Lending Product Rates

 

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Which rates do you need today?
 Mortgage Rates
Construction Rates
Hometown Rates (Special!)
Home Equity Rates 
Line of Credit Rates
Other Rates

 

All rates effective as of  March 29, 2017.
Please note that the rates are subject to change without notice.


Fixed Mortgage Rates (1-4 Family Owner Occupied)

TermInterest Rate (%)APR*(%)
10 Year 3.2503.521
15 Year 3.2503.521
20 Year 4.0004.150
30 Year 4.2504.360
Other Specific Rates and Term are Available

* Annual Percentage Rate (APR) is subject to change without notice.
The APR is accurate for a fixed rate home mortgage loan of $150,000 with a loan to value ratio (LTV) of 80%.
Higher LTV may require private mortgage (PMI) insurance, which will increase the APR.

The monthly principal and interest payment on $150,000 for 10-year is $1465.79, 15-year is $1,054.00 20-year is $908.97 and 30-year is $737.91. Property insurance is required.


Construction Loans - Fixed Rates

Term Interest Rate (%)APR*(%)
15 Year 3.2503.573
20 Year 4.0004.264
30 Year 4.2504.447
Other Specific Rates and Term are Available

* Annual Percentage Rate (APR) is subject to change without notice.
The APR is accurate for a fixed rate home mortgage loan of $150,000 with a loan to value ratio (LTV) of 80%.

The monthly principal and interest payment on $150,000 for a 15-year is $1054.00, 20-year is $908.97, and 30-year is $737.91. Property insurance is required.

Adjustable Rate Mortgage Rates (1-4 Family Owner Occupied)

Product NameInterest Rate (%)APR*(%)
5/1 ARM2.7504.197
* Annual Percentage Rate (APR) is subject to change without notice and is based on a $150,000 loan with a loan to value ratio (LTV) of 80% at an initial interest rate of 2.750% The interest rate will adjust annually after the initial five year fixed lock-in period.
In the 6th year, the new interest rate will be based on an index (the weekly average yield for U.S. Treasury Securities adjusted to a constant maturity of one year rounded to the nearest one eighth percent), plus 3.500%.
The adjustment is limited to an increase or decrease of 2 percentage points annually. The interest rate cannot decrease to less than 3.500%.
For example, for every $1,000 borrowed at the initial interest rate of 2.750% there will be 60 fixed payments of $4.08. During the next 300 payments, the maximum amount that the interest rate can increase is 6 percentage points or 8.75% at a maximum payment of $7.29 per $1,000. These payments do not include tax escrow or insurance payments.

Hometown Loan (Single family owner occupied)

TermInterest Rate (%)APR*(%)
15 Year 3.2503.494
20 Year 4.0004.195
30 Year 4.2504.393
Call us to see if you qualify for this special rate!

* Annual Percentage Rate (APR) is subject to change without notice.
The APR is accurate for a fixed rate home mortgage loan of $50,000
LTV great than 80% requires private mortgage (PMI) insurance.
The monthly principal and interest payment on $50,000 for a 15 year loan is $351.33, 20 year loan is $302.99, and a 30 year loan is $245.97.
Geographic and income restrictions apply.

Home Equity Loan ($25,000 - $417,000)

TermLoan Amount ($)Interest Rate (%)PAYMENT**APR(%)
*/ **
5 Year - First Lien Position
25,000 to 417,000***2.700$445.892.891
5 Year - Second Lien Position
25,000 to 417,000***3.650$456.473.843
10 Year - First Lien Position25,000 to 417,000***3.150$243.143.249
10 Year - Second Lien Position25,000 to 417,000***3.740$250.043.840
15 Year - First Lien Position25,000 to 417,000***3.750$181.813.820
15 Year - Second Lien Position25,000 to 417,000***4.350$189.344.421
** All Payments and APRs are based on a $25,000 Home Equity Loan
* Annual Percentage Rate (APR) is subject to change without notice.
Minimum required loan balance is $25,000.

Property must be a 1- 4 family owner occupied property.
Existing loan customers must increase their current loan amount by $5,000 to obtain new rate.
Maximum loan to value (LTV) of 85%.
Auto-payment from a Standard Bank checking account is required.
Property and flood insurance may be required if applicable.
An appraisal may be required. Closing costs may range from $250.00 to $825.00
Applicable recording stamps for the State of Maryland must be paid by the borrower.


***Loans over $250,000 require Title Insurance.

Home Equity Loan ($10,000-$24,999)

TermLoan Amount ($)Interest Rate (%)PAYMENT**APR(%)
*/ **
5 Year - First Lien Position10,000 to
24,999
3.990$184.124.475
5 Year - Second Lien Position10,000 to
24,999
4.740$187.525.229
10 Year - First Lien Position10,000 to
24,999
4.240$102.394.495
10 Year - Second Lien Position10,000 to
24,999
5.000$106.075.258
15 Year - First Lien Position10,000 to
24,999
4.500$76.504.678
15 Year - Second Lien Position10,000 to
24,999
5.000$79.085.181
**Payments and APR based on $10,000 Home Equity Loan.
* Annual Percentage Rate (APR) is subject to change without notice.
Minimum required loan balance is $10,000.

Property must be a 1-4 family owner occupied property.
Existing loan customers must increase their current loan amount by $5,000 to obtain new rate.
Maximum loan to value (LTV) of 85%.
Auto-payment from a Standard Bank checking account is required.
Property and flood insurance may be required if applicable.
An appraisal may be required. Closing costs may range from $250.00 to $825.25.
Applicable recording stamps for the State of Maryland must be paid by the borrower.


Interest Only - Home Equity Line of Credit

Loan Amount ($)*Interest Rate
$25,000 to $417,000Prime Rate Minus .51% ***
~Special~ > .99% for 3 months!
$10,000 to $24,999Prime Rate***
~Special~ > .99% for 3 months!
*Interest Rate is subject to change without notice.
An appraisal may be required. Maximum Loan to Value 80%.
Closing costs may range from $250.00 to $825.00.
Auto-payment from a Standard Bank checking account is required***
Applicable recording stamps for the State of Maryland must be paid by the borrower.
Property must be a 1-4 family, owner occupied property.
Interest rate may increase after consummation of the loan.
Variable Rate is based on the Prime Rate (currently 4.00%)
The Maximum APR over the life of the line can not exceed 18%
Property insurance is required on the property that secures your account. Flood Insurance may be required.
Lines in excess of $250,000 require Title Insurance..
$25 annual fee

Other Products

ProductSpecifics
New and Used Auto LoansContact your Local Office for Details / Rates and Terms
Motorcycle, Boat, RV, etc.Contact your Local Office for Details / Rates and Terms

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