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Senior Rewards Savings 55+^*

This account is designed to help savers ages 55+ prepare for future expenses or adventures.

*Open in branch only.

  • $50 minimum opening deposit
  • Direct deposit into any AFSB account is required
  • Interest compounded daily & credited monthly on entire balance, once daily balance reaches $250 
  • No monthly minimum balance requirement & no monthly service charge
  • No fee for money orders
  • ATM card
  • Free safe deposit box rental (limitations apply)
  • Monthly statement - printed or electronic
  • 24/7 telephone banking
  • Online Banking
  • Mobile Banking
  • Transaction limitations include a maximum of 6 transfers per month - see the account disclosure for a full list of permitted and limited transactions

Effective Date: Thursday, December 26, 2024

Savings and Money Market Accounts (Rate Table)
Annual Percentage Yield (APY)
Minimum Balance To
Earn APY/Open
0.04$250.00/$50.00

^ Denotes variable rate account. The interest rate may change after the account is opened.
* Certain limitations apply
# Minimum balance to earn interest is the same as the required minimum opening balance unless noted in Special Features 
° Interest is paid on the full balance in the account based on the applicable tier.
~ Stated interest rate is paid only on the balance within the specified tier.

Accounts subject to fees & charges. Fees may reduce earnings. 
Early withdrawals on CDs may result in substantial penalties.
For other terms and account information please call 410-768-7800.
For 24/7 telephone access to accounts and products call Bankline 888-225-4417.

Senior Rewards Checking 55+^*

This exclusive Senior Reward Checking account option is available for customers age 55+ and includes a variety of money-saving benefits.

*Open in branch only.

  • $50 minimum opening deposit
  • Interest is compounded daily & credited monthly on entire balance, once daily balance reaches $250
  • Debit card with surcharge-free access to 5,000+ ATMs nationwide
  • Direct deposit to any AFSB account required
  • No monthly minimum balance requirement
  • No monthly service charge
  • Monthly statement - printed or electronic
  • No charge for check orders (limitations apply)
  • Free safe deposit box rental (limitations apply)
  • Free teller transactions
  • 24/7 Telephone Banking
  • Online Banking
  • Bill Pay
  • Mobile Banking
  • Avoid overdraft fees by signing up for "Worry Free" savings transfers or applying for an overdraft line of credit

Effective Date: Thursday, December 26, 2024

Checking Accounts (Rate Table)
Annual Percentage Yield (APY)
Minimum Balance To
Earn APY/Open
0.03$250.00/$50.00

^ Denotes variable rate account. The interest rate may change after the account is opened.
* Certain limitations apply
# Minimum balance to earn interest is the same as the required minimum opening balance unless noted in Special Features 
° Interest is paid on the full balance in the account based on the applicable tier.

Accounts subject to fees & charges. Fees may reduce earnings.
Early withdrawals on CDs may result in substantial penalties.
For other terms and account information please call 410-768-7800.
For 24/7 telephone access to accounts and products call Bankline 888-225-4417.

Safe Deposit Boxes (alt)

Need a safe place to store valuables? Safe deposit boxes are available at all locations.

  • 2x5
  • 3x10
  • 3x5
  • 5x10
  • 5x5
  • 10x10

Safe Deposit Boxes

Protect important business documents or valuables. Safe deposit boxes are available at all locations.

Sizes available:

  • 2x5
  • 3x10
  • 3x5
  • 5x10
  • 5x5
  • 10x10

Sizes vary by branch and availability. Please contact branch first.

Personal Loans

Cover a variety of costs with an unsecured personal loan.

  • Unsecured
  • Repayment terms up to 3 years
  • Borrow from $500 to $5,000

Effective Date: Thursday, December 26, 2024

Personal Loan (Rate Table)
Maximum Term
(Months)
APR
Monthly Payment
per $1,000 Borrowed

Actions

3612.00%$33.21

Visit A Branch

Minimum loan amount $500 - Maximum $5,000. Maximum loan term is 3 years. Loans of $3,500 or less are subject to shorter terms. Call 410-768-7800 for details. Monthly payment per $1000 borrowed at 12% for 36 months is $33.21.
APR = Annual Percentage Rate.

SUBJECT TO CREDIT APPROVAL

Overdraft Line of Credit

Protect your checking account from the hassle and fees associated with overdrafts.

  • Attached directly to your checking account
  • Save money since overdrafts paid under your overdraft line do not incur overdraft or NSF fees
  • Saves embarrassment since checks are not returned while there is an available amount remaining in your overdraft line
  • Pay interest only while your overdraft line is in use
  • Easily apply at any one of our branches

New and Used Boats

Flexible loan options are available to finance new or used boats.

  • Repayment terms up to 10 years
  • Maximum loan amount $40,000 - minimum loan amount $3,000
  • Minimum down payment of 35% (new boat) or 40% (used boat) is required based on the lesser of the book value or purchase price
  • Vessel must be less than 11 years old
  • Fixed interest rates
  • Marine survey required
  • Vessel must be registered and operated in the State of Maryland

Effective Date: Thursday, December 26, 2024

New And Used Boats (Rate Table)
Term (Months)
APR
Monthly Payment
per $1,000 Borrowed

Actions

607.750%$20.16

Visit A Branch

1208.250%$12.27

Visit A Branch

Maximum loan amount $40,000 - minimum $3,000. Minimum down payment of 35% (new boat) or 40% (used boat) is required based on the lesser of book value or purchase price. Vessel must be registered and operated within the State of Maryland. Security Interest Filing with DNR and full insurance coverage with Arundel Federal as the loss payee are required. APR = Annual Percentage Rate.

New Automobiles and Trucks

Obtain the financing you need to purchase a new car, truck or SUV.

  • Repayment terms up to 6 (six) years
  • $500 minimum down payment required
  • Maximum loan amount $50,000 - minimum loan amount $5,000
  • Fixed interest rates
  • Vehicle must be registered and operated in the State of Maryland
  • Rate discount available via automatic debit.

NOW Checking^°

Start earning interest on your account balance, and watch the rate increase as your balance rises with an Arundel Federal NOW Checking account.

  • $250 minimum opening deposit
  • Interest is compounded daily & credited monthly
  • Variable interest rate tied to balance
  • Interest tiers: $250 - $999, $1,000+
  • Daily account balance determines that day's interest tier
  • Debit card with surcharge-free access to 5,000+ ATMs nationwide
  • Unlimited check writing
  • Monthly service charge of $5 if balance falls below $250
  • Monthly statement - printed or electronic
  • Free teller transactions
  • 24/7 Telephone Banking
  • Online Banking
  • Bill Pay
  • Mobile Banking
  • Avoid overdraft fees by signing up for "Worry Free" savings transfers or applying for an overdraft line of credit

Effective Date: Thursday, December 26, 2024

Checking Accounts (Rate Table)
Annual Percentage Yield (APY)
Minimum Balance To
Earn APY/Open
0.03$250.00
0.03$1,000.00

^ Denotes variable rate account. The interest rate may change after the account is opened.
* Certain limitations apply
# Minimum balance to earn interest is the same as the required minimum opening balance unless noted in Special Features 
° Interest is paid on the full balance in the account based on the applicable tier.

Accounts subject to fees & charges. Fees may reduce earnings.
Early withdrawals on CDs may result in substantial penalties.
For other terms and account information please call 410-768-7800.
For 24/7 telephone access to accounts and products call Bankline 888-225-4417.

Money Market Savings^°

By maintaining a higher account balance, you will be rewarded with a more competitive interest rate.

  • $1,000 minimum opening deposit
  • Variable interest rate compounded daily and credited monthly Interest tiers: $1,000.00 - $19,999.99; $20,000.00 - $49,999.99; $50,000.00 - $249,999.99; $250,000.00 - $500,000.00
  • $5 monthly service charge if balance falls below $1,000.00
  • 24/7 telephone banking
  • ATM Card
  • Online Banking
  • Mobile Banking
  • Transaction limitations include a maximum of 6 transfers per month - see the account disclosure for a full list of permitted and limited transactions

Effective Date: Thursday, December 26, 2024

Savings and Money Market Accounts (Rate Table)
Annual Percentage Yield (APY)
Minimum Balance To
Earn APY/Open
0.10$1,000.00
0.20$20,000.00
0.40$50,000.00
0.50$250,000.00
0.80$500,000.00

^ Denotes variable rate account. The interest rate may change after the account is opened.
* Certain limitations apply
# Minimum balance to earn interest is the same as the required minimum opening balance unless noted in Special Features 
° Interest is paid on the full balance in the account based on the applicable tier.
~ Stated interest rate is paid only on the balance within the specified tier.

Accounts subject to fees & charges. Fees may reduce earnings. 
Early withdrawals on CDs may result in substantial penalties.
For other terms and account information please call 410-768-7800.
For 24/7 telephone access to accounts and products call Bankline 888-225-4417.

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