Corporate Office Address

1920 Rock Spring Road
Forest Hill, MD 21050
410-420-9600
410-254-3737

 

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Today' s Rates - Current as of

 

Deposit Rates
Variable Rate AccountsAnnual Percentage Yield (APY)Interest RateMinimum to OpenMinimum Balance to Earn Stated APY
Super Statement Savings .10% .10% $500.00 $500.00
Statement Savings .10% .10% $25.00 $25.00
Online Ultra Savings Account .15% .15% $500.00* $500.00
**Money Market with Checking .10% .10% $2,500.00 $2,500.00
Elite Money Market .25% .25% $40,000.00 $40,000.00
  .20% .20%   **$2,500.00 to $39,999.99
MB NOW Checking .10% .10% $100.00 $250.00
MB Ultimate NOW Checking .25% .25% $25,000.00 $25,000.00
  .20% .20%   $.01 - $24,999.99
"Simplicity" NOW Checking N/A N/A $100.00 N/A

 

Certificate of Deposit Rates
Certificate of DepositAnnual Percentage Yield (APY)Interest RateMinimum Balance to Open and Earn Stated APY
6 Month    .20%   .20% $500.00
***12 Month   .30%   .30% $500.00
14 Month   .35%   .35% $500.00
18 Month   .40%  .40% $500.00
***24 Month   .50%  .50% $500.00
30 Month   .85%  .85% $500.00
36 Month   .75%  .75% $500.00
48 Month   .90%  .90% $500.00
***60 Month 1.50% 1.51% $500.00

 

   DISCLOSURES FOR ALL CHECKING AND SAVINGS PRODUCTS

  • *Maximum opening amount is $200,000.
  • **No interest earned on balances below $2500.00
  • *** Terms also offered for IRA certificates of deposit. IRA certificates of deposit only: The minimum balance to open and earn stated APY is $250.00.  Additional deposits are allowed with a minimum of $10.00.
  • Savings products are offered at all of our branch locations for customers residing in Maryland and York County, PA. All applicants must physically come into the branch to open the account. The Online Ultra Savings Account is offered through our website for all legal U.S. residents living in one of the 50 states. Proper identification must be supplied at account opening.
  • Rates are subject to change without notice.
  • Deposits earn interest from the day of deposit to day of withdrawal. Fees may reduce earnings. We use the daily balance method to calculate the interest. This method applies a periodic rate to the principal in the account each day.
  • No additional deposits for Certificate Accounts, with the exception of IRA accounts.
  • A penalty will be imposed on Certificate Accounts that is equal to 90 days of simple interest on the withdrawn amount on account terms of 12 months or less. On account terms exceeding 12 months the penalty imposed will be 180 days of simple interest. The penalty will invade the principal if the penalty amount is greater than the interest earned at the time of withdrawal.
  • NOW checking accounts are available for consumers and non-profit corporations.

 

Residential Purchase/Refinance
Loan ProgramInterest Rate PointsAnnual Percentage Rate (APR)Rate/$1000
7 Year Fixed Rate 3.000% 0 3.120% 13.21
10 Year Fixed Rate 3.250% 0 3.336% 9.77
12 Year Fixed Rate 3.375% 0 3.448% 8.45
15 Year Fixed Rate 3.500% 0 3.560% 7.15
20 Year Fixed Rate 4.000% 0 4.048% 6.06
30 Year Fixed Rate 4.375% 0 4.410% 4.99
  • Maximum LTV for Purchase - 80%.
  • Maximum LTV for Refinance - 80%.
Residential Construction Permanent/Rehab Loans (The rate is the same for both the construction & permanent)
Loan ProgramInterest RatePointsAnnual Percentage Rate (APR)Rate/$1000Maximum Loan to Value (LTV)
7 Year Fixed Rate 3.000% 1 3.477% 13.21 80%
 10 Year Fixed Rate 3.250% 1 3.600% 9.77  80%
 12 Year Fixed Rate  3.375% 1 3.674%  8.45  80%
15 Year Fixed Rate   3.500%   1  3.747%  7.15  80%
20 Year Fixed Rate 4.00% 1 4.197% 6.06 80%
30 Year Fixed Rate 

 4.375% 

 4.443% 4.99  80%
  • Licensed builder required.
  • 1 settlement.  Construction term is 6 months and interest only will be billed monthly during construction, based on outstanding draws. At settlement construction funds are placed in an account and draws will be released upon satisfactory inspections. A  maximum of 65% of the lot value may be released at settlement. At the end of the construction a permanent loan will be established to amortize the loan which will include principal and interest.  Escrow for real estate taxes and other insurances may be required. 
Residential Home Equity Installment Loans Rates
Loan ProgramInterest Rate PointsAnnual Percentage Rate (APR)Rate/$1000
 5 Year Fixed Rate 4.250% 0 4.342% 18.53
7 Year Fixed Rate 4.750% 0 4.818% 14.02
10 Year Fixed Rate 5.250% 0 5.299% 10.73
15 Year Fixed Rate 5.500% 0 5.535%  8.17
  • Maximum LTV for Total Liens - 80%. 
Residential Building Lot Loan Rate Effective 
Loan ProgramInterest RatePointsAnnual Percentage Rate (APR)Rate/$1000Maximum Loan to Value (LTV)
20 Year Fixed Rate/5 Year Call 6.000% 1 6.177% 7.16 65%

 

  • Lot Loans will require a perk test and potability test prior to settlement if the site will be serviced by a well and/or septic.

     ADDITIONAL DISCLOSURES FOR ALL LENDING PRODUCTS

  • To estimate your monthly payment divide your loan amount by 1000 and multiply by the rate per thousand. The rate per thousand is based on principal and interest and does not include taxes or insurance; your actual payment will be greater. We may escrow for real estate taxes and other insurances. The terms of repayment can be estimated by multiplying your monthly payment by the number of months in the loan.
  • LTV's are based on the lesser of sales price, acquisition costs or the real estate valuation.
  • Our lending territory is the Baltimore Metropolitan area & York County, PA.
  • Proper identification must be supplied by all applicants, in person, at or prior to loan settlement.
  • The APR is based on a loan amount of $200,000.00 with typical fees and 20% down payment/equity. Residential Home Equity Installment Loans APR is based on a loan amount of $100,000.00 with typical fees and 20% total down payment/equity.
  • Interest Rates will be locked in for a period up to 60 days from the date of application. All loans subject to credit and property approval.
  • Rates and terms are subject to change daily. The stated rates are for loans up to $417,000.00 for 1-4 family owner occupied homes. Contact the mortgage department for rates on loans over $417,000.00 and other non-owner occupied loans.
  • A fee for credit report may be required at time of application. Fees for appraisal and flood certification may be required prior to loan approval. Fees may vary.
  • Consult your tax adviser regarding deductability of interest and charges.

 

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