Loan Rates
Loan rates effective January 1, 2021. Subject to change without notice. Rates are stated as Annual Percentage Rates.
New Vehicle
| APR Range | Terms | Percentage Financed |
|---|---|---|
| 1.90% to 7.90% | Up to 60 months | Up 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 months | Up to 120% of MSRP* |
Used Vehicle
| APR Range | Terms | Percentage Financed |
|---|---|---|
| 1.90% to 7.90% | Up to 60 months | Up 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 months | Up 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 Range | Terms | Percentage Financed |
|---|---|---|
| 4.90% to 10.90% | Up to 60 months Models – 10 years & older | Up to 120% OF NADA Average Retail Value* |
Auto Cash**
| APR Range | Terms | Percentage Financed |
|---|---|---|
| 9.00% to 15.00% | Up to 60 months | $3,000 to $20,000* |
Antique, Vintage, Classic Vehicles & Kit Cars
| APR Range | Terms | Percentage Financed |
|---|---|---|
| 3.25% to 9.25% | Up to 60 months | Up 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 months | Up 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 Range | Terms |
|---|---|
| 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 Range | Terms |
|---|---|
| 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 Range | Terms | Percentage Financed |
|---|---|---|
| 9.00% to 15.00% | Up to 60 months | $3,000 to 20,000* |
More Loans
Personal
| APR Range | Terms | Percentage Financed |
|---|---|---|
| 10.90% to 16.90% | Up to 48 months | Up to $20,000 to qualified applicants* |
Preferred 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* |
Share Secured (variable rate)
| APR Range | Terms | Percentage Financed |
|---|---|---|
| 3.00% above Share Savings | 144 months | Full amount in Share Saving |
Vacation Loan
| APR Range | Terms | Percentage Financed |
|---|---|---|
| 7.90% to 13.90% | Up to 12 months | 100% to qualified applicants* |
Education / Computer
| APR Range | Terms | Percentage Financed |
|---|---|---|
| 6.90% to 12.90% | Up to 18 months | 100% to qualified applicants* |
Boats and RVs
| APR Range | Terms | Percentage 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, 2020 – Jan 31, 2021)
| APR Range | Terms | Percentage Financed |
|---|---|---|
| 7.90% to 13.90% | Up to 12 months | 100% to qualified applicants* |
*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.
