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At the Bank’s discretion, interest rates and terms may change at any time without notice.

  • Home Equity Loan

  • Home Equity Installment (Special)

    10-Year Home Equity Loan Special

    • Apply for a 10-Year Fixed Rate Home Equity Loan with a fixed rate of 3.99% APR before May 30, 2020 and fees may be waived.
    • The minimum loan amount is $10,000.
    • With an APR of 3.99 %, the monthly loan payment is $101.20 for $10,000 borrowed for a term of 120 months.
    • Payment must be automatically deducted from a Bank checking or statement savings account.

    Home Equity Installment

    • Maximum loan term is 240 months with a fixed APR based on the term - See Rates & Terms below
    • Minimum loan amount is $3,500
    • Collateral for the loan must be your primary residence
    • Title Insurance may be required on requests over $250,000
    • All fees are charged
    • For properties located in the state of Maryland, mortgage recordation taxes will be paid by the borrower
    • We will consider a loan to value (LTV) up to 90%

    See Rates & Terms

  • Unsecured

  • Personal Loan Special
    • Rate: 6.99% APR
    • Apply for a Personal Loan with an APR rate of 6.99% before May 30, 2020 and the $35.00 application fee will be waived.
    • Term: Up to 84 months
    • Loan Amount: Borrow up to $25,000

    See Rates & Terms

  • Home Equity Credit Line

  • Five Year Lock (Special)

    5-Year Lock Home Equity Line Special

    • Apply for a 5-Year Lock Home Equity Line of Credit with an introductory rate of 1.89% APR before May 30, 2020 and fees may be waived.
    • The 1.89% APR is locked for the first 12 months; then converts to a rate lock of 3.99% APR for the next 48 months and then converts to a variable rate. The current variable APR is 3.99%.
    • Offer is valid with auto draft of payment from a Bank checking or statement savings account.
    • New money requirement of $10,000.

    5-Year Lock Home Equity Line

    • The 1.99% APR is locked for the first 12 months; then converts to a rate lock of 4.99% 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
    • 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 may be required on requests over $250,000 and the fee will be paid by the borrower
    • All fees are charged
    • 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.
    • Other rates and terms are available

    See Rates & Terms

  • Variable Rate
    • Initial APR is fixed at 2.24% (with auto draft) for the first twelve (12) months; then variable APR based on Wall Street Journal Prime plus a margin
    • 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
    • Other rates and terms are available

    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
    • 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