Loan Rates

Loan rates effective September 1, 2020. Subject to change without notice. Rates are stated as Annual Percentage Rates.

Auto Loans

Get started with a no-obligation call from a Loan Counselor.

New Vehicle

APR RangeTermsPercentage Financed
1.90% to 7.90% Up to 60 monthsUp to 120% of MSRP*
2.40% to 8.40% Up to 72 months Up to 120% of MSRP*
2.90% to 8.90% Up to 84 monthsUp to 120% of MSRP*

Used Vehicle

APR RangeTermsPercentage Financed
1.90% to 7.90% Up to 60 monthsUp to 120% OF NADA Average Retail Value*
2.40% to 8.40% Up to 72 months Up to 120% OF NADA Average Retail Value*
2.90% to 8.90% Up to 84 monthsUp to 120% OF NADA Average Retail Value*

The New and Used Vehicle Auto Loan Rates listed above for each repayment tier includes a discount of .50% (for 60, 72 and 84 months) available ONLY with Automated Payments.

Aged Vehicle

APR RangeTermsPercentage Financed
4.90% to 10.90%Up to 60 months Models – 10 years & olderUp to 120% OF NADA Average Retail Value*

Auto Cash**

APR RangeTermsPercentage Financed
9.00% to 15.00%Up to 60 months$3,000 to $20,000*

Antique, Vintage, Classic Vehicles & Kit Cars

APR RangeTermsPercentage Financed
3.25% to 9.25%Up to 60 monthsUp to 80% of NADA Retail Value*
3.75% to 9.75%Up to 72 months Up to 80% of NADA Retail Value*
4.25% to 10.25%Up to 84 monthsUp to 80% of NADA Retail Value*

Home Loans

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.

Home Equity Loan - Fixed Rates - No Closing Costs**

APR RangeTerms
4.25% to 10.25%Up to 60 months
4.50% to 10.50%Up to 120 months
4.75% to 10.75%Up to 180 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.

Residential Investment Property Home Equity Fixed Rate –
No Closing Costs**

APR RangeTerms
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

APR RangeTermsPercentage Financed
9.00% to 15.00%Up to 60 months$3,000 to 20,000*

More Loans

Personal

APR RangeTermsPercentage Financed
10.90% to 16.90%Up to 48 monthsUp to $20,000 to qualified applicants*

Preferred Credit

APR RangeTermsPercentage Financed
10.90% to 16.90%Up to 84 monthsUp to $15,000 to qualified applicants*

Signature Money (Line of Credit)

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

Share Secured (variable rate)

APR RangeTermsPercentage Financed
3.00% above Share Savings144 monthsFull amount in Share Saving

Vacation Loan

APR RangeTermsPercentage Financed
7.90% to 13.90%Up to 12 months100% to qualified applicants*

Education / Computer

APR RangeTermsPercentage Financed
6.90% to 12.90%Up to 18 months100% to qualified applicants*

Boats and RVs

APR RangeTermsPercentage Financed
8.50% to 14.50%60 months up to $24,999
144 months $25,000 & up
120% MSRP to qualified applicants*

Holiday Loan

Available Oct 1 – Jan 31

*Subject to credit approval. Check for qualifying details. APR=Annual Percentage Rate. New and Used Vehicle Rates listed above include a rate discount of 0.50% available ONLY with Automated Payments. Refinancing of any existing Credit Union Auto Loan will incur a processing fee of $250.00.

**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.