Online Loan Application

15-Year Home Equity Loan Special

• Apply for a 15-Year Fixed Rate Home Equity Loan with a fixed rate of 3.99% APR before November 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 $73.92 for $10,000 borrowed for a term of 180 months.
• Payment must be automatically deducted from a Bank checking or statement savings account.

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

5-Year Lock Home Equity Line Special

• Apply for a 5-Year Lock Home Equity Line of Credit with an introductory rate of 1.79% APR before November 30, 2020 and fees may be waived
• The 1.79% APR is locked for the first 12 months; then converts to a rate lock of 3.74% APR for the next 48 months and then converts to a variable rate.
• Offer is valid with auto draft of payment from a checking or statement savings account.

• 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 80%
• 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

• 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.

• 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.

• 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.

• 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

• 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