• Fixed interest rate loan
• Up to 15 year loan terms available, refer to the Home Equity Loan Rates for additional information
• Loan is based on the available equity in your home and other qualifying criteria
• Interest may be tax deductible – consult your tax advisor regarding deductibility of interest

• Can be used to pay off credit cards, automobile purchases, education expenses or for anything else you need
• 15-year line of credit term
• Adjustable rate, revolving line of credit
• Loan is based on available equity in your home and other qualifying criteria
• Interest may be tax deductible – consult your tax advisor regarding deductibility of interest

• $500 minimum loan amount
• Borrow up to 90% of the certificate balance
• A non-retirement certificate of deposit (CD) is held as collateral
• Your CD continues to earn interest and after the loan is paid in full, you still have your original CD balance on deposit with us
• Share loans are approved at each branch location and settlements can occur within a couple of days

• Establish a credit line up to 90% of the certificate balance
• Simply write a check or complete an Internet Banking transfer to access your LOC
• 10-year line of credit term
• Adjustable rate, the rate is always 2% over your current CD interest rate
• A non-retirement certificate of deposit (CD) is held as collateral
• Your CD continues to earn interest and after the loan is paid in full, you still have your original CD balance on deposit with us
• Share loans are approved at each branch location and settlements can occur within a couple of days

If you would like to receive additional information about these loans or any services offered at First Shore Federal, please write to us at: PO Box 4248, Salisbury MD 21803-4248 or send us an e-mail.  Or feel free to visit any of our convenient branch locations.