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If you have not yet used BankLine, call your local branch and establish your password to begin.
A fixed rate loan allows you, the homeowner, the benefit of knowing exactly what your mortgage loan interest and principal payments will be for the life of your loan and are available for a home purchase or a mortgage refinance. Enjoy a fixed interest rate and fixed monthly payments. Available for 15- and 30-year home loans. View today's mortgage interest rates below.
Effective Date: Monday, December 8, 2025
Program Name | Rate | Points | Annual Percentage Rate | Monthly Payment per $1,000 Borrowed^ | Actions |
|---|---|---|---|---|---|
| 30 Year Fixed | 6.125% | 0.00% | 6.179% | $6.08 | |
| 15 Year Fixed | 6.000% | 0.00% | 6.089% | $8.44 | |
| Lot Loan** | 7.125% | 1.00% | 7.498% | $6.74 |
Investor Loans available. Contact for information.
Interest rates and terms are subject to change without notice and may be subject to pricing add-ons related to property type, loan amount, loan to value, term, credit score, and other variables. Please call for details.
** 30 year amortization with 5 year balloon. Purchase only.
^ Payments do not include amount for taxes and insurance premiums if applicable and the actual payment obligation will be higher.
SUBJECT TO CREDIT APPROVAL
Borrow from the equity that you have established in your home to finance home improvement projects, large purchases or consolidate debt.
Effective Date: Monday, December 8, 2025
Combined Loan to Value Ratio | Loan Term | Interest Rate | Points | Annual Percentage Rate | Payment per $1,000 borrowed | Actions |
|---|---|---|---|---|---|---|
| 90% CLTV Minimum Credit Score 720 | 20 Years (Minimum Loan $25,000) | 8.875% | 0.00% | 9.022% | $8.92 | |
| 90% CLTV Minimum Credit Score 720 | 15 Years (Minimum Loan $20,000) | 8.750% | 0.00% | 8.928% | $9.99 | |
| 90% CLTV Minimum Credit Score 720 | 10 Years (Minimum Loan $15,000) | 8.500% | 0.00% | 8.741% | $12.40 | |
| 90% CLTV Minimum Credit Score 720 | 7 Years (Minimum Loan $10,000) | 8.375% | 0.00% | 8.701% | $15.77 | |
| 90% CLTV Minimum Credit Score 720 | 5 Years (Minimum Loan $10,000) | 8.250% | 0.00% | 8.688% | $20.40 | |
| 85% CLTV Minimum Credit Score 680 | 20 Years (Minimum Loan $25,000) | 8.250% | 0.00% | 8.390% | $8.52 | |
| 85% CLTV Minimum Credit Score 680 | 15 Years (Minimum Loan $20,000) | 8.125% | 0.00% | 8.295% | $9.63 | |
| 85% CLTV Minimum Credit Score 680 | 10 Years (Minimum Loan $15,000) | 7.875% | 0.00% | 8.107% | $12.07 | |
| 85% CLTV Minimum Credit Score 680 | 7 Years (Minimum Loan $10,000) | 7.500% | 0.00% | 7.810% | $15.34 | |
| 85% CLTV Minimum Credit Score 680 | 5 Years (Minimum Loan $10,000) | 7.625% | 0.00% | 8.049% | $20.10 | |
| 80% CLTV Minimum Credit Score 660 | 20 Years (Minimum Loan $25,000) | 7.750% | 0.00% | 7.884% | $8.21 | |
| 80% CLTV Minimum Credit Score 660 | 15 Years (Minimum Loan $20,000) | 7.625% | 0.00% | 7.789% | $9.34 | |
| 80% CLTV Minimum Credit Score 660 | 10 Years (Minimum Loan $15,000) | 7.375% | 0.00% | 7.600% | $11.81 | |
| 80% CLTV Minimum Credit Score 660 | 7 Years (Minimum Loan $10,000) | 7.250% | 0.00% | 7.556% | $15.22 | |
| 80% CLTV Minimum Credit Score 660 | 5 Years (Minimum Loan $10,000) | 7.125% | 0.00% | 7.538% | $19.86 |
Fixed Rate and Term. Single Advance. Annual Percentage Rate based on loan amount of $100,000 and fees of approximately $1500.00. Payments per $1,000 borrowed do not include taxes or insurance premiums which may increase the monthly payment. Borrower pays all closing costs. Property insurance is required on your home.
Combined Loan to Value Ratio is the total of your outstanding 1st mortgage balance plus the proposed equity loan, divided by the value of your home.
If you would like in-depth financial information on Arundel Federal Savings Bank, including balance sheet, income statement, performance and condition ratios, or demographic information, access the FDIC’s Institutional Directory Database. Our FDIC Certificate number is 28780. This link will take you from our web site to the FDIC’s website.
Arundel Federal Savings Bank is excited to offer the Federal Home Loan Bank’s Affordable Housing First-Time Homebuyer* program to qualified first-time homebuyers. Achieve the dream of homeownership with up to $17,500 in down-payment and closing-cost assistance for first-time homebuyers.
If you are a law enforcement officer, educator, health care worker, first responder, veteran, or essential worker, you may be eligible for an additional $2,500, for a total of $20,000 in assistance.
In addition to meeting the eligibility requirements, the homebuyer must:
If you or someone you know is interested in this program, please contact our Loan Servicing Department at 410-768-7800, option #2, or one of our Loan Originators and let’s work together to get you in that first home.
*First-Time Homebuyer is a product of the Federal Home Loan Bank of Atlanta. Household income restrictions and other requirements apply. Please see Federal Home Loan Bank of Atlanta’s Affordable Housing Program Implementation Plan for complete product requirements. NMLS# 671636. Member FDIC and Equal Housing Lender.
*First-Time Homebuyer is a product of the Federal Home Loan Bank of Atlanta. Household income restrictions and other requirements apply. Please see Federal Home Loan Bank of Atlanta’s Affordable Housing Program Implementation Plan at www.fhlbxxx.com for complete product requirements. NMLS# 671636. Member FDIC and Equal Housing Lender.
Whether you’re building or renovating, let the experts at Arundel Federal Savings Bank help you with your construction and permanent loan financing. Building your dream home is a deeply personal journey, which is why our construction permanent loan offer is designed with you in mind. We pride ourselves on providing personalized service that caters to your unique vision, helping you navigate the construction process with ease and confidence. Our competitive rates and community-focused support ensures that you not only receive the best financial options available but also the guidance of a bank that has been a trusted partner in Maryland for years.
An Arundel Federal Savings Bank construction loan will convert to a fixed rate permanent mortgage at the end of construction saving you money on rising interest rates and helping you maintain your monthly budget.
Also, Arundel Federal Savings Bank will consider a request for a self-managed construction job. We will require documented work experience specific to construction and evidence of a present work situation that will allow for time to supervise an ongoing construction project.
We invite you to reach out with any questions you may have about our construction permanent loan process; our friendly team is here to assist you every step of the way. Let’s embark on this exciting journey together and take the first step towards turning your dream home into a reality with Arundel Federal. NMLS# 671636.
Effective Date: Monday, December 8, 2025
| Program Name | Rate | Points | Annual Percentage Rate | Monthly Payment Per $1,000 Borrowed^ |
|---|---|---|---|---|
| 30 Year Fixed | 6.375% | 1.00% | 6.611% | $6.24 |
12-month construction period is Prime + .50. Rate shown is for 30-year fixed. Call for additional rate/APR on other CP permanent phase terms.
Interest rates and terms are subject to change without notice and may be subject to pricing add-ons related to property type, loan amount, loan to value, term, credit score, and other variables. Please call for details.
^ Payments do not include amount for taxes and insurance premiums if applicable and the actual payment obligation will be higher.
SUBJECT TO CREDIT APPROVAL
Plan ahead. Set money aside for annual holiday spending with a Christmas Club.
*Open in branch only.
Effective Date: Wednesday, November 12, 2025
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.
A transaction business checking account suitable for businesses with high transaction volumes and large account balances.
Miscellaneous fees apply. Please refer to current Business Fee Schedule located under Tools and Resources.
Select a term that works for you and start saving for a set period of time.
Effective Date: Monday, December 8, 2025
Account Type | Annual Percentage Yield (APY) | Minimum Balance To Earn APY/Open |
|---|---|---|
| 6 Month | 3.75 | $1,000.00 |
| 9 Month * | 3.70 | $1,000.00 |
| 12 Month | 3.60 | $1,000.00 |
| 13 Month * | 2.00 | $500.00 |
| 18 Month | 3.45 | $1,000.00 |
| 24 Month | 3.00 | $1,000.00 |
| 36 Month^^ | 2.50 | $5,000.00 |
| 48 Month | 2.50 | $1,000.00 |
| 48 Month | 2.75 | $25,000.00 |
| 60 Month | 2.50 | $1,000.00 |
| 60 Month | 2.75 | $25,000.00 |
| 84 Month | 2.75 | $10,000.00 |
| Wealth Builder IRA^*° | 0.25 | $50.00 |
| Wealth Builder IRA^*° | 0.50 | $5,000.00 |
| Wealth Builder IRA^*° | 1.00 | $25,000.00 |
^ Denotes variable rate account. The interest rate may change after the account is opened.
^^ denotes bump up CD-one rate adjustment per term
* 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.
Control your cards with one tap, all within Arundel Federal's mobile banking app. Whether you're at home or on-the-go, instantly turn your cards on or off with a single tap - giving you the peace of mind you deserve.
Set transaction alert: Receive a notification for every transaction conducted on your card.
Set spending limits: Control and monitor your spending limits by setting a maximum transaction amount.
Set transaction types: Disable certain transaction types that you use less often - such as ATM withdrawals or online purchases - to mitigate fraudulent card charges.
Set locations: Avoid card fraud by specifying the regions where your cards are accepted.
To learn more about Card Controls, click here for FAQs.