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Current Rates: loans

Effective July 1, 2008. Subject to change without notice.
Rates are stated as Annual Percentage Rates.

Mortgages for the Purchase or
Refinance of Your Home

Your Credit Union offers mortgage financing alternatives for you to choose from. Whether you want to buy a new home or refinance your existing mortgage(s), we have programs to help you. Choose from fixed, adjustable, or buy down rates. Rates and points can change daily, subject to change without notice.

For specific rate information, call the Loan Department at 410-828-4730 or 1-800-234-4730 or visit our On-Line Mortgage Center click here.

APR Range Maximum Term Percentage Financed
New Auto
5.25 to 9.25** Up to 60 months 100% of MSRP*
Used Auto
5.25 to 9.25 Up to 60 months 100% of NADA Retail value*
Auto Cash
9.00 to 13.00 Up to 60 months $3,000 to $20,000*
Education / Computer
6.90 to 10.90 Up to 18 months 100% to qualified applicants*
Personal
13.80 to 17.80
Up to 60 months Up to $15,000 to qualified applicants*
Preferred Credit
12.00 to 16.00
Up to 48 months Up to $5,000 to qualified applicants*
Share Secured (variable rate)
3.00% above
Share Savings
144 months Full amount in Share Saving
Recreational Vehicles
8.50 to 12.50
60 months up to $24,999 100% MSRP to qualified applicants*
144 months
$25,000 & up
Vacation Loan (only one loan per 12-month period allowed)
7.90 to 11.90 Up to 12 months 100% to qualified applicants*
Home Equity Loan - Fixed Rate - No Closing Costs*
6.50 to 10.50

Up to 180 months*

Approved loan amounts to qualified borrowers based upon 85% of appraised value less first mortgage balance.
Home Equity Line of Credit - No Closing Costs*
• This is a variable rate plan based on M&T Bank's Prime Rate minus 1%.
• Terms up to 180 months.
• 10-year draw period.
 
*Check for qualifying details.
**72 months available on loans of $25,000 or more.
 
Would you like to apply on-line? Click here.
Would you like to use our calculator? Click here.

Would you like to apply for a Credit Union auto loan right at the dealership? Click here.

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