Home Equity

FCB customers can use the existing equity in their primary residence to establish a Home Equity Line of Credit or Home Equity Fixed Rate loan. For current rate and term information, please contact Frederick County Bank at 301-620-1400.

Home Equity Line of Credit

• Revolving line of credit
• Two convenient payment options:
  - Interest paid only on the amount borrowed
  - 2% of the principal balance
• Three easy ways to access the line:
  - Write a check
  - Use FCB’s Online Banking service to transfer funds to your personal FCB checking account
  - Obtain a cash advance at any FCB branch location
• Variable interest rate
• No Annual Fee
• Discounted rate with an automatic payment from your FCB checking or savings account

Home Equity Fixed Rate

• Borrow amount needed at settlement
• Interest rate and term of the loan are fixed
• Discounted rate with an automatic payment from your FCB checking or savings account

Installment

Frederick County Bank offers secured and unsecured simple interest loan products. For current rate and term information, please contact Frederick County Bank at 301-620-1400.

Vehicle Loan

• Secured by vehicle being purchased or refinanced
• Interest rate and term of the loan are fixed
• Discounted rate with an automatic payment from your FCB checking or savings account

Unsecured Loan

• Requires no collateral
• Interest rate and term of the loan are fixed
• Discounted rate with an automatic payment from your FCB checking or savings account

Lines of Credit — tied to Frederick County Bank checking account

Unsecured personal revolving lines of credit are available through FCB's Ready Reserve product selection. The line may be used for automated overdraft protection or a check-activated line of credit.

Mortgage

Obtain a mortgage loan to construct a new residence, purchase a home or refinance your existing mortgage.

*All Frederick County Bank loan products are subject to underwriting and credit approval. There is no prepayment penalty for consumer loans and lines of credit.

Note: Frederick County Bank's trade area is primarily Frederick County, Maryland.