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5-Year Lock. Better Loan. Better Rate.

Offer valid September 5, 2017 through November 3, 2017, but is subject to change without notice. Standard underwriting criteria apply. Property must be located in the Bank’s service area. At the Bank’s discretion, interest rates may change at any time without notice. The APR is fixed for the first 60 months, and then converts to a variable rate. As of September 5, 2017, the variable APR is based upon The Wall Street Journal Prime Rate plus .24% was 4.49%. The maximum APR is 18.00%. APR based upon line of credit up to 90% loan-to-value. The interest rate for your line is based upon your creditworthiness. Property insurance is required. The payment must be automatically deducted from a checking or statement savings account. Your minimum payments may not be sufficient to fully repay the principal that is outstanding on your line at the end of the term. If they are not, you will be required to pay the entire outstanding balance in a single payment. Pennsylvania properties carry a pre-payment penalty of 2% of the credit limit or $350, whichever is less, for home equity lines of credit that are terminated in the first 36 months. Subject to appraisal requirements. If we are unable to determine the property value with an Automated Valuation Model (AVM) and Property Condition Report (PCR), the Bank may be required to order an appraisal. The cost of the appraisal will be the applicant’s responsibility. If the line request is over $250,000, title Insurance will be required and the fee will be the applicant’s responsibility. In addition to the information above, for properties located in the state of Maryland, mortgage recordation taxes will be paid by the borrower. Other rates and terms are available.

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  • Home Equity Loan

  • Home Equity Installment
    • Initial APR is fixed at 4.49% (with auto draft)
    • Maximum loan term is 180 months
    • Collateral for the loan must be your primary residence
    • Title Insurance required on requests over $250,000
    • All fees waived, unless an appraisal is needed
    • We will consider a loan to value (LTV) up to 90%
    • For properties located in the state of Maryland, mortgage recordation taxes will be paid by the borrower

    See Rates & Terms

  • Unsecured

  • Personal Loan
    • Loan approvals are good for 30 days from the date of approval.
    • Must have a stated purpose for this type of loan.
    • A $35 nonrefundable processing fee is required on this loan type.
    • No collateral required, terms range from one month to 84 months.

    See Rates & Terms

  • Home Equity Credit Line

  • Five Year Lock
    • The 1.99% APR is locked for the first 6 months; then will change to 4.29% fixed for the next 54 months; then converts to variable APR based on Wall Street Journal Prime plus a margin for the remaining advance period
    • Term includes a ten (10) year draw period, followed by a ten (10) year repayment period
    • Collateral for the line of credit must be your primary residence
    • Title Insurance required on requests over $250,000
    • All fees waived, unless an appraisal is needed
    • We will consider a loan to value (LTV) up to 90%
    • For properties located in the state of Maryland, mortgage recordation taxes will be paid by the borrower.

    See Rates & Terms

  • Variable Rate
    • Initial APR is fixed at 1.99% (with auto draft) for the first twelve (12) months; then variable APR based on Wall Street Journal Prime plus a margin
    • Promotional rates may require a higher minimum amount
    • Collateral for the line of credit must be your primary residence
    • Title Insurance required on requests over $250,000
    • We will consider a loan to value (LTV) up to 90%
    • Term includes a ten (10) year draw period, followed by a ten (10) year repayment period
    • For properties located in the state of Maryland, mortgage recordation taxes will be paid by the borrower.

    See Rates & Terms

  • Credit Line

  • My Money Line
    • Minimum line amount is $2,500
    • Initial APR with a $2,500 initial new money advance is fixed for 6 months, then is a variable APR based on Wall Street Journal Prime plus a margin.  If no initial new money advance is taken, the APR is variable based on Wall Street Journal Prime plus a margin.
    • Term is a 4 year draw period, with a 4 year repayment.
    • Loan approvals are good for 30 days from the date of approval.
    • No collateral is needed.
    • A $35 processing fee is required on this loan type.

    See Rates & Terms

  • Auto

  • New Auto
    • Loan approvals are good for 30 days from the date of approval.
    • Eligible vehicles are current model year and newer.
    • If current model year, must have 12,000 miles or less to be financed as new.
    • Maximum Loan-to-Value is 100% of the purchase price.
    • Maximum loan term is 72 months, with a minimum loan amount of $1,000.
    • Full auto insurance coverage is required.

    See Rates & Terms

  • Used Auto
    • Loan approvals are good for 30 days from the date of approval.
    • Maximum age of vehicle is 7 years.
    • Salvaged vehicles are not considered acceptable collateral.
    • Maximum Loan-to-Value is 90% of the purchase price or retail value as found in the NADA Book.
    • Maximum loan term is 60 months, with a minimum loan amount of $1,000.
    • Full auto insurance coverage is required.

    See Rates & Terms

  • Student Credit

  • Extra-Credit Student Line of Credit: Unsecured
    • Minimum credit line amount is $2,500
    • Term is a 60 month draw period with a 120 month repayment period
    • First 60 months the payments are interest only billed quarterly, during the repayment period the payments are billed as principal plus accrued interest
    • APR is variable based on Wall Street Journal Prime plus a margin
    • No collateral is needed
    • Access can be by a line of credit check, telephone banking or online banking
    • Typically requires both the student and parents/legal guardians to jointly sign

    See Rates & Terms

  • Extra-Credit Student Line of Credit: Secured
    • Minimum credit line amount is $2.500
    • Term is a 60 month draw period with a 120 month repayment period
    • First 60 months the payments are interest only billed quarterly, during the repayment period the payments are billed as principal plus accrued interest
    • APR is variable based on Wall Street Journal Prime plus or minus a margin
    • Collateral is required on this line
    • Access can be by a line of credit check, telephone banking or online banking
    • Requires both the student and parents/legal guardians to jointly sign

    See Rates & Terms