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240-228-5250
or 443-778-5250

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LOANS
Rates effective 09/08/2008 and are subject to change without notice.
All rates on loans are expressed in terms of Annual Percentage Rate (APR)
 
New and Used Vehicles (model years 2003 and newer)
up to 3 years: 05.15%
up to 7 years: 05.50%
Terms in excess of 6 years are for new vehicles only
 
Real Estate    
Home Equity
Line of Credit:
05.00% Variable
0(Prime + 0%)
     
Mini Home
Equity Loan:
up to 3 years:
 05.45% Fixed  
up to 6 years:
 05.95% Fixed  
up to 9 years:
 06.15% Fixed  
up to 12 years:
 06.70% Fixed  
     
Unimproved
Land:		 10.00% Variable
06.70% Fixed		  
     
Bridge Loans: 05.25% Variable  
 
     
     
Credit Card
Classic Visa®: 09.00% Variable
     
Personal Loans
Line of Credit: 09.00% Variable
     
Closed End: 12.50% Variable
     
Savings Acct Secured:
04.50% Variable
03.05% Fixed
     
     
     
SAVINGS and INVESTMENTS
All savings and investment rates are expressed in terms of
Annual Percentage Yield (APY)
 
Savings Accounts
Regular Savings:

0.80%

  
Young Savers: 0.80%  
Holiday Savings Club: 0.80%  
Vacation Savings Club: 0.80%  
IRA Savings: 0.80%
     
Regular Savings requires a $50 minimum balance to open and earn dividends. All other savings accounts require a $5 minimum balance to open and $50 to earn dividends.
 
Money Market Accounts
Preferred Money Market: 2.10%  
IRA Money Market: 2.10%  
 
Money Market dividends are calculated daily, compounded and paid monthly on balances of $10,000 or more.
 
Money Market Rate History
Average Yield for 07/08: 2.10%  
Average Yield for 06/08: 2.10%  
Average Yield for 05/08: 2.12%  
Average Yield for 04/08: 2.18%  
Average Yield for 03/08: 2.48%  
Average Yield for 02/08: 2.69%  
 
Certificates of Deposit (CD)
06-Month Savings: 2.27%  
12-Month Savings or IRA: 2.78%  
18-Month Savings or IRA: 3.04%  
24-Month Savings or IRA: 3.30%  
36-Month Savings or IRA: 3.66%  
48-Month Savings or IRA: 4.07%  
60-Month Savings or IRA: 4.39%  
 

The 6-month certificate requires a minimum balance of $500 to open. All other certificates require a minimum balance of $1,000 to open.

All savings and investment rates are expressed in terms of Annual Percentage Yield (APY).