Rates
Rates Effective – January 1, 2021
Account Rate APY*
Share 0.10% 0.10%
Holiday Savers Club 0.15% 0.15%
Special 0.10% 0.10%
SaveUp+ Savings 2.00% 2.02%
Share Draft Checking 0.01% 0.01%
*APY = annual percentage yield

Certificates

Term Rates APY
6 Months 0.30% 0.30%
9 Month Add-on* 0.55% 0.55%
12 Months 0.45% 0.45%
18 Months 0.50% 0.50%
24 Months 0.55% 0.55%
36 Months 0.60% 0.60%
Minimum opening deposit for 6, 12, 18, 24, and 36 month certificates is $500.
Minimum opening deposit for a 9 Month Add-On Certificate is $100.
*Minimum additional deposit is  $15 through payroll deduction.
LOANS APRs* as low as
Holiday365 — Maximum $2,000 per member. 6 to 12 Month Terms. 18.00% (with a .50% discount for payment by Payroll or ACH) 17.50%**
Signature — Maximum $15,000 per member. Terms up to 60 months.    8.75%**
VISA Platinum Credit Card — $500 to $10,000. A Secured Card option is available. Limited time Introductory Rate of 4.49% for the first twelve billing cycles.    9.15%**
Overdraft Protection – Maximum $3,000.    9.75%**
Line-of-Credit – Maximum $15,000 (Minimum advance $500.00).    9.25%**
Share/Certificate Secured – Up to amount on deposit. Terms up to 144 months. 2.00% above share rate used for security
Auto Loans — Maximum 110% of MSRP on New Autos or 110% of NADA Clean Retail Value on Used Autos. 1.74%** New 36 Months
1.99%** New 48 Months
2.49%** New 60 Months
3.24%** New 72 Months
3.74%** New 84 Months
3.24%** Used 36 Months
3.49%** Used 48 Months
3.74%** Used 60 Months
4.49%** Used 72 Months
4.99%** Used 84 Months
Motorcycle Loan — 100% of MSRP, new Motorcycles only. 48 month 2.74% – 60 month 3.24%**
Credit Builder — Helps build credit history. $5,000 maximum Up to 24 Months. 5.25%**
Home Improvement Loan — Minimum $7,500/Maximum $25,000. Terms up to 120 Months. 3.25%**
Home Equity Line of Credit — Minimum $15,000/Maximum $100,000. *** 4.25%**

*APR = Annual Percentage Rate. Rates are subject to change without notice.
**Includes discount of 0.50% for payment by payroll deduction or ACH.
***Offered on properties located in Maryland only. For further details and an application call 240-459-8008.

Qualifications apply.

Full Rate Sheet