Statement Savings^

Our basic savings option is a great choice for everyday saving needs.

  • $50 minimum opening deposit
  • Variable interest rate
  • Interest is compounded daily & credited monthly
  • $5 monthly service charge if balance falls below $50
  • Monthly statement - printed or electronic
  • ATM card
  • Online Banking
  • Mobile Banking
  • Transaction limitations include a maximum of 6 transfers per month - see the account disclosure for a full list of permitted and limited transactions

Effective Date: Saturday, December 7, 2024

Savings and Money Market Accounts (Rate Table)
Annual Percentage Yield (APY)
Minimum Balance To
Earn APY/Open
0.04$50.00

^ Denotes variable rate account. The interest rate may change after the account is opened.
* Certain limitations apply
# Minimum balance to earn interest is the same as the required minimum opening balance unless noted in Special Features 
° Interest is paid on the full balance in the account based on the applicable tier.
~ Stated interest rate is paid only on the balance within the specified tier.

Accounts subject to fees & charges. Fees may reduce earnings. 
Early withdrawals on CDs may result in substantial penalties.
For other terms and account information please call 410-768-7800.
For 24/7 telephone access to accounts and products call Bankline 888-225-4417.

Goal Maker Savings^*~

They score! You win!

Get ready for some football with a Goal Maker Savings Account and watch your interest rate increase with each passing touchdown!

  • $5 minimum opening deposit
  • Available for Custodian/Minor, Individual and Joint ownerships
  • 1 account per customer Tax ID Number (TIN)
  • Variable interest rate paid on Tier 1 ($0.01 to $2,500.00) and Tier 2 ($2,500.01+) balances
  • Interest is compounded daily & credited monthly
  • $5 monthly service charge if balance falls below $5
  • Quarterly statement
  • Transaction limitations include a maximum of 6 transfers per month - see the account disclosure for a full list of permitted and limited transactions

Effective Date: Saturday, December 7, 2024

Savings and Money Market Accounts (Rate Table)
Annual Percentage Yield (APY)
Minimum Balance To
Earn APY/Open
6.01$0.01/$5.00
6.01-.19$2,500.01

^ Denotes variable rate account. The interest rate may change after the account is opened.
* Certain limitations apply
# Minimum balance to earn interest is the same as the required minimum opening balance unless noted in Special Features 
° Interest is paid on the full balance in the account based on the applicable tier.
~ Stated interest rate is paid only on the balance within the specified tier.

Accounts subject to fees & charges. Fees may reduce earnings. 
Early withdrawals on CDs may result in substantial penalties.
For other terms and account information please call 410-768-7800.
For 24/7 telephone access to accounts and products call Bankline 888-225-4417.

Senior Rewards Savings 55+^*

This account is designed to help savers ages 55+ prepare for future expenses or adventures.

  • $50 minimum opening deposit
  • Direct deposit into any AFSB account is required
  • Interest compounded daily & credited monthly on entire balance, once daily balance reaches $250 
  • No monthly minimum balance requirement & no monthly service charge
  • No fee for money orders
  • ATM card
  • Free safe deposit box rental (limitations apply)
  • Monthly statement - printed or electronic
  • 24/7 telephone banking
  • Online Banking
  • Mobile Banking
  • Transaction limitations include a maximum of 6 transfers per month - see the account disclosure for a full list of permitted and limited transactions

Effective Date: Saturday, December 7, 2024

Savings and Money Market Accounts (Rate Table)
Annual Percentage Yield (APY)
Minimum Balance To
Earn APY/Open
0.04$250.00/$50.00

^ Denotes variable rate account. The interest rate may change after the account is opened.
* Certain limitations apply
# Minimum balance to earn interest is the same as the required minimum opening balance unless noted in Special Features 
° Interest is paid on the full balance in the account based on the applicable tier.
~ Stated interest rate is paid only on the balance within the specified tier.

Accounts subject to fees & charges. Fees may reduce earnings. 
Early withdrawals on CDs may result in substantial penalties.
For other terms and account information please call 410-768-7800.
For 24/7 telephone access to accounts and products call Bankline 888-225-4417.

Vacation Club Account^

Start saving now for your next getaway with a Vacation Club Account.

*Open in branch only. 

  • $10 minimum opening deposit
  • Variable interest rate
  • Interest is compounded daily & credited quarterly
  • $5 quarterly service charge if balance falls below $10
  • Vacation Clubs have a 12-month term ending in May
  • One FREE withdrawal per club term
  • A check for the entire balance is mailed to you at the end of the club term
  • Quarterly statement
  • Online Banking
  • Mobile Banking
  • Account balance may not exceed $10,000
  • Limit 1 account per customer Tax ID Number (TIN)
  • Transaction limitations apply - see the account disclosure for a full list of permitted and limited transactions

Effective Date: Saturday, December 7, 2024

Savings and Money Market Accounts (Rate Table)
Annual Percentage Yield (APY)
Minimum Balance To
Earn APY/Open

0.50

$10.00

^ Denotes variable rate account. The interest rate may change after the account is opened.
* Certain limitations apply
# Minimum balance to earn interest is the same as the required minimum opening balance unless noted in Special Features 
° Interest is paid on the full balance in the account based on the applicable tier.
~ Stated interest rate is paid only on the balance within the specified tier.

Accounts subject to fees & charges. Fees may reduce earnings. 
Early withdrawals on CDs may result in substantial penalties.
For other terms and account information please call 410-768-7800.
For 24/7 telephone access to accounts and products call Bankline 888-225-4417.

Money Market Savings^°

By maintaining a higher account balance, you will be rewarded with a more competitive interest rate.

  • $1,000 minimum opening deposit
  • Variable interest rate compounded daily and credited monthly Interest tiers: $1,000.00 - $19,999.99; $20,000.00 - $49,999.99; $50,000.00 - $249,999.99; $250,000.00 - $500,000.00
  • $5 monthly service charge if balance falls below $1,000.00
  • 24/7 telephone banking
  • ATM Card
  • Online Banking
  • Mobile Banking
  • Transaction limitations include a maximum of 6 transfers per month - see the account disclosure for a full list of permitted and limited transactions

Effective Date: Saturday, December 7, 2024

Savings and Money Market Accounts (Rate Table)
Annual Percentage Yield (APY)
Minimum Balance To
Earn APY/Open
0.10$1,000.00
0.20$20,000.00
0.40$50,000.00
0.50$250,000.00
0.80$500,000.00

^ Denotes variable rate account. The interest rate may change after the account is opened.
* Certain limitations apply
# Minimum balance to earn interest is the same as the required minimum opening balance unless noted in Special Features 
° Interest is paid on the full balance in the account based on the applicable tier.
~ Stated interest rate is paid only on the balance within the specified tier.

Accounts subject to fees & charges. Fees may reduce earnings. 
Early withdrawals on CDs may result in substantial penalties.
For other terms and account information please call 410-768-7800.
For 24/7 telephone access to accounts and products call Bankline 888-225-4417.

Christmas Club^

Plan ahead. Set money aside for annual holiday spending with a Christmas Club.

*Open in branch only. 

  • $10 minimum opening deposit
  • Variable interest rate
  • Interest is compounded daily & credited quarterly
  • $5 quarterly service charge if balance falls below $10
  • Clubs have a 12-month term ending in October
  • A check for the entire balance is mailed to you at the end of the club term
  • Quarterly statement
  • Online Banking
  • Mobile Banking
  • Account balance may not exceed $10,000
  • Limit 1 account per customer Tax ID Number (TIN)
  • Transaction limitations apply - see the account disclosure for a full list of permitted and limited transactions

Effective Date: Saturday, December 7, 2024

Savings and Money Market Accounts (Rate Table)
Annual Percentage Yield (APY)
Minimum Balance To
Earn APY/Open
0.75$10.00

^ Denotes variable rate account. The interest rate may change after the account is opened.
* Certain limitations apply
# Minimum balance to earn interest is the same as the required minimum opening balance unless noted in Special Features 
° Interest is paid on the full balance in the account based on the applicable tier.
~ Stated interest rate is paid only on the balance within the specified tier.

Accounts subject to fees & charges. Fees may reduce earnings. 
Early withdrawals on CDs may result in substantial penalties.
For other terms and account information please call 410-768-7800.
For 24/7 telephone access to accounts and products call Bankline 888-225-4417.