Maryland interest rates

July 24, 2008

	Phone	Money market	Certificate of deposit	New car loan
	Calls from	Rate	Min.	Rate	Min.	Term	Rate	Term	Down
	Balt. area	(%)	dep.	(%)	dep.	(mos.)	(%)	(mos.)	(%)
Banks
Annapolis Community Bank	410-263-1255	2.96	25,000	3.93	1,000	7	7.00	72	10
Bank of Glen Burnie	410-766-3300	0.40	2,500	2.57	2,500	15	5.75	60	10
Bay National Bank	410-494-2580	1.55	50,000	3.50	10,000	60	None
Carrollton Bank	410-536-4600	2.17	100,000	2.67	500	13	7.24	60	10
Community First Bank	410-580-0800	0.80	1,000	3.34	500	24	6.49	60	10
Harford Bank	410-893-6200	1.84	20,000	3.44	1,000	23	6.50	48	10
K Bank	410-363-7050	2.23	50,000	4.16	500	61	8.50	48	20
Northwest Savings Bank	410-242-3388	1.74	75,000	2.72	500	9	6.99	var.	20
Provident Bank	800-962-9644	1.69	25,000	2.42	500	12	None
Regal Bank & Trust	410-363-1772	1.00	1,000	2.95	1,000	36	6.25	60	10
Sandy Spring Bank	410-792-2450	1.25	50,000	2.72	1,000	6	7.00	60	10
Towson Community Bank	410-823-0500	2.96	25,000	3.93	1,000	7	None
Savings institutions
Arundel Federal	410-355-9300	1.45	20,000	3.25	10,000	24	5.40	48	20
Baltimore Co. Savings	410-256-1300	3.20	250,000	4.00	5,000	40	5.99	60	0
Bay-Vanguard	410-477-5000	2.72	40,000	3.20	1,000	25	6.50	60	10
Bradford Bank	410-372-1499	2.20	25,000	3.30	500	12	5.99	60	10
Chesapeake Bank	410-661-1141	2.50	75,000	2.96	1,000	18	None
Eastern Savings	800-787-7372	2.372	75,000	3.445	1,000	60	None
Fairmount Federal	410-866-4500	2.47	10,000	2.81	1,000	12	None
Fraternity Federal	410-539-1313	1.00	2,500	4.28	100	30	None
Hamilton Federal	410-254-9700	1.85	1,500	4.14	5,000	15	6.00	60	20
Homewood Federal	410-327-5220	2.53	1,000	3.15	1,000	12	None
Hopkins Federal	410-675-2828	2.50	1,000	4.00	2,500	60	None
Liberty Federal	410-752-3070	1.98	2,500	2.71	500	12	None
Madison Bohemian	410-254-3737	2.43	40,000	3.88	500	12	None
Madison Square	410-488-4800	1.73	20,000	2.52	500	6	6.25	60	0
Rosedale Federal	410-668-4400	2.23	2,500	3.92	500	60	6.50	60	10
Slavie Federal	410-444-5555	2.43	25,000	2.85	500	8	6.50	60	0
Credit unions
	Phone	Money market	Share certificate	New car loan
	Calls from	Rate	Min.	Rate	Min.	Term	Rate	Term	Down
	Balt. area	(%)	dep.	(%)	dep.	(mos.)	(%)	(mos.)	(%)
Atlantic Financial FCU	410-584-7474	1.99	500	3.46	2.500	60	5.50	84	0
Baltimore Co. Employees FCU	410-828-4730	1.75	2,500	3.75	500	60	5.25	60	0
Destinations CU	410-254-0400	2.10	25,000	3.95	500	60	5.25	60	0
First Financial FCU	410-321-6060	2.274	20,000	3.922	2,000	36	4.90	60	0
Freedom FCU	410679-2440	2.30	50,000	3.85	300	60	4.75	60	0
Johns Hopkins FCU	410-534-4500	3.05	25,000	3.84	500	60	5.25	48	0
MECU of Baltimore	410-752-8313	2.91	50,000	3.55	500	18	5.49	60	0
Point Breeze CU	410-584-7228	None		3.92	10,000	30	5.50	36	0
SECU of Maryland	410-487-7328	2.18	25,000	3.11	500	12	4.74	72	0
SecurityPlus FCU	410-965-8908	1.75	1,500	3.60	1,000	27	5.49	60	0
USCG Community CU	410-789-5420	2.472	20,000	3.929	1,000	60	4.00	60	0

Credit unions are financial cooperatives that share a common-bond field of membership. The above credit unions generally represent:

1. Atlantic Financial: Serving more than 100 companies including Verizon, Good Samaritan Hospital and several Baltimore hotels and museums. Check online at www.affcu.org.

2. Baltimore Co. Employees: Active and retired Baltimore County government employees, volunteers and family members. Check www.bcefcu.com for additional listings.

3. Destinations CU: Employees of the MTA (Maryland Transit Administration), depositors of the former Team FCU, employees of other approved SEGs (select employee groups) and family members.

4. First Financial Federal Credit Union is the credit union for the Baltimore and Carroll County public school systems as well as many private colleges, hospitals and businesses in the Baltimore area.

5. Freedom FCU is open to all who live, work, worship or attend school in Harford County.

6. Johns Hopkins: Employees of the Johns Hopkins institutions, their affiliates (excluding JH APL) and family members, or anyone who lives, works, attends school or worships in the area surrounding JH Bayview.

7. MECU: Anyone who lives, works, worships or goes to school in Baltimore City and their family members.

8. Point Breeze CU membership is open to employees and retirees of employers within a 20-mile radius a branch office, and their immediate family members.

9. SECU: Maryland state employees and retirees; students and alumni of Maryland state universities and colleges; volunteer firefighters and employees of select companies and their family members.

10. SecurityPlus FCU: Social Security Administration and Centers for Medicare & Medicaid Services employees, retirees and their immediate families, also members of other select employee groups and those who live, work, attend school or worship in Baltimore City.

11. USCG Community CU membership is open to anyone who lives, works, worships or attends school in South Baltimore or northern Anne Arundel County. This institution is insured by American Share Insurance and is not federally insured.

Call the credit union you are interested in joining to see if you qualify to be a member.

THIS WEEK: PRIME RATE - 5.00 percent; 3-MONTH TREASURY BILLS -1.61 percent

The rates published are BASE RATES, NOT the APY, and are provided by the institutions each Wednesday. Rates, minimums and terms can change at any time without prior notice. This chart should be used only as a guide. Certain fees, terms and conditions may be placed on deposits and loans. Find out about specific terms and rates before depositing and/or borrowing funds.