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3% APY plus so much more, it's not just good, it's Xceptional Checking!

Xceptional Checking

    Earn 3% APY* on checking account balances up to $10,000. Yes, 3% APY*. That's higher than most certificates and money markets - which is what makes it Xceptional!

  • No sneaky monthly fees
  • Earn cash back on select purchases with your Visa Debit Card
  • No Securityplus ATM surcharge fees
  • 24/7 account access with Online & Mobile Banking
  • eStatements, Mobile Deposit, Popmoney, Bill Pay, and more
  • Exclusive MD Pride Debit Card Design


It's so easy to qualify for the full rewards that you're probably already doing it. Simply do the following each month:

  • Minimum of 15 posted debit card purchases of at least $5 each per month
  • Have a direct deposit or ACH totaling at least $400
  • Be actively enrolled in eStatements/eNotices
*APY = Annual Percentage Yield
Dividends are calculated using the daily balance method which applies a daily periodic rate to the principal each day. Members who do not meet the monthly requirements to receive the 3% APY will receive an APY of .05% on their checking account balance. Purchases must have been posted prior to the last day of the month in order to count towards the 15 purchase minimum for that particular month, purchases made but still ‘pending’ are not counted. Rate subject to change.
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Securityplus was named 'Corporate Citizen of the Year' by Strong City Baltimore.

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If you live, work, worship, or go to school in the City of Baltimore; are employed by or retired from SSA or CMS; or are in the immediate family of an existing member, you are eligible to join Securityplus Federal Credit Union.
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