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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: Friday, May 9, 2025

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.

Senior Rewards Checking 55+^*

Take advantage of your age with an Arundel Federal Savings Bank Exclusive Senior Rewards Checking account available for customers age 55+ and take advantage of a variety of money-saving benefits.

Keep things simple and stress-free and enjoy no minimum balance requirements, no monthly service charges, easy-to-read monthly statements, and online banking options to keep you in control of your finances. Plus, your balance earns a competitive interest rate. 

Open online now, visit one of our five Maryland branches in Annapolis, Brooklyn, Glen Burnie, Pasadena or Severna Park or give us a call at 410-768-7800. 

Make your financial life simpler with an Arundel Federal Savings Bank Senior Rewards Checking Account and experience the peace of mind that comes from banking with a trusted community-minded institution dedicated to your success for over 100 years.  

  • $50 minimum opening deposit
  • Interest is compounded daily & credited monthly on entire balance, once daily balance reaches $250
  • Debit card with surcharge-free access to 5,000+ ATMs nationwide
  • Direct deposit to any AFSB account required
  • No monthly minimum balance requirement
  • No monthly service charge
  • Monthly statement - printed or electronic
  • No charge for check orders (limitations apply)
  • Free safe deposit box rental (limitations apply)
  • Free teller transactions
  • 24/7 Telephone Banking
  • Online Banking
  • Bill Pay
  • Mobile Banking
  • Avoid overdraft fees by signing up for "Worry Free" savings transfers or applying for an overdraft line of credit

Effective Date: Friday, May 9, 2025

Checking Accounts (Rate Table)
Annual Percentage Yield (APY)
Minimum Balance To
Earn APY/Open
0.03$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.

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.

Safe Deposit Boxes (alt)

Need a safe place to store valuables? Safe deposit boxes are available at all locations.

  • 2x5
  • 3x10
  • 3x5
  • 5x10
  • 5x5
  • 10x10

Safe Deposit Boxes

Protect important business documents or valuables. Safe deposit boxes are available at all locations.

Sizes available:

  • 2x5
  • 3x10
  • 3x5
  • 5x10
  • 5x5
  • 10x10

Sizes vary by branch and availability. Please contact branch first.

Personal Loans

Cover a variety of costs with an unsecured personal loan.

  • Unsecured
  • Repayment terms up to 3 years
  • Borrow from $500 to $5,000

Effective Date: Friday, May 9, 2025

Personal Loan (Rate Table)
Maximum Term
(Months)
APR
Monthly Payment
per $1,000 Borrowed

Actions

3612.00%$33.21

Visit A Branch

Minimum loan amount $500 - Maximum $5,000. Maximum loan term is 3 years. Loans of $3,500 or less are subject to shorter terms. Call 410-768-7800 for details. Monthly payment per $1000 borrowed at 12% for 36 months is $33.21.
APR = Annual Percentage Rate.

SUBJECT TO CREDIT APPROVAL

Overdraft Line of Credit

Protect your checking account from the hassle and fees associated with overdrafts.

  • Attached directly to your checking account
  • Save money since overdrafts paid under your overdraft line do not incur overdraft or NSF fees
  • Saves embarrassment since checks are not returned while there is an available amount remaining in your overdraft line
  • Pay interest only while your overdraft line is in use
  • Easily apply at any one of our branches

New and Used Boats

Flexible loan options are available to finance new or used boats.

  • Repayment terms up to 10 years
  • Maximum loan amount $40,000 - minimum loan amount $3,000
  • Minimum down payment of 35% (new boat) or 40% (used boat) is required based on the lesser of the book value or purchase price
  • Vessel must be less than 11 years old
  • Fixed interest rates
  • Marine survey required
  • Vessel must be registered and operated in the State of Maryland

Effective Date: Friday, May 9, 2025

New And Used Boats (Rate Table)
Term (Months)
APR
Monthly Payment
per $1,000 Borrowed

Actions

607.750%$20.16

Visit A Branch

1208.250%$12.27

Visit A Branch

Maximum loan amount $40,000 - minimum $3,000. Minimum down payment of 35% (new boat) or 40% (used boat) is required based on the lesser of book value or purchase price. Vessel must be registered and operated within the State of Maryland. Security Interest Filing with DNR and full insurance coverage with Arundel Federal as the loss payee are required. APR = Annual Percentage Rate.

New Automobiles and Trucks

Obtain the financing you need to purchase a new car, truck or SUV.

  • Repayment terms up to 6 (six) years
  • $500 minimum down payment required
  • Maximum loan amount $50,000 - minimum loan amount $5,000
  • Fixed interest rates
  • Vehicle must be registered and operated in the State of Maryland

Effective Date: Friday, May 9, 2025

New Automobiles And Trucks (Rate Table)
Term (Months)
APR
Monthly Payment
per $1,000 Borrowed

Actions

365.750%$30.31

Visit A Branch

486.000%$23.49

Visit A Branch

606.250%$19.45

Visit A Branch

727.000%$17.05

Visit A Branch

Maximum loan amount $50,000 - minimum $5,000. Minimum down payment of $500 required. Vehicles greater than 6 months old are considered used. Age of vehicle, plus loan term can not exceed 8 (eight) years. Vehicle must be registered and operated within the State of Maryland. Security Interest Filing with MVA and full insurance coverage with Arundel Federal as the loss payee are required. Auto debited payments are eligible for lower rates, please inquire for details. APR = Annual Percentage Rate.

NOW Checking^°

Start earning interest on your checking account balance, and watch the rate increase as your balance rises with an Arundel Federal Savings Bank NOW Personal Checking account. Maximize your checking account dollars in a variable interest rate bearing account. Enjoy the convenience of online banking and bill pay, mobile banking, unlimited check writing and more. 

  • $250 minimum opening deposit
  • Interest is compounded daily & credited monthly
  • Variable interest rate tied to balance
  • Interest tiers: $250 - $999, $1,000+
  • Daily account balance determines that day's interest tier
  • Debit card with surcharge-free access to 5,000+ ATMs nationwide
  • Unlimited check writing
  • Monthly service charge of $5 if balance falls below $250
  • Monthly statement - printed or electronic
  • Free teller transactions
  • 24/7 Telephone Banking
  • Online Banking
  • Bill Pay
  • Mobile Banking
  • Avoid overdraft fees by signing up for "Worry Free" savings transfers or applying for an overdraft line of credit

Effective Date: Friday, May 9, 2025

Checking Accounts (Rate Table)
Annual Percentage Yield (APY)
Minimum Balance To
Earn APY/Open
0.03$250.00
0.03$1,000.00

^ 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.

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: Friday, May 9, 2025

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.

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