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Rates

Rates are effective as of 10/24/2013 and are subject to change without notice.
A penalty for early withdrawals may be imposed on certificate of deposit accounts.
All Interest Bearing Accounts are compounded daily and credited monthly.
Savings, Money Market and Checking Accounts are variable rate accounts.

*APY = Annual Percentage Yield
Fees may reduce earning on some accounts

New Accounts available for Maryland residents only with proper identification. All applicants must physically come into one of our locations to open an account.

Certificate of Deposit Rates
Term Minimum Deposit to Open Minimum Balance to Obtain APY* Interest Rate APY*
91 Day Fixed Rate $1000 $1000 0.20% 0.20%
6 Month Fixed Rate $1000 $1000 0.35% 0.35%
12 Month Fixed Rate $500 $500 0.50% 0.50%
15 Month Fixed Rate $5000 $5000 0.55% 0.55%
18 Month Fixed Rate $500 $500 0.65% 0.65%
19 Month Step Up** $2500 $2500 0.65% 0.65%
24 Month Fixed Rate $500 $500 0.70% 0.70%
25 Month Step Up** $2500 $2500 0.75% 0.75%
36 Month Fixed Rate $500 $500 0.80% 0.81%
37 Month Step Up** $2500 $2500 0.85% 0.86%
48 Month Fixed Rate $500 $500 1.10% 1.11%
60 Month Fixed Rate $500 $500 1.25% 1.26%
84 Month Fixed Rate $500 $500 1.35% 1.36%
** A ONE-TIME OPTION TO CHANGE TO A HIGHER RATE DURING THE TERM 

 

Savings Rates
Account Type Minimum Deposit To Open Minimum Bal To Obtain APY* Interest Rate APY*
Passbook Savings $100 $50 0.20% 0.20%
Statement Savings $100 $50 0.30% 0.30%
Super Savings (stmt) $1000 $1000 0.50% 0.50%
Minor Savings $10 $10 0.25% 0.25%
Fees may be assessed if the balance falls below minimum required to open amount. Primary Account Holder on Minor Savings must be under the age of 21 

 

Money Market Tiered Rates
Account Type Minimum Deposit To Open Minimum Bal To Obtain APY* Interest Rate APY*
Money Market Passbook (1st tier) $2500 $2500 0.45% 0.45%
Money Market Passbook (2nd tier)   $25000 0.50% 0.50%
Money Market Checking(1st tier) $2500 $2500 0.45% 0.45%
Money Market Checking   $25000 0.50% 0.50%
Money Market Checking is limit to 6 Third Party Transfers per monthly cycle. Fees may be assessed if the balance falls below minimum required to open amount. 

 

Checking Account Products
Account Type Minimum Deposit To Open Minimum Bal To Obtain APY* Interest Rate APY*
NOW Checking $300 $300 0.15% 0.15%
Economy Checking $100 $100 n/a n/a
Bonus 50 Checking $50 $.01 0.15% 0.15%
Elite Checking (tiered rate) $25000 $2500 0.30% 0.30%
Fees may be assessed if the balance falls below minimum required to obtain APY*. To be eligible for Bonus 50 Checking, account holders must be age 50 or older. If the balance on the Elite Checking falls below $25000, the account will earn an interest rate of 0.10% with an APY* of 0.10%. 

 

Retirement Rates
Account Type /Term Minimum Deposit To Open Minimum Bal To Obtain APY* Interest Rate APY*
Statement Savings $50 $50 0.40% 0.40%
12 Month Fixed Rate $100 $100 0.55% 0.55%
18 Month Fixed Rate $100 $100 0.70% 0.70%
24 Month Fixed Rate $500 $500 0.75% 0.75%
36 Month Fixed Rate $500 $500 0.85% 0.86%
48 Month Fixed Rate $500 $500 1.15% 1.16%
60 Month Fixed Rate $500 $500 1.30% 1.31%
72 Month Fixed Rate $500 $500 1.40% 1.41%
84 Month Fixed Rate $500 $500 1.60% 1.61%
Additions of at least $10.00 permitted on 18 Month CD at any time during the term. 
Traditional IRA & Roth IRA available.

 
Residential Lending Rates
 
Thomas E. O'Neill III NMLS # 790826 at (410) 752-3070 or (800)-700-3876
 

Effective Date 11/04/2013

Purchase Money or Refinance of Primary Residence* Conforming Loan Amounts
Loan Program Interest Rate Points APR Mo.PMT/$1000
10 Yr Fixed 3.125 0 3.248 9.77
15 Yr Fixed 3.250 0 3.335 7.08
20 Yr Fixed 3.75 0 3.820 5.92
25 Yr Fixed 4.125 0 4.185 5.34
30 Yr Fixed 4.125 0 4.177 4.84
1/1 ARM N/A N/A N/A  
3/1 ARM N/A N/A N/A  
5/1 ARM N/A N/A N/A  
7/1 ARM N/A N/A N/A  
8/23 Ballon N/A N/A N/A  
30 Yr Fixed Jumbo Call for details      
* Call For Vacation Property, Investment Property, or Jumbo Loan Amount Rate Quotes

 

Fixed Interest Rate Second Liens
Loan Program Interest Rate Points APR Mo.PMT/$1000
Call For Details        

 

Home Equity Line of Credit
Loan Program Interest Rate Points APR Mo.PMT/$1000
Call For Details        

 

Construction/Permanent Financing & Lot Loans-
Call for Loan Program Parameters and Rate Quotes
- Rates subject to change daily
- Rates locked in for sixty (60) days from receipt of application
- Conforming loan amounts in accordance to FNMA/FHLMC guidelines
- If applicable, Fees for appraisal, credit report, and flood certification required at the time of application. Fees may vary.
- Loan to value (LTV) based on the lessor of purchase price or appraised value.
- Loan amount exceeding 80.00% of value require Private Mortgage Insurance
- Fixed Interest Rate Second Liens and Home Equity Lines of Credit can not exceed a combined loan to value (CLTV) of 80.00%
- Wall Street Journal Prime Rate (WSJPR)
- First Liens require escrow accounts