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Home Equity Rates

Effective Date: Friday, May 9, 2025

Home Equity Rates (Rate Table)
Combined Loan to Value Ratio
Loan Term
Interest Rate
Points
Annual Percentage Rate
Payment per $1,000 borrowed

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90% CLTV Minimum Credit Score 72020 Years
(Minimum Loan $25,000)
8.875%0.00%9.022%$8.92

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90% CLTV Minimum Credit Score 72015 Years
(Minimum Loan $20,000)
8.750%0.00%8.928%$9.99

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90% CLTV Minimum Credit Score 72010 Years
(Minimum Loan $15,000)
8.500%0.00%8.741%$12.40

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90% CLTV Minimum Credit Score 7207 Years
(Minimum Loan $10,000)
8.375%0.00%8.701%$15.77

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90% CLTV Minimum Credit Score 7205 Years
(Minimum Loan $10,000)
8.250%0.00%8.688%$20.40

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85% CLTV
Minimum
Credit Score
680
20 Years
(Minimum Loan $25,000)
8.250%0.00%8.390%$8.52

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85% CLTV
Minimum
Credit Score
680
15 Years
(Minimum Loan $20,000)
8.125%0.00%8.295%$9.63

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85% CLTV
Minimum
Credit Score
680
10 Years
(Minimum Loan $15,000)
7.875%0.00%8.107%$12.07

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85% CLTV
Minimum
Credit Score
680
7 Years
(Minimum Loan $10,000)
7.500%0.00%7.810%$15.34

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85% CLTV
Minimum
Credit Score
680
5 Years
(Minimum Loan $10,000)
7.625%0.00%8.049%$20.10

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80% CLTV
Minimum
Credit Score
660
20 Years
(Minimum Loan $25,000)
7.750%0.00%7.884%$8.21

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80% CLTV
Minimum
Credit Score
660
15 Years
(Minimum Loan $20,000)
7.625%0.00%7.789%$9.34

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80% CLTV
Minimum
Credit Score
660
10 Years
(Minimum Loan $15,000)
7.375%0.00%7.600%$11.81

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80% CLTV
Minimum
Credit Score
660
7 Years
(Minimum Loan $10,000)
7.250%0.00%7.556%$15.22

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80% CLTV
Minimum
Credit Score
660
5 Years
(Minimum Loan $10,000)
7.125%0.00%7.538%$19.86

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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. 

Checking Accounts

Effective Date: Friday, May 9, 2025

Checking Accounts (Rate Table)
Account Type
Annual Percentage Yield (APY)
Minimum Balance To
Earn APY/Open

Actions

FreeBee--No Service Charge Personal DDANoneN/AOpen an Account
Senior Rewards 55+ ^*0.03$250.00/$50.00Open an Account
NOW^°0.03$250.00Open an Account
NOW^°0.03$1,000.00Open an Account
Money Market Checking^°
(Tier 1)

0.05

$1,000.00Open an Account
Money Market Checking^°
(Tier 2)

0.10

$20,000.00Open an Account
Money Market Checking^°
(Tier 3)
0.25$50,000.00Open an Account
Money Market Checking^°
(Tier 4)
0.40$250,000.00Open an Account
Money Market Checking^°
(Tier 5)
0.75$500,000.00Open an Account

^ 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.

Savings and Money Market Accounts

Effective Date: Friday, May 9, 2025

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

Actions

Statement Savings^0.04$50.00Open an Account
Goal Maker Savings^*~
(Tier 1)
.04$0.01/$5.00Open an Account
Goal Maker Savings^*~
(Tier 2)
.04-.04$2,500.01Open an Account
Senior Rewards 55+ ^*0.04$250.00/$50.00Open an Account
Christmas Club^0.75$10.00

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Vacation Club Account^

0.50

$10.00

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Money Market Savings^°
(Tier 1)
0.10$1,000.00Open an Account
Money Market Savings^°
(Tier 2)
0.20$20,000.00Open an Account
Money Market Savings^°
(Tier 3)
0.40$50,000.00Open an Account
Money Market Savings^°
(Tier 4)
0.50$250,000.00Open an Account
Money Market Savings^°
(Tier 5)
0.80$500,000.00Open an Account

^ 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.

Certificate and Retirement Accounts

Effective Date: Friday, May 9, 2025

Certificate and Retirement Accounts (Rate Table)
Account Type
Annual Percentage Yield (APY)
Minimum Balance To
Earn APY/Open

Actions

6 Month3.75$1,000.00Open an Account
9 Month *3.90$1,000.00Open an Account
12 Month3.75$1,000.00Open an Account
13 Month *3.50$500.00Open an Account
18 Month3.60$1,000.00Open an Account
24 Month3.15$1,000.00Open an Account
36 Month^^2.50$5,000.00Open an Account
48 Month2.50$1,000.00Open an Account
48 Month2.75$25,000.00Open an Account
60 Month2.50$1,000.00Open an Account
60 Month2.75$25,000.00Open an Account
84 Month2.75$10,000.00Open an Account
Wealth Builder IRA^*°0.25$50.00Contact Us
Wealth Builder IRA^*°0.50$5,000.00Contact Us
Wealth Builder IRA^*°1.00$25,000.00Contact Us

^ 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.

Photo of John A. Giovanazi

John A. Giovanazi

Senior Vice President and Head of Commercial Real Estate Lending

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Thomas Ahearn

Vice President/ Commercial Real Estate Lending Officer

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Thomas N. Herpel

Board of Director

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Todd M. Bailey

Board of Director

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George J. Behr, Jr.

Board of Director

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Pamela G. Beidle

Board of Director

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R. Bruce Jones, Sr.

Board of Director

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Valerie S. Polyniak

Board of Director

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Victor A. Pyles, III.

Director Emeritus

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