://www.mecu.com/disclosures/privacy) - [Rates](https://www.mecu.com/rates) - [Refinance Your Home Loan](https://www.mecu.com/loans-credit/home-loans/mortgages/refinance-your-home-loan) - [Regular CD](https://www.mecu.com/checking-savings/savings/certificates/regular-share-certificate) - [Rent vs. Buy Calculator](https://www.mecu.com/resources/calculate/mortgage-calculators/home-rent-vs-buy-calculator) - [Residential Investment Property Loans](https://www.mecu.com/loans-credit/home-loans/mortgages/residential-investment-property-loans) - [Retirement Calculators](https://www.mecu.com/resources/calculate/retirement-calculators) - [Retirement Income Calculator](https://www.mecu.com/resources/calculate/retirement-calculators/retirement-income-calculator) - [Retirement Nest-Egg Calculator](https://www.mecu.com/resources/calculate/retirement-calculators/retirement-nest-egg-calculator) - [Retirement Savings Calculator](https://www.mecu.com/resources/calculate/retirement-calculators/retirement-savings-calculator) - [RewardChecking](https://www.mecu.com/checking-savings/checking/reward-checking) - [Risk Based Pricing Notice](https://www.mecu.com/disclosures/risk-based-pricing-notice) - [Roth IRA Calculator](https://www.mecu.com/resources/calculate/retirement-calculators/roth-ira-calculator) - [Roth vs. Traditional IRA Calculator](https://www.mecu.com/resources/calculate/retirement-calculators/roth-vs-traditional-ira-calculator) - [Savings Calculators](https://www.mecu.com/resources/calculate/savings-calculators) - [Savings Goal Calculator](https://www.mecu.com/resources/calculate/savings-calculators/savings-goal-calculator) - [Savings Interest Calculator](https://www.mecu.com/resources/calculate/savings-calculators/savings-interest-calculator) - [Savings Rates](https://www.mecu.com/rates/savings-rates) - [Search](https://www.mecu.com/search) - [Security Center](https://www.mecu.com/resources/education/security-center) - [Select Employee Groups](https://www.mecu.com/why-mecu/membership/select-employee-groups) - [Share CD/Secured Loan](https://www.mecu.com/loans-credit/loans/personal-loans/share-cd-secured-loan) - [Share Savings Account](https://www.mecu.com/checking-savings/savings/share-savings-account) - [Simple Business Checking Account](https://www.mecu.com/business/accounts/checking-accounts/simple-business-checking-account) - [Sitemap](https://www.mecu.com/sitemap) - [SuperFlex CD](https://www.mecu.com/checking-savings/savings/certificates/superflex-share-certificate) - [Switch Guide](https://www.mecu.com/why-mecu/membership/become-a-member/switch-guide) - [Thank You for Contacting Us](https://www.mecu.com/why-mecu/connect/contact-us/thank-you-for-contacting-us) - [Traditional & Roth IRAs](https://www.mecu.com/checking-savings/savings/iras-education-savings/traditional-roth-iras) - [Unsecured Personal Loans](https://www.mecu.com/loans-credit/loans/personal-loans/unsecured-personal-loans) - [Vehicle & Equipment Loans](https://www.mecu.com/business/loans-credit/vehicle-equipment-loans) - [Vehicle Protection](https://www.mecu.com/loans-credit/loans/auto-loan-protection/auto-loan-protection) - [Visa Credit Cards](https://www.mecu.com/loans-credit/credit-cards/visa-credit-cards) - [Visa Platinum Credit Card](https://www.mecu.com/loans-credit/credit-cards/visa-credit-cards/visa-platinum-credit-card) - [Visa Platinum Rewards Credit Card](https://www.mecu.com/loans-credit/credit-cards/visa-credit-cards/visa-platinum-rewards-credit-card) - [Visa Platinum Secured Credit Card](https://www.mecu.com/loans-credit/credit-cards/visa-credit-cards/visa-platinum-secured-credit-card) - [Visa Signature Cash Rewards Credit Card](https://www.mecu.com/loans-credit/credit-cards/visa-credit-cards/visa-signature-cash-rewards-credit-card) - [Website Accessibility](https://www.mecu.com/website-accessibility) ## Current Promotions - [Bylaws](https://www.mecu.com/bylaws) - [Celebrate 90 Years at 4.00% APY*](https://www.mecu.com/new-money) - [Celebrating 90 Years!](https://www.mecu.com/celebrating-90-years) - [Grow Your Next Financial Chapter](https://www.mecu.com/grow-your-next-financial-chapter) - [Holiday Line of Credit](https://www.mecu.com/existing-holiday-line-of-credit) - [Holiday Line of Credit](https://www.mecu.com/holiday-line-of-credit) - [Love Baltimore? Buy Baltimore!](https://www.mecu.com/love-baltimore-buy-baltimore) - [MECU Picnic - Event is Full](https://www.mecu.com/picnic-redirect) - [Payroll Deduction](https://www.mecu.com/payroll-deduction) - [Snap, Post, Win Rules](https://www.mecu.com/snappostwin) - [Trolley Tour Sign In](https://www.mecu.com/trolley-tour-sign-in) - [TruStage™ Member Claims Portal](https://www.mecu.com/loans-credit/loans/auto-loan-protection/trustage-member-claims-portal) - [Unpack Those Special Moments](https://www.mecu.com/unpack-those-special-moments) - [When Life Happens, Use What You've Built](https://www.mecu.com/when-life-happens-use-what-you-ve-built) ## Locations - [Commerce Center Branch](https://www.mecu.com/why-mecu/connect/locations/commerce-center-branch) - [Dundalk Branch](https://www.mecu.com/why-mecu/connect/locations/dundalk-branch) - [Hamilton Center Branch](https://www.mecu.com/why-mecu/connect/locations/hamilton-center-branch) - [Headquarters Branch](https://www.mecu.com/why-mecu/connect/locations/headquarters-branch) - [Loch Ridge Center Branch](https://www.mecu.com/why-mecu/connect/locations/loch-ridge-center-branch) - [PJM Center Branch](https://www.mecu.com/why-mecu/connect/locations/pjm-center-branch) - [Randallstown Branch](https://www.mecu.com/why-mecu/connect/locations/randallstown-branch) - [Seton Branch](https://www.mecu.com/why-mecu/connect/locations/seton-branch) - [Westview Branch](https://www.mecu.com/why-mecu/connect/locations/westview-branch)