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Christmas Eve:Close at 12noon
Christmas Day:CLOSED
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Since 1906, we've been dedicated to Maryland, offering a suite of products specifically designed to support the continued growth and well-being of our neighbors in Maryland. Whatever your banking needs, we take the stress out of managing your finances with no 800 numbers and convenient one-on-one individualized service every step of the way. Help your community thrive, start a relationship with us today.

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Need help? Drop us an email or call 410.768.7800

Home Equity Rates

Effective Date: Sunday, September 15, 2024

Home Equity Rates (Rate Table)
Combined Loan to Value Ratio
Loan Term
Interest Rate
Points
Annual Percentage Rate
Payment per $1,000 borrowed

Actions

90% CLTV Minimum Credit Score 72020 Years
(Minimum Loan $25,000)
8.625%0.00%8.707%$8.76

Apply Online

90% CLTV Minimum Credit Score 72015 Years
(Minimum Loan $20,000)
8.500%0.00%8.599%$9.85

Apply Online

90% CLTV Minimum Credit Score 72010 Years
(Minimum Loan $15,000)
8.250%0.00%8.384%$12.27

Apply Online

90% CLTV Minimum Credit Score 7207 Years
(Minimum Loan $10,000)
8.125%0.00%8.305%$15.65

Apply Online

90% CLTV Minimum Credit Score 7205 Years
(Minimum Loan $10,000)
8.000%0.00%8.242%$20.28

Apply Online

85% CLTV
Minimum
Credit Score
680
20 Years
(Minimum Loan $25,000)
8.000%0.00%8.077%$8.36

Apply Online

85% CLTV
Minimum
Credit Score
680
15 Years
(Minimum Loan $20,000)
7.875%0.00%7.968%$9.48

Apply Online

85% CLTV
Minimum
Credit Score
680
10 Years
(Minimum Loan $15,000)
7.625%0.00%7.751%$11.94

Apply Online

85% CLTV
Minimum
Credit Score
680
7 Years
(Minimum Loan $10,000)
7.500%0.00%7.671%$15.34

Apply Online

85% CLTV
Minimum
Credit Score
680
5 Years
(Minimum Loan $10,000)
7.375%0.00%7.604%$19.98

Apply Online

80% CLTV
Minimum
Credit Score
660
20 Years
(Minimum Loan $25,000)
7.500%0.00%7.572%$8.06

Apply Online

80% CLTV
Minimum
Credit Score
660
15 Years
(Minimum Loan $20,000)
7.375%0.00%7.463%$9.20

Apply Online

80% CLTV
Minimum
Credit Score
660
10 Years
(Minimum Loan $15,000)
7.125%0.00%7.245%$11.68

Apply Online

80% CLTV
Minimum
Credit Score
660
7 Years
(Minimum Loan $10,000)
7.000%0.00%7.163%$15.09

Apply Online

80% CLTV
Minimum
Credit Score
660
5 Years
(Minimum Loan $10,000)
6.875%0.00%7.094%$19.74

Apply Online

Fixed Rate and Term. Single Advance. Maximum loan amount at these terms is $1,000,000. Annual Percentage Rate based on loan amount of $100,000 and fees of $548.50. Payments per $1,000 borrowed do not include taxes or insurance premiums which may increase the monthly payment. Borrower pays all closing costs. Property insurance is required on your home.

Combined Loan to Value Ratio is the total of your outstanding 1st mortgage balance plus the proposed equity loan, divided by the value of your home. Call for rates for loan amounts above $1,000,000.

Checking Accounts

Effective Date: Sunday, September 15, 2024

Checking Accounts (Rate Table)
Account Type
Annual Percentage Yield (APY)
Minimum Balance To
Earn APY/Open

Actions

FreeBee--No Service Charge Personal DDANoneN/AOpen an Account
Senior Rewards 55+ ^*0.03$250.00/$50.00

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NOW^°0.03$250.00Open an Account
NOW^°0.03$1,000.00Open an Account
Money Market Checking^°
(Tier 1)

0.05

$1,000.00

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Money Market Checking^°
(Tier 2)

0.10

$20,000.00

Contact Us

Money Market Checking^°
(Tier 3)
0.25$50,000.00

Contact Us

Money Market Checking^°
(Tier 4)
0.40$250,000.00

Contact Us

Money Market Checking^°
(Tier 5)
0.75$500,000.00

Contact Us

^ 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.

Savings and Money Market Accounts

Effective Date: Sunday, September 15, 2024

Savings and Money Market Accounts (Rate Table)
Account Type
Annual Percentage Yield (APY)
Minimum Balance To
Earn APY/Open

Actions

Statement Savings^0.04$50.00Open an Account
Goal Maker Savings^*~
(Tier 1)
0.04$0.01/$5.00Open an Account
Goal Maker Savings^*~
(Tier 2)
0.04$2,500.01Open an Account
Senior Rewards 55+ ^*0.04$250.00/$50.00

Contact Us

Christmas Club^0.60$10.00

Contact Us

Vacation Club Account^

0.50

$10.00

Contact Us

Money Market Savings^°
(Tier 1)
0.10$1,000.00Open an Account
Money Market Savings^°
(Tier 2)
0.20$20,000.00Open an Account
Money Market Savings^°
(Tier 3)
0.40$50,000.00Open an Account
Money Market Savings^°
(Tier 4)
0.50$250,000.00Open an Account
Money Market Savings^°
(Tier 5)
0.80$500,000.00Open an Account

^ 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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