interior-image

Rates

Share Rates

Effective As of December 1, 2017

Share Savings            Min. Balance to Obtain APY APY* Dividend 
 Share Savings $25  0.20%       0.20%
Share Savings $5,000      0.25%        0.25%
Share Savings $10,000 0.30%          0.30%
Share Savings $25,000 0.35% 0.35%
 *APY=Annual Percentage Yield

Share Draft Checking  Min. Balance to Obtain APY  APY*  Dividend
Share Draft Checking          $0  0.15% 0.15%
  *APY=Annual Percentage Yield

Custom Share Savings Min. Balance to Obtain APY APY* Dividend
Custom/Universal Share Savings $0 0.20% 0.20%
Custom/Universal Share Savings $5,000 0.25% 0.25%
Custom/Universal Share Savings $10,000 0.30% 0.30%
Custom/Universal Share Savings $25,000 0.35% 0.35%
  *APY=Annual Percentage Yield

Holiday Club Min. Balance to Obtain APY APY* Dividend
Holiday Club $0 0.20% 0.20%
  *APY=Annual Percentage Yield

Education Savings Min. Balance to Obtain APY APY* Dividend
Education Sav. - 3 yr. $100 0.35% 0.35%
Education Sav. - 5 yr $100 0.35% 0.35%
  *APY=Annual Percentage Yield


Money Market  Min. Balance to Obtain APY  APY*  Dividend
Money Market** $7,500 - $49,999.99 0.35% 0.35%
Money Market** $50,000 or more 0.40% 0.40%
 *APY=Annual Percentage Yield
**Money Market Balances that fall below $7,500 will earn an interest rate equal to the current Share Draft Checking rate.


Share Certificates Min. Balance to Obtain APY APY* Dividend
Share Certificate - 182 to 364 Days $500 0.35% 0.35%
Share Certificate - 12 to 23 Months $500 0.55% 0.55%
Share Certificate - 24 to 35 Months $500 0.75% 0.75%
Share Certificate - 36 to 59 Months $500 1.10% 1.10%
Share Certificate - 60 Months $500 1.46% 1.45%
  *APY=Annual Percentage Yield

Jumbo Certificates Min. Balance to Obtain APY APY* Dividend
Jumbo Share Certificate - 182 to 364 Days $50,000 0.35% 0.35%
Jumbo Share Certificate - 12 to 35 Months $50,000 0.55% 0.55%
Jumbo Share Certificate - 36 to 60 Months $50,000 1.31% 1.30%
  *APY=Annual Percentage Yield

IRA: Share Savings Min. Balance to Obtain APY APY* Dividend
IRA - Open Share Savings $500 0.35% 0.35%
IRA - Open Share Savings $50,000 0.40% 0.40%
  *APY=Annual Percentage Yield

IRA Certificate Min. Balance to Obtain APY APY* Dividend
IRA Certificate - 12 Months $500 0.55% 0.55%
IRA Certificate - 24 Months $500 0.75% 0.75%
IRA Certificate - 48 Months $500 1.31% 1.30%
  *APY=Annual Percentage Yield

IRA Rollover Certificate Min. Balance to Obtain APY APY* Dividend
IRA Rollover Certificate - 18 Months* $5,000 1.46% 1.45%
 *APY=Annual Percentage Yield
**Available for IRA proceeds transferred from another IRA custodian only (NOTE: Inherited IRAs are ineligible for deposit to the IRA Rollover Certificate.)


Loan Rates

Effective As of December 1, 2017

New Cars    APR*
New Cars (72 months or less)**
 as low as  2.44%
New Cars (84 months)**
 as low as  2.94%
*APR=Annual Percentage Rate
**Rate subject to change. Rates are determined by an evaluation of the applicant’s credit. Your actual rate my vary. Representative payment example: A $20,000.00 auto loan at a fixed rate of 2.44% APR for 60 month would require 60 monthly payments of $354.46.
Used Cars    APR*
Used Cars (72 months or less)**
as low as 2.44%
Used Cars (84 months)** as low as 2.94%
*APR=Annual Percentage Rate
**Rate subject to change. Rates are determined by an evaluation of the applicant’s credit. Your actual rate my vary. Representative payment example: A $20,000.00 auto loan at a fixed rate of 2.44% APR for 60 month would require 60 monthly payments of $354.46.
New Other Vehicles   APR* 
New Other Vehicles (60 months or less)**
as low as   3.44%
New Other Vehicles (72 months)**
as low as   3.69%
New Other Vehicles (84 months)**
as low as   4.44%
*APR=Annual Percentage Rate
**Rate subject to change. Rates are determined by an evaluation of the applicant’s credit. Your actual rate my vary. Representative payment example: A $20,000.00 auto loan at a fixed rate of 3.44% APR for 60 month would require 60 monthly payments of $364.27
Used Other Vehicles    APR*
Used Other Vehicles (60 months or less)**
as low as  3.44%
Used Other Vehicles (72 months)**
as low as   3.69%
Used Other Vehicles (84 months)**
as low as   4.44%
*APR=Annual Percentage Rate
**Rate subject to change. Rates are determined by an evaluation of the applicant’s credit. Your actual rate my vary. Representative payment example: A $20,000.00 auto loan at a fixed rate of 3.44% APR for 60 month would require 60 monthly payments of $364.27.
Visa Credit Cards    APR*
Visa Platinum Credit Card      as low as  7.90%
Visa Platinum  Rewards Credit Card as low as 9.40%
 *APR=Annual Percentage Rate
First Mortgages  Term  Rate  APR*
Fixed First Mortgage  30 Year  4.000% 4.105%
Fixed First Mortgage  20 Year  3.750% 3.894%
Fixed First Mortgage          15 Year  3.500% 3.684%
Fixed First Mortgage  10 Year  3.375% 3.641%

*APR= Annual Percentage Rate. Annual percentage rates are based upon a $250,000 loan amount and 80% loan-to-value ratio with no mortgage insurance. Rates and APRs displayed are base rates and do not reflect loan level price adjustments for credit, LTV, or other factors. Down payment may be required. Property and flood insurance may be required, therefore the actual payment would be greater. Rates are subject to change at any time. Your interest rate may be different based upon the circumstances of your specific loan. For most up-to-the-minute rates please call 410-823-3300.

Specialty Mortgages  Rate  APR*
10/1 A.R.M (1st Mortgage)**            3.750% 4.181%
80/10/10 (1st Mortgage)
Please call our loan department at 410-535-4500 x503

*APR=Annual Percentage Rate. Annual percentage rates are based upon a $250,000 loan amount and 80% loan-to-value ratio for a conventional loan with no mortgage insurance. Down payment may be required. Property and flood insurance may be required, therefore the actual payment would be greater. Rates and APRs displayed are base rates and do not reflect loan level price adjustments for credit, LTV, or other factors. Rates are subject to change at any time. Your interest rate may be different based upon the circumstances of your specific loan. For most up-to-the-minute rates please call 410-823-3300.
**Calculated using the following parameters: Index: One Year LIBOR, Margin: 2.75%, Rate Floor: 4.00%, Initial Rate Increase: 2.00%, Annual Rate Increase: 2.00%, Lifetime Rate Cap: 15.00%

HomeFree Home Loan    APR*
HomeFree Home Loan (external refi)**
 as low as 3.875%
HomeFree Home Loan (internal refi)**  as low as 4.125%
 *APR=Annual Percentage Rate
 **
Rates are determined by an evaluation of the applicant’s credit and loan-to-value (LTV). Your actual rate may vary. Down payment may be required. Representative principle and interest payment example: A $100,000.00 home equity fixed loan at a rate of 5.75% APR for 10 years, your payment will be  $1097.69 per month. Property and flood insurance may be required, therefore the actual payment obligation would be greater. Adjustable rate mortgages are variable and your APR may increase after the original fixed rate period. Rates are subject to change.
Home Equity Lines of Credit  APR*
Home Equity Line (80% LTV) ** as low as 4.25% (Prime Rate + 0%; floor rate is 3.0%)
Home Equity Line (90% LTV)**            as low as 4.50% (Prime Rate + 0.25%; floor rate is 3.25%)
 *APR=Annual Percentage Rate

** Rates are determined by an evaluation of the applicant’s credit and loan-to-value (LTV). Your actual rate may vary. Down payment may be required. Property and flood insurance may be required. Maximum rate is 18% APR. Rates are subject to change.

Home Equity Fixed    APR*
Home Equity-Fixed(5 yr, 80% LTV)** as low as 4.375%
Home Equity-Fixed(5 yr, 90% LTV)** as low as 5.125%
Home Equity-Fixed(5 yr, 100% LTV)** as low as 5.625%
Home Equity-Fixed(10 yr, 80% LTV)** as low as 4.875%
Home Equity-Fixed(10 yr, 90% LTV)** as low as 5.625%
Home Equity-Fixed(10 yr, 100% LTV)** as low as 6.125%
Home Equity-Fixed(15 yr, 80% LTV)** as low as 5.375%
Home Equity-Fixed(15 yr, 90% LTV)** as low as 6.125%
Home Equity-Fixed(15 yr, 100% LTV)** as low as 6.625%
 *APR=Annual Percentage Rate
**
Rates are determined by an evaluation of the applicant’s credit and loan-to-value (LTV). Your actual rate may vary. Down payment may be required. Representative principle and interest payment example: A $100,000.00 home equity fixed loan at a rate of 5.75% APR for 10 years, your payment will be  $1097.69 per month. Property and flood insurance may be required, therefore the actual payment obligation would be greater. Adjustable rate mortgages are variable and your APR may increase after the original fixed rate period. Rates are subject to change.
Jumbo Home Equity    APR*
Jumbo Home Equity-Line ($150K and greater, 80% LTV)**  as low as 5.25%
Jumbo Home Equity-Fixed ($150K and greater, 10 yr, max. 80% LTV)** as low as 6.875%
Jumbo Home Equity-Fixed ($150K and greater, 15 yr, max. 80% LTV)** as low as 7.125%
 *APR=Annual Percentage Rate
**
Rates are determined by an evaluation of the applicant’s credit and loan-to-value (LTV). Your actual rate may vary. Down payment may be required. Representative principle and interest payment example: A $100,000.00 home equity fixed loan at a rate of 5.75% APR for 10 years, your payment will be  $1097.69 per month. Property and flood insurance may be required, therefore the actual payment obligation would be greater. Adjustable rate mortgages are variable and your APR may increase after the original fixed rate period. Rates are subject to change.
Home Improvement Loan    APR*
Home Improvement < $5K* as low as  5.0% 
 *APR=Annual Percentage Rate. Rates are determined by an evaluation of the applicant’s credit. Your actual rate may vary. Rates are subject to change.
Overdraft Protection/Loanmaker Line of Credit    APR*
Loanmaker Line* as low as  11.25%
*APR=Annual Percentage Rate. Rates are determined by an evaluation of the applicant’s credit. Your actual rate may vary. Rates are subject to change.
Signature/Personal Loan    APR*
Unsecured/Signature *            as low as  7.0%
 *APR=Annual Percentage. Rates are determined by an evaluation of the applicant’s credit. Your actual rate may vary. Rates are subject to change.
Education    APR*
Education or Computer            as low as  5.0%
 *APR=Annual Percentage Rate. Rates are determined by an evaluation of the applicant’s credit. Your actual rate may vary. Rates are subject to change.
Share Secured    APR*
Share Secured (Rate tied to Share Savings Rate)
as low as   3.20%
*APR=Annual Percentage Rate
Holiday Loan    
Holiday Loan*(Available in November & December only) as low as   6.5% 
*APR=Annual Percentage Rate. Rates are determined by an evaluation of the applicant’s credit. Your actual rate may vary. Rates are subject to change.