Bay Bank, FSB - Nationwide Branches

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Branch	Address	View Lobby Hours
Electronic Banking	Www.Baybankmd.com, Baltimore, MD 21234	View Lobby Hours
Lutherville Branch	2328 West Joppa Road Suite 100, Lutherville, MD 21093	View Lobby Hours
Hickory Branch	602 Hoagie Drive, Bel Air, MD 21014	View Lobby Hours
Highlandtown/Canton Branch	531 South Conkling Street, Baltimore, MD 21224	View Lobby Hours
Glen Burnie Branch	427 Crain Highway, N.E., Glen Burnie, MD 21061	View Lobby Hours
Perry Hall Branch	4040 Schroeder Avenue, Perry Hall, MD 21128	View Lobby Hours
North Charles Branch	344 N. Charles Street, Baltimore, MD 21201	View Lobby Hours
Bay Bank, Fsb	7151 Columbia Gateway Drive, Suite A, Columbia, MD 21046	View Lobby Hours
Towson Branch	1740 East Joppa Road, Baltimore, MD 21234	View Lobby Hours
Arbutus Branch	4600 Wilkens Ave, Suite 105, Baltimore, MD 21229	View Lobby Hours
Cockeysville Branch	10301 York Road, Cockeysville, MD 21030	View Lobby Hours
Reisterstown Road Branch	1726 Reisterstown Road, Suite 101, Baltimore, MD 21208	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 401822	0.000%	0.000% 0.00 points $0 fees	$0	Learn More
NMLS ID: 3030		points fees		Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Farmers Bank of Kansas City See Table	Intro APR 8.750 % After Intro: 8.750 %	$25,000	Learn More More Info
This is not a pre-approval or an offer of credit. This is an invitation to apply, and in order to qualify for a loan you must meet our credit and other requirements. Applicants are required to provide a current and valid completed application, proof of income, mortgage statement, property hazard insurance, and a photo ID. Approval is contingent upon a full application and is not guaranteed. We will not extend credit if we cannot verify that your credit profile, debt, income, identity, property value, home equity, and title meet our underwriting criteria. Loan terms, rates, and fees are subject to change. Rates and terms may vary and depend on credit score, CLTV (combined loan-to-value), property type, occupancy and loan terms. These results are for informational purposes only. Farmers Bank of Kansas City’s Home Equity Line of Credit (HELOC) has a 20-year repayment term. The first 10 years will be the Draw period with the interest rate based on the Prime Rate published by the Wall Street Journal plus a margin and allows for an interest only payment to be made during the draw period. If a balance is owed after the draw period concludes, the interest rate will become fixed for the remaining 10 years and will be based upon the Prime Rate published by the Wall Street Journal plus a margin. The HELOC interest rate will not go below 5% or higher than 18%. The minimum line amount offered is $25,000 and the maximum line amount offered is $350,000. The minimum draw amount required is $25,000 or half of the maximum line amount, whichever is greater. A HELOC requires you to pledge your home as collateral, and you could lose your home if you fail to repay. Offers, rates and fees are subject to change without notice. Repayment begins approximately 30 calendar days after funding. Farmers Bank of Kansas City also offers a fixed rate Home Equity Loan (HELOAN). Rates vary and depend on credit score, CLTV (combined loan-to-value), property type, occupancy and loan terms. Customized Rate Quote 24/7 Online Borrower Portal Streamlined Online Application Up to 100% LTV

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