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We're Your Financial Services Partner

We know that one size doesn't fit every business. At Securityplus, we'll work with you to provide the financial resources you'll need as your business changes and grows.

Let us be your partner in achieving your business goals. Your business’s success is our success!

Whether you are a new or established business, small, mid-sized, or large, we offer a variety of products and services to benefit your business needs and support your business's growth and stability.

At Securityplus, we will prioritize your business's financial well-being. We'll also work hard to gain your trust because building a good relationship with you is extremely important to us!

You can feel comfortable knowing that our services, advice, and decision-making are all done locally with care and consideration, by people you know and people who know you.

Questions? Contact our Business Services Department

Business Services Department
Securityplus Federal Credit Union
7135 Windsor Boulevard
Baltimore, Md. 21244
Hotline # 410-281-6282
Direct Office # 410-281-6233

No matter what the needs of your business, we have a checking account that fits.

Standard Business Checking

A great option for your daily transactions with no charge for the first 150 combined transactions.

Business Checking Plus

Earn dividends without monthly maintenance fees with a minimum balance of $1,500.

Compare Business Checking Accounts

Account Feature
Minimum Daily Balance $0
Monthly Minimum Balance Fee $0$10
Debits & Credits Per Item First 150 Free
First 300 Free
Overdraft (Non-Sufficient Funds) $30$30
Monthly Service Fee
Stop Payment
Inactive Checking Account Fee
Personalized Checks
Price at Branch
Price at Branch

Plus, get these free services with either account:

  • Free Overdraft Protection from your Securityplus Business Savings account.
  • Free Downloads into Quickbooks.
  • Free Access to Digital Banking.
  • Free Securityplus Visa® Business Debit Card
  • Free monthly statements – mailed at the end of each statement cycle
  • Make your company’s excess funds work harder by earning dividends in a Savings, Money Market or Certificate Account.

    Business Savings Account

    • A low $5 minimum balance is required
    • Maintain $500 to earn advertised APY
    • Deposits are insured to an aggregated total of $250,000 by the NCUA

    Savings Account Rates
    Effective Mar 1, 2024
    Description Dividend Rate APY* Min Open Deposit
    Share Savings Account** 0.10% 0.10% $5
    *APY = Annual Percentage Yield
    **The minimum required to open this account is the purchase of a $5.00 share. The minimum withdrawal amount is $10.00. Transactions are subject to limitations.

    Business Money Market Account

    • Maintain $2,500 to earn advertised APY
    • Check writing ability (limited)
    Money Market Account Rates
    Effective Mar 01, 2024
    Description Dividend APY* Min Open Deposit
    Money Market Account (MMA) 0.10% 0.10% $1,500
    MMA Plus ($5,000 - $49,999.99) 0.15% 0.15% $1,500
    MMA Premier ($50,000 - $249,999.99) 0.20% 0.20% $1,500
    MMA Prestige ($250,000+) 0.25% 0.25% $1,500
    *APY = Annual Percentage Yield.
    **The minimum opening deposit required is $1,500 and must be maintained as an average daily balance to obtain the disclosed annual percentage yield. Average daily balances that fall under $1,500, but remain above $500, on any day will receive the checking account annual percentage yield for that day. Average daily balances under $500 will receive no dividends. Transactions are subject to limitations. Dividend rate is subject to change monthly. Please contact a Member Service Representative for details.

    Business Certificate

    • Flexible opportunities for higher earnings
    • Terms range from 3 months to 5 years
    • Minimum initial opening deposit of $1,000
    Certificate Rates
    Effective Mar 01, 2024
    Term† Dividend APY*
    1 yr 4.89% 5.00%
    2 yr 4.07% 4.15%
    5 yr 2.72% 2.75%
    4 yr 2.72% 2.75%
    3 yr 2.72% 2.75%
    6 mo 0.60% 0.60%
    3 mo 0.40% 0.40%
    *APY = Annual Percentage Yield. Minimum opening deposit of $1,000, and must be maintained throughout the term of the certificate. Early withdrawal penalties may apply. Advertised rates are rounded to the nearest one hundredth of one percentage point. †Personal account certificates 12 months and longer are available as share or IRA. 

    Every dollar counts when it comes to your business and a Business Platinum Rewards Visa® credit card gives your business more!

    Visa® Business Platinum Rewards

    • Introductory rate of 3.99% APR* on purchases and balance transfers made within 12 months of credit card issue date1
    • Earn 1.25 points Rewards for every $1 spent on purchases2, unlimited
    • Redeem Rewards points for cash back, merchandise, travel, or gift cards, at Opens in New Window
    • No balance transfer fee
    • Credit limits up to $25,000
    • No annual fee
    • Secure, contactless payment
    Business Credit Card

    Visa Business Credit Card Rates
    Effective Mar 01, 2024
    Description Intro APR* Intro Term Standard Variable APR*
    Business Platinum Rewards 3.99%1 Balance Transfers and Purchases for 12 months 15.25% - 17.99%
    *APR = Annual Percentage Rate. The VISA rates adjust quarterly, on the first day of January, April, July and October. The rate applied on those dates is based upon the Prime Rate in effect May 04, 2023, and remains in effect until the next change date.
    1The 3.99% transfer balance rate is good on balance transfers of $500 or more made within 12 months from the date of Business Platinum Rewards card account opening. If the balance is not paid off by the end of the 12 month time period, the rate will become a variable rate tied to the Wall Street Journal Prime Rate, or as low as Prime Rate + 7.00% - 17.99% based on creditworthiness. Eligibility is based on credit history and proof of income. Underwriting criteria apply. Rates are subject to change based on borrower eligibility and market conditions.
    2Cash advances, credit card checks, and balance transfers do not earn Rewards points.


    Securityplus offers offers a variety of business loans from $5,000 to $1 million to meet you where you are and help get you to where you want to be. Our business members can manage loans and make paymentsOpens in New Window conveniently through Servion Commercial Services, our business loan platform.

    Commercial Real Estate

    Secure the perfect space for your business with our commercial real estate loans, catering to owner-occupied and non-owner-occupied properties.

    • Competitive fixed and variable rates
    • Low closing costs
    • No prepayment penalties
    • Financing available for multi-family, retail, warehouses, industrial, office buildings, mixed-use, and residential rental properties

    Business Term Loans

    Explore the many uses of our term loans to meet and exceed your business’s financial expectations for growth and expansion.

    • Competitive fixed and variable rates
    • Flexible financing for up to 7 years
    • Low closing costs
    • Loan to Value up to 80%

    Equipment & Machinery

    Invest in the tools of your trade with business loans designed for equipment and machinery purchases, enhancing your operational efficiency.

    • Competitive fixed rates
    • Flexible financing for up to 7 years
    • Purchase Agreement or Contract of Sale with VIN or Item Identification number is required

    Investment Property Real Estate

    Take advantage of our financing for investment real estate projects with competitive loan-to-value percentages and affordable pricing.

    • Competitive fixed and variable rates
    • Flexible financing up to 7 years
    • Low closing costs
    • Loan to Value between 65% to 75%

    Business Vehicle Loans

    Invest in the tools of your trade with business loans designed for vehicle purchases, enhancing your operational efficiency.

    • Competitive fixed rates
    • Flexible financing up to 7 years
    • Low closing costs
    • Loan to Value up to 80%

    Business Line of Credit

    Experience the flexibility of a Securityplus business line of credit, providing access to funds when needed and adapting to your changing financial needs.

    • Competitive variable rates tied to the prime rate.
    • Secured or unsecured loans are available with interest-only payments
    • We consider various types of collateral for higher loan amounts. The most common forms of collateral are real estate, free and clear vehicles, and business assets. Lines of credit are renewed annually on the anniversary date.


    Note: We do not offer construction loans. SBA Loans are projected to begin in late summer 2023.


    Partner with Securityplus and experience the benefits of our tailored business loan solutions, each designed to help you unlock your business’s full potential and to create a Positive Difference in how you do business. Contact Securityplus today to learn more about how our financing options can pave the way for your success.

    When applying for a loan, please provide the required documentation as specified for your loan type:

    Contact Securityplus Business Services to get started.
    Or Call 410-281-6200, ext. 6233

    Join Securityplus Today

    Becoming a member of our Credit Union is easy! It only takes a few minutes to apply and make the $5.00 minimum deposit to open your Share Savings account. Benefit from lower lending rates, higher dividend rates, fewer or lower fees, and more!


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