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Loans & Lines of Credit*

Frederick County Bank Mortgage Loan Originators are registered with the Nationwide Mortgage Licensing System and Registry in accordance with the SAFE Act. For information on the registration process visit or

A Full Range of Loan Options with Competitive Rates

We are pleased to offer a wide selection of loan products with flexible terms and competitive interest rates. Our friendly, knowledgeable bankers are ready to assist you in selecting the best options to help you achieve your financial goals. Stop into your local FCB bank center or call us at 301-620-1400 and we'll be happy to share today's interest rates and terms.

Home Equity

Put your home to work for you! Use the existing equity in your primary residence to establish a Home Equity Fixed Rate loan or Home Equity Line of Credit.  And the interest may be tax-deductible, so check with your tax advisor. For current rate and term information, please contact FCB at 301-620-1400. Let's discuss your possibilities!

Home Equity Line of Credit

If you have equity in your home, FCB's Equity One HELOC is an ideal way to pay for home improvements, consolidate debt or reduce your mortgage principal balance. It's a revolving line of credit in which you pay interest only on the amount you borrow. We offer competitive rates and there are no closing costs** to open a HELOC or to refinance an existing mortgage loan. Your mortgage and line of credit are rolled into one convenient payment and you'll enjoy these benefits as well:

Home Equity Fixed Rate Loan

  1. Borrow the amount you need
  2. Know exactly what the future holds with a fixed interest rate and term of the loan
  3. Receive a discounted rate when you enroll in automatic payments from your FCB checking or savings account


If you're ready to purchase a home, refinance the one you live in or even construct a new one,we're ready to help with a full array of mortgage loans to fit your individual needs.

You'll find we offer highly competitive rates on:

Talk to one of our associates for details or complete an ONLINE APPLICATION to begin the qualifying process.

Installment Loans

Frederick County Bank offers secured and unsecured simple-interest loans for a variety of purposes. If you'd like current rate and term information, please contact us at 301-620-1400 and we'll be happy to help.

Vehicle Loans

Unsecured Loans

Lines of Credit

As a Frederick County Bank customer, you may be eligible for an unsecured personal revolving line of credit tied to your checking account through FCB's Ready Reserve program. You may use the line of credit for automated overdraft protection or as a check-activated line of credit when you need extra cash.

*All FCB loan products are subject to underwriting and credit approval. There is no prepayment penalty for consumer loans and lines of credit.
**FCB postpones the closing costs provided the credit limit does not exceed $100,000. If the line is closed within three years of settlement, the customer must reimburse FCB for closing costs. The customer must also agree to a one-time payment of the recordation tax at settlement.

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

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