Home Equity Loan
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Home Equity Installment
- Initial APR is fixed at 4.49% (with auto draft)
- Maximum loan term is 120 months
- Collateral for the loan must be your primary residence
- Title Insurance may be required on requests over $250,000
- All fees waived, except for appraisal, title insurance or Maryland recordation tax if 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
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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
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Five Year Lock
- The 1.85% APR is locked for the first 12 months; then converts to a rate lock of 4.85% APR for the next 48 months.
- The remaining advance and repayment period would then be variable at Wall Street Journal Prime plus a margin of .74%.
- Offer is valid with auto draft of payment from a checking or statement savings account.
- Collateral for the line of credit must be your primary residence
- Title Insurance required on requests over $250,000 and the fee will be paid by the borrower
- 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.
- Any additional fees will be paid by the borrower
- Other rates and terms are available.
See Rates & Terms -
Variable Rate
- Initial APR is fixed at 1.99% (with auto draft or billing statement) 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 and the fee will be paid by the borrower
- 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.
- Any additional fees will be paid by the borrower
See Rates & Terms Credit Line
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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
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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
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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
- A $125.00 application fee is required if the loan is approved
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
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