Loan Rates

Loan rates effective April 1, 2024.

Not sure which loan is right for you? Contact a Loan Counselor at
410-828-4730 or 800-234-4730.

Vehicle Loans

New Autos & Motorcycles

APR Range	Terms
5.50% to 11.50%*	Up to 60 months
6.00% to 12.00%*	Up to 72 months
6.50% to 12.50%*	Up to 84 months

Used Autos & Motorcycles

APR Range	Terms
5.50% to 11.50%*	Up to 60 months
6.00% to 12.00%*	Up to 72 months
6.50% to 12.50%*	Up to 84 months

Antique, Vintage, & Classic Vehicles

APR Range	Terms
5.50% to 11.50%*	Up to 60 months
6.00% to 12.00%*	Up to 72 months
6.50% to 12.50%*	Up to 84 months

Aged Vehicle - Models 10 years & older

APR Range	Terms
6.50% to 12.50%*	Up to 60 months

Boats and RVs

APR Range	Terms
8.50% to 14.50%*	60 months up to $24,999
8.50% to 14.50%*	144 months $25,000 & up

The percentage financed is up to 120% of MSRP (new) or J.D. Power Average Retail Value (used), 80% of J.D. Power Average Retail Value for antique, vintage, classic and kit cars.

Home Loans

Mortgages for the Purchase or Refinance of Your Home

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 rates and information tailored to you, contact a Mortgage Counselor at 410-828-4730, 800-234-4730 or [email protected] or visit our Online Mortgage Center.

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Home Equity Loan

Introductory rate special of 5.50% APR*
for the first five years.

Then as low as 5.75% APR* for a 10 year term or as low as 6.00% APR* for a 15 year term.

Fixed rate
Fixed term
No closing costs**

*Subject to credit approval. Check for qualifying details. APR = Annual Percentage Rate. Rates may vary based on loan term and credit worthiness.

Home Equity Line of Credit

Introductory rate special of 5.50% APR*
for the first year!

Approved loan amounts to qualified borrowers based on 85% of appraised value of Primary Residence less the first mortgage balance.

Variable rate after introductory rate period
Terms up to 180 months
10-year draw period
No closing costs**

Residential Investment Property Home Equity Loan

APR Range	Terms
6.25% to 12.25%*	Up to 180 months

Up to 70% of appraised value less first mortgage balance

More Loans

Personal

APR Range	Terms	Percentage Financed
7.90% to 13.90%*	Up to 60 months	Up to $25,000 to qualified applicants
8.90% to 14.90%*	61 to 84 months	Up to $25,000 to qualified applicants

Preferred Line of Credit

APR Range	Terms	Percentage Financed
10.90% to 16.90%*	Up to 84 months	Up to $15,000 to qualified applicants*

Signature Money Line of Credit

APR Range	Terms	Percentage Financed
12.00% to 18.00%*	6-month term 12-month term	Up to $1,000* Up to $2,000*

Vacation Loan

APR Range	Terms	Percentage Financed
7.90% to 13.90%*	Up to 12 months	100% to qualified applicants*

Share Secured (variable rate)

APR Range	Terms	Percentage Financed
3.00% above Share Savings*	144 months	Full amount in Share Saving

Education / Computer

APR Range	Terms	Percentage Financed
6.90% to 12.90%*	Up to 18 months	100% to qualified applicants*

Holiday Loan

APR Range	Terms	Percentage Financed
Available Oct. 1 to Jan. 31 only		100% to qualified applicants*

*Subject to credit approval. Check for qualifying details. APR= Annual Percentage Rate. New & used vehicle rates above include a discount of .50% (for 60, 72 and 84 months) with automated payments. Refinancing of any existing Credit Union auto loan will incur a $250 processing fee. Loan policies and rates are subject to change without notice.

**If loan is paid off within 24 months of the original note date, closing costs must be reimbursed to Credit Union by the borrower. Note: Properties which are security for any type of Home Equity Loan are limited to the States of Maryland, Pennsylvania and Delaware.

Loan rates may vary based on loan term and credit worthiness.