Rates

Share Rates

Effective as of July 1, 2019

Share Savings            Min. Balance to Obtain APY APY* Dividend 
Share Savings $25  0.30%      0.30%
Share Savings $5,000      0.35%        0.35%
Share Savings $10,000 0.40% 0.40%
Share Savings $25,000 0.45% 0.45%
 *APY=Annual Percentage Yield. Rates are subject to change. Fees could reduce earnings


Grad Student Summer Savings          Min. Balance to Obtain APY APY* Dividend 
Grad Student Summer Savings $25  0.30%      0.30%
Grad Student Summer Savings $5,000      0.35%        0.35%
Grad Student Summer Savings $10,000 0.40% 0.40%
Grad Student Summer Savings $25,000 0.45% 0.45%
 *APY=Annual Percentage Yield. Rates are subject to change. Fees could reduce earnings


Custom Share Savings Min. Balance to Obtain APY APY* Dividend
Custom Share Savings $0 0.30% 0.30%
Custom Share Savings $5,000 0.35% 0.35%
Custom Share Savings $10,000 0.40% 0.40%
Custom Share Savings $25,000 0.45% 0.45%
  *APY=Annual Percentage Yield. Rates are subject to change. Fees could reduce earnings

Holiday Club Min. Balance to Obtain APY APY* Dividend
Holiday Club $0 0.30% 0.30%
  *APY=Annual Percentage Yield. Rates are subject to change. Fees could reduce earnings. Early withdrawal penalty may be imposed.

Education Savings Min. Balance to Obtain APY APY* Dividend
Education Sav. - 3 yr. $100 0.45% 0.45%
Education Sav. - 5 yr $100 0.50% 0.50%
  *APY=Annual Percentage Yield. Rates are subject to change. Fees could reduce earnings. Early withdrawal penalty may be imposed.


Money Market  Min. Balance to Obtain APY  APY*  Dividend
Money Market** $2,500 0.40% 0.40%
  $10,000  0.50% 0.50%
  $25,000  0.55% 0.55%
  $50,000  0.60% 0.60%
  $100,000  0.65% 0.65%
Money Market** $250,000 0.70% 0.70%
 *APY=Annual Percentage Yield. Rates are subject to change. Fees could reduce earnings.
**Money Market Balances that fall below $2,500 will earn an interest rate equal to the current Share Draft Checking rate.



Effective as of September 1, 2019

Share Draft Checking  Min. Balance to Obtain APY  APY*  Dividend
Share Draft Checking          $0  0.20% 0.20%
  *APY=Annual Percentage Yield. Rates are subject to change. Fees could reduce earnings.


Student Checking  Min. Balance to Obtain APY  APY*  Dividend
Student Checking          $0  0.20% 0.20%
  *APY=Annual Percentage Yield. Rates are subject to change. Fees could reduce earnings.


Share Certificates Min. Balance to Obtain APY APY* Dividend
Share Certificate - 182 to 364 Days $500 0.90% 0.90%
Share Certificate - 12 to 23 Months $500 1.71% 1.70%
Share Certificate - 24 to 35 Months $500 1.81% 1.80%
Share Certificate - 36 to 59 Months $500 2.01% 2.00%
Share Certificate - 60 Months $500 2.32% 2.30%
  *APY=Annual Percentage Yield. Rates are subject to change. Fees could reduce earnings. Early withdrawal penalty may be imposed.

Jumbo Certificates Min. Balance to Obtain APY APY* Dividend
Jumbo Share Certificate - 182 to 364 Days $50,000 1.10% 1.10%
Jumbo Share Certificate - 12 to 35 Months $50,000 2.01% 2.00%
Jumbo Share Certificate - 36 to 60 Months $50,000 2.32% 2.30%
  *APY=Annual Percentage Yield. Rates are subject to change. Fees could reduce earnings. Early withdrawal penalty may be imposed.

IRA: Share Savings Min. Balance to Obtain APY APY* Dividend
IRA - Open Share Savings $500 0.40% 0.40%
IRA - Open Share Savings $50,000 0.45% 0.45%
  *APY=Annual Percentage Yield. Rates are subject to change. Fees could reduce earnings. Early withdrawal penalty may be imposed.

IRA Certificate Min. Balance to Obtain APY APY* Dividend
IRA Certificate - 12 Months $500 1.71% 1.70%
IRA Certificate - 24 Months $500 1.82% 1.80%
IRA Certificate - 48 Months $500 2.12% 2.10%
  *APY=Annual Percentage Yield. Rates are subject to change. Fees could reduce earnings. Early withdrawal penalty may be imposed.

IRA Rollover Certificate Min. Balance to Obtain APY APY* Dividend
IRA Rollover Certificate - 18 Months** $5,000 1.82% 1.80%
 *APY=Annual Percentage Yield. Rates are subject to change. Fees could reduce earnings. Early withdrawal penalty may be imposed.
**
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 September 16, 2019

New Cars    APR*
New Cars (72 months or less)**  as low as   3.19%
New Cars (84 months)**  as low as  3.69%
*APR=Annual Percentage Rate
**Rate subject to change. Rates are determined by an evaluation of the applicant’s credit. Your actual rate may vary. Representative payment example: A $20,000.00 auto loan at a fixed rate of 3.29% APR for 60 month would require 60 monthly payments of $361.95.
Minimum amount to finance is $35K.
Used Cars    APR*
Used Cars (72 months or less)** as low as 3.19%
Used Cars (84 months)** as low as 3.69%
*APR=Annual Percentage Rate
**Rate subject to change. Rates are determined by an evaluation of the applicant’s credit. Your actual rate may vary. Representative payment example: A $20,000.00 auto loan at a fixed rate of 3.29% APR for 60 month would require 60 monthly payments of $361.95
Minimum amount to finance is $35k.
New Other Vehicles   APR* 
New Other Vehicles (60 months or less)**
as low as   4.19%
New Other Vehicles (72 months)** as low as   4.44%
New Other Vehicles (84 months)** as low as   5.19%
*APR=Annual Percentage Rate
**Rate subject to change. Rates are determined by an evaluation of the applicant’s credit. Your actual rate may vary. Representative payment example: A $20,000.00 auto loan at a fixed rate of 4.29% APR for 60 month would require 60 monthly payments of $370.94
Minimum amount to finance is $35K
Used Other Vehicles    APR*
Used Other Vehicles (60 months or less)**
as low as  4.19%
Used Other Vehicles (72 months)**
as low as  4.44%
Used Other Vehicles (84 months)** as low as  5.19%
8-10 Year Old Vehicle (72 months or less; max 125K miles)** as low as  5.19%
8-10 Year Old Vehicle (84 months; max 125K miles)** as low as  5.69%
*APR=Annual Percentage Rate
**Rate subject to change. Rates are determined by an evaluation of the applicant’s credit. Your actual rate may vary. Representative payment example: A $20,000.00 auto loan at a fixed rate of $4.29% APR for 60 month would require 60 monthly payments of $370.94
Minimum amount to finance Is $35K.
Visa Credit Cards    APR*
Visa Platinum Credit Card      as low as  7.90%
Visa Platinum  Rewards Credit Card as low as 9.40%
Secured Visa Credit Card  as low as  11.90%
Started Visa Credit Card 18.00% 
 *APR=Annual Percentage Rate
First Mortgages  Term  Rate  APR*
Fixed First Mortgage  30 Year 3.750% 3.847%
Fixed First Mortgage  20 Year 3.500% 3.634%
Fixed First Mortgage          15 Year 3.125% 3.295%
Fixed First Mortgage  10 Year 3.000% 3.248%

*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. 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..






Specialty Mortgages  Rate  APR*
10/1 A.R.M**           3.375% 3.956%
7/1 A.R.M.** 3.125% 3.941%
5/1 A.R.M.** 3.000% 4.053%
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. 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.
**Calculated using the following parameters: Index: One Year LIBOR, Margin: 2.50%, Rate Floor: 2.50%, Initial Rate Adjustment Cap: 5.00% for 10/1 and 7/1 ARMs, 2% for 5/1 ARM, Annual Rate Increase: 2.00%, Lifetime Rate Cap: 5.00%





HomeFree Home Loan    APR*
HomeFree Home Loan (external refi)**
 as low as 3.25%
HomeFree Home Loan (internal refi)**  as low as 3.50%
 *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 5.25% (Prime Rate + 0.00%; floor rate is 3.00%)
Home Equity Line (90% LTV)**            as low as 5.50% (Prime Rate + 0.25%; floor rate is 3.25%)
Jumbo Home Equity Line ($150K or greater, max 80% LTV)** as low as 6.25% (Prime Rate + 1.00%; floor rate is 4.00%) 
 *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 3.75%
Home Equity-Fixed(5 yr, 90% LTV)** as low as 4.50%
Home Equity-Fixed(5 yr, 100% LTV)** as low as 5.00%
Home Equity-Fixed(10 yr, 80% LTV)** as low as 4.25%
Home Equity-Fixed(10 yr, 90% LTV)** as low as 5.00%
Home Equity-Fixed(10 yr, 100% LTV)** as low as 5.50%
Home Equity-Fixed(15 yr, 80% LTV)** as low as 4.75%
Home Equity-Fixed(15 yr, 90% LTV)** as low as 5.50%
Home Equity-Fixed(15 yr, 100% LTV)** as low as 6.00%
 *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 - Fixed    APR*
Jumbo Home Equity-Fixed ($150K and greater, 10 yr, max. 80% LTV)** as low as 6.25%
Jumbo Home Equity-Fixed ($150K and greater, 15 yr, max. 80% LTV)** as low as 6.75%
 *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 $200,000.00 home equity fixed loan at a rate of 7.375% APR for 120 months, your payment will be  $2,361.04 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. Maximum rate is 18% APR.
Anything Loan    APR*
Anything Loan (personal loan) *            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          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)
   3.30%
*APR=Annual Percentage Rate
Holiday Loan    APR*
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.