Lending Product Rates
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 July 21, 2017.
Please note that the rates are subject to change without notice.
Fixed Mortgage Rates (1-4 Family Owner Occupied)
| Term | Interest Rate (%) | APR*(%) |
|---|---|---|
| 10 Year | 3.125 | 3.395 |
| 15 Year | 3.125 | 3.312 |
| 20 Year | 3.750 | 3.898 |
| 30 Year | 4.000 | 4.108 |
* 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 $1457.08, 15-year is $1044.91 20-year is $889.33and 30-year is $716.12. Property insurance is required.
Construction Loans - Fixed Rates
| Term | Interest Rate (%) | APR*(%) | |
|---|---|---|---|
| 15 Year | 3.125 | 3.477 | |
| 20 Year | 3.750 | 4.011 | |
| 30 Year | 4.000 | 4.193 |
* 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 $1,457.08, 20-year is $889.33, and 30-year is $716.12. Property insurance is required.
Adjustable Rate Mortgage Rates (1-4 Family Owner Occupied)
| Product Name | Interest Rate (%) | APR*(%) |
|---|---|---|
| 5/1 ARM | 3.000 | 4.220 |
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 3.250% there will be 60 fixed payments of $4.35. During the next 300 payments, the maximum amount that the interest rate can increase is 6 percentage points or 9.250% at a maximum payment of $ $8.23. These payments do not include tax escrow or insurance payments.
Hometown Loan (Single family owner occupied)
| Term | Interest Rate (%) | APR*(%) |
|---|---|---|
| 15 Year | 3.125 | 3.478 |
| 20 Year | 3.750 | 3.943 |
| 30 Year | 4.000 | 4.141 |
* 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 $348.30, 20 year loan is $296.44, and a 30 year loan is $238.71. Geographic and income restrictions apply.
Home Equity Loan ($25,000 - $417,000)
| Term | Loan Amount ($) | Interest Rate (%) | PAYMENT** | APR(%) */ ** |
|---|---|---|---|---|
| 5 Year - First Lien Position | 25,000 to 417,000*** | 2.700 | $445.89 | 2.891 |
| 5 Year - Second Lien Position | 25,000 to 417,000*** | 3.650 | $456.47 | 3.843 |
| 10 Year - First Lien Position | 25,000 to 417,000*** | 3.150 | $243.14 | 3.249 |
| 10 Year - Second Lien Position | 25,000 to 417,000*** | 3.740 | $250.04 | 3.840 |
| 15 Year - First Lien Position | 25,000 to 417,000*** | 3.750 | $181.81 | 3.820 |
| 15 Year - Second Lien Position | 25,000 to 417,000*** | 4.350 | $189.34 | 4.421 |
* 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-$24,999)
| Term | Loan Amount ($) | Interest Rate (%) | PAYMENT** | APR(%) */ ** |
|---|---|---|---|---|
| 5 Year - First Lien Position | 10,000 to 24,999 | 3.990 | $184.12 | 4.475 |
| 5 Year - Second Lien Position | 10,000 to 24,999 | 4.740 | $187.52 | 5.229 |
| 10 Year - First Lien Position | 10,000 to 24,999 | 4.240 | $102.39 | 4.495 |
| 10 Year - Second Lien Position | 10,000 to 24,999 | 5.000 | $106.07 | 5.258 |
| 15 Year - First Lien Position | 10,000 to 24,999 | 4.500 | $76.50 | 4.678 |
| 15 Year - Second Lien Position | 10,000 to 24,999 | 5.000 | $79.08 | 5.181 |
* 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 $417,000 | Prime Rate Minus .51% *** ~Special~ > .99% for 3 months! |
| $10,000 to $24,999 | Prime Rate*** ~Special~ > .99% for 3 months! |
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 4.25%)
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
| Product | Specifics |
|---|---|
| New and Used Auto Loans | Contact your Local Office for Details / Rates and Terms |
| Motorcycle, Boat, RV, etc. | Contact your Local Office for Details / Rates and Terms |
