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Loan Rates

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Loan rates effective September 1, 2018. 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
Online Mortgage Center
.

APR Range Terms Percentage Financed
New Vehicle***
2.95% to 8.95%
Up to 60 months Up to 120% of MSRP*
3.45% to 9.45%
72 months Up to 120% of MSRP*
3.95% to 9.95%
84 months Up to 120% of MSRP*
Used Vehicle***
2.95% to 8.95%
Up to 60 months Up to 120% of NADA Retail Value*
3.45% to 9.45%
72 months Up to 120% of NADA Retail Value*
3.95% to 9.95%
84 months Up to 120% of NADA Retail Value*
4.25% to 10.25%
60 months
Models – 10 years & older
Up to 120% of NADA Retail Value*
Antique, Vintage, Classic Vehicles & Kit Cars***
2.95% to 8.95%
60 months Up to 80% of NADA Retail Value*
3.45% to 9.45%
72 months Up to 80% of NADA Retail Value*
3.95% to 9.95%
84 months Up to 80% of NADA Retail Value*
Auto Cash***
9.00% to 15.00% Up to 60 months $3,000 to $20,000*
Holiday Loan    Available Oct 1 – Jan 31
Vacation Loan
7.90% to 13.90% Up to 12 months 100% to qualified applicants*
Education / Computer
6.90% to 12.90% Up to 18 months 100% to qualified applicants*
Personal
10.90% to 16.90%
Up to 84 months Up to $20,000 to qualified applicants*
Preferred Credit
10.90% to 16.90%
Up to 48 months Up to $15,000 to qualified applicants*
Signature Money (Line of Credit)
12.00% to 18.00%
6-month term
12-month term
Up to $1,000* Up to $2,000*
Share Secured (variable rate)
3.00% above Share Savings 144 months Full amount in Share Saving
Boats and RVs
8.50% to 14.50%
60 months up to $24,999
144 months $25,000 & up
120% MSRP to qualified applicants*
Home Equity Loan - Fixed Rates - No Closing Costs**
4.50% to 10.50% Up to 60 months Approved loan amounts to qualified borrowers based on 85% of appraised value of Primary Residence or 80% of appraised value of Secondary Residence / Vacation Home less the first mortgage balance.
5.00% to 11.00% Up to 120 months
5.50% to 11.50% Up to 180 months
Residential Investment Property Home Equity Fixed Rate – No Closing Costs**
5.75% to 11.75% Up to 180 months Approved loan amounts to qualified borrowers (based on 70% of appraised value less 1st mortgage balance).
Home Equity Line of Credit - No Closing Costs**
Limited Time Offer
12-month Introductory Rate of 2.0% APR*on Home Equity Loans.
Ask for details!
Approved loan amounts to qualified borrowers based on 85% of appraised value of Primary Residence less the first mortgage balance.
  • This is a variable rate plan (based on M & T Bank's Prime Rate minus 1%) with a floor rate of 4.0% APR.*
  • Terms up to 180 months.
  • 10-year draw period.
Home Cash
9.00% to 15.00% Up to 60 months $3,000 to 20,000*
 
*Subject to credit approval. Check for qualifying details. APR=Annual Percentage Rate. Loan policies and Rates are subject to change by the Board of Directors 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.

***Refinancing of any existing Credit Union Auto Loan will incur a processing fee of $250.

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