What are the current interest rates at First Shore Federal S&L?

Current rates for First Shore Federal S&L include: 12-Month CD: 2.00%, 18-Month CD: 3.00%, 24-Month CD: 3.75%, 36-Month CD: 4.25%, 48-Month CD: 3.75%, 60-Month CD: 3.50%, MMA: 0.50%

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First Shore Federal S&L Rates & Review November 2026

Q: What CD terms does First Shore Federal S&L offer?

First Shore Federal S&L CD rates are 3.75% APY for a 12 month CD, 3.00% APY for an 18 month CD, 4.00% APY for a 2 year CD, 4.25% APY for a 3 year CD, 3.75% APY for a 4 year CD and 3.75% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with First Shore Federal S&L for its full lineup.

Q: How many branches does First Shore Federal S&L operate?

First Shore Federal S&L currently maintains approximately 7 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Shore Federal S&L provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 5, 2026

First Shore Federal S&L's Regular CD - 36-Month rates are at 4.25%, Regular CD - 24-Month rates are at 4.00%, Regular CD - 12-Month rates are at 3.75%, Regular CD - 48-Month rates are at 3.75%, Regular CD - 60-Month rates are at 3.75%. First Shore Federal S&L's money market rates are at 0.50%. First Shore Federal S&L's Unimproved Lots - 5/1 Yr. ARM rates are at 6.75%, Unimproved Lots - 3 Yr. ARM rates are at 6.50%, Unimproved Lots - 1 Yr. ARM rates are at 6.25%, Residential Investment Properties - 1 Yr. ARM rates are at 7.00%, Double Wide Investment Properties + Land - 1 Yr. ARM rates are at 8.00%. First Shore Federal S&L's top CD rate of 4.25% APY on a 3 year CD is 50% higher than the MonitorBankRates national average of 2.84% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of First Shore Federal S&L with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.97%. Rates last updated and verified on 11/05/2026.

First Shore Federal S&L money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First Shore Federal S&L? Share your experience about First Shore Federal S&L by leaving a review below, or read customer reviews before you decide to use First Shore Federal S&L.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.97%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

First Shore Federal S&L

106 S Division St
Salisbury, MD 21801

https://www.firstshorefederal.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

First Shore Federal S&L CD Rates

Product	Rate	APY	Term	Min. Deposit
Regular CD - 36-month	4.18%	4.25%	36 Months	$500
Min Deposit $500 Details Minimum to open IRAs: $250; APY based upon funds on deposit for one year at this rate; penalty may be imposed for early withdrawal Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50% Oct 20, 20264.25%▲ from 3.50% Oct 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
Regular CD - 24-month	3.94%	4.00%	24 Months	$500
Min Deposit $500 Details Minimum to open IRAs: $250; APY based upon funds on deposit for one year at this rate; penalty may be imposed for early withdrawal Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50% Oct 20, 20264.00%▲ from 3.50% Oct 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
Regular CD - 12-month	3.70%	3.75%	12 Months	$500
Min Deposit $500 Details Minimum to open IRAs: $250; APY based upon funds on deposit for one year at this rate; penalty may be imposed for early withdrawal Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25% Oct 20, 20263.75%▲ from 3.25% Oct 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
Regular CD - 48-month	3.70%	3.75%	48 Months	$500
Min Deposit $500 Details Minimum to open IRAs: $250; APY based upon funds on deposit for one year at this rate; penalty may be imposed for early withdrawal Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 2.75% → 3.75% ▲ 1.00 pts · high 3.75% / low 2.75% Oct 20, 20263.75%▲ from 2.75% Oct 14, 20262.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
Regular CD - 60-month	3.70%	3.75%	60 Months	$500
Min Deposit $500 Details Minimum to open IRAs: $250; APY based upon funds on deposit for one year at this rate; penalty may be imposed for early withdrawal Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 3.00% → 3.75% ▲ 0.75 pts · high 3.75% / low 3.00% Oct 20, 20263.75%▲ from 3.00% Oct 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
Rising Rate (CDs + IRAs) - 24-month	3.70%	3.75%	24 Months	$10,000
Min Deposit $10,000 Details Minimum to open for IRAs: $10,000.00 Last Updated 11/05/2026 Rate History 1 change since Sep 19, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25% Oct 20, 20263.75%▲ from 3.25% Sep 19, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
Rising Rate (CDs + IRAs) - 60-month	3.46%	3.50%	60 Months	$500
Min Deposit $500 Details Minimum to open for IRAs: $250 Last Updated 11/05/2026 Rate History 1 change since Sep 19, 2026 · 2.50% → 3.50% ▲ 1.00 pts · high 3.50% / low 2.50% Oct 20, 20263.50%▲ from 2.50% Sep 19, 20262.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
Regular CD - 18-month	3.21%	3.25%	18 Months	$500
Min Deposit $500 Details Minimum to open IRAs: $250; APY based upon funds on deposit for one year at this rate; penalty may be imposed for early withdrawal Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
Regular CD - 6-month	2.97%	3.00%	6 Months	$500
Min Deposit $500 Details Minimum to open IRAs: $250; APY based upon funds on deposit for one year at this rate; penalty may be imposed for early withdrawal Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
Rising Rate (CDs + IRAs) - 18-month	2.97%	3.00%	18 Months	$500
Min Deposit $500 Details Minimum to open for IRAs: $250 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 3.00% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
Add To CD - 12-month	2.00%	2.00%	12 Months	$200
Min Deposit $200 Details Additional deposits may be made anytime during your Add-To CD; Minimum to Open for IRAs: N/A Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 2.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
Freedom CD - 10-month	1.99%	2.00%	10 Months	$500
Min Deposit $500 Details IRA minimum to open: $250; One-time penalty-free withdrawal may be made during the term; Penalty may be imposed for additional early withdrawals Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 2.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
Regular CD - 3-month	1.99%	2.00%	3 Months	$500
Min Deposit $500 Details Minimum to open IRAs: $250; APY based upon funds on deposit for one year at this rate; penalty may be imposed for early withdrawal Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 2.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%

First Shore Federal S&L Savings Rates

Product	Rate	APY	View More
Christmas Club	0.50%	0.50%
Min Balance $100 Details Term: Club Year/Annual Compounding; Minimum to earn interest: $100.00 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%

First Shore Federal S&L Money Market Rates

Product	Rate	APY
Gold Money Market	0.50%	0.50%
Min Balance $25,000 Details Term: No Term/Monthly Compounding; Minimum to earn interest: $25,000.00 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
Gold Money Market	0.50%	0.50%
Min Balance $2,500 Details Term: No Term/Monthly Compounding; Minimum to earn interest: $2,500.00 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
Money Market	0.50%	0.50%
Min Balance $2,500 Details Term: No Term/Monthly Compounding; Minimum to earn interest: $2,500.00 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%

First Shore Federal S&L Mortgage Rates

Product	Rate	Points	APR	Term
Unimproved Lots - 5/1 Yr. ARM	6.75%	-	7.451%	20 years
Details Max. Term 20 Yrs.; Maximum Loan-To-Value for Buildable Lot Loans = 75%; Payment per $1,000: $7.60; ARM rate may increase after consummation Last Updated 11/05/2026 Rate History 2 changes since Oct 14, 2026 · 7.47% → 7.45% ▼ 0.02 pts · high 7.47% / low 7.45% Nov 5, 20267.45%▼ from 7.46% Oct 20, 20267.46%▼ from 7.47% Oct 14, 20267.47%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
Unimproved Lots - 3 Yr. ARM	6.50%	-	7.734%	20 years
Details Max. Term 20 Yrs.; Maximum Loan-To-Value for Buildable Lot Loans = 75%; Payment per $1,000: $7.46; ARM rate may increase after consummation Last Updated 11/05/2026 Rate History 2 changes since Oct 14, 2026 · 7.84% → 7.73% ▼ 0.10 pts · high 7.84% / low 7.73% Nov 5, 20267.73%▼ from 7.83% Oct 20, 20267.83%▼ from 7.84% Oct 14, 20267.84%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
Unimproved Lots - 1 Yr. ARM	6.25%	-	7.758%	20 years
Details Max. Term 20 Yrs.; Maximum Loan-To-Value for Buildable Lot Loans = 75%; Payment per $1,000: $7.31; ARM rate may increase after consummation Last Updated 11/05/2026 Rate History 2 changes since Oct 14, 2026 · 7.79% → 7.76% ▼ 0.04 pts · high 7.79% / low 7.76% Nov 5, 20267.76%▼ from 7.77% Oct 20, 20267.77%▼ from 7.79% Oct 14, 20267.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
Residential Investment Properties - 1 Yr. ARM	7.00%	-	7.817%	30 years
Details Lower Eastern Shore of Maryland, Lower Delaware, and Accomack County, Virginia; Maximum Loan-To-Value for Residential Investment Properties = 80% Last Updated 11/05/2026 Rate History 2 changes since Oct 14, 2026 · 7.85% → 7.82% ▼ 0.04 pts · high 7.85% / low 7.82% Nov 5, 20267.82%▼ from 7.83% Oct 20, 20267.83%▼ from 7.85% Oct 14, 20267.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
Double Wide Investment Properties + Land - 1 Yr. ARM	8.00%	-	7.918%	30 years
Details Max. Term: 30 Yrs.; Payment per $1,000.00: $7.34; Maximum Loan-To-Value for Residential Investment Properties = 80%; Rates & APR effective as of October 30, 2026; 1 Yr. ARM subject to rate increases after consummation Last Updated 11/05/2026 Rate History 2 changes since Oct 14, 2026 · 7.95% → 7.92% ▼ 0.04 pts · high 7.95% / low 7.92% Nov 5, 20267.92%▼ from 7.93% Oct 20, 20267.93%▼ from 7.95% Oct 14, 20267.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
Residential Investment Properties - 3 Yr. ARM	7.50%	-	8.059%	30 years
Details Lower Eastern Shore of Maryland, Lower Delaware, and Accomack County, Virginia; Maximum Loan-To-Value for Residential Investment Properties = 80% Last Updated 11/05/2026 Rate History 2 changes since Oct 14, 2026 · 8.18% → 8.06% ▼ 0.12 pts · high 8.18% / low 8.06% Nov 5, 20268.06%▼ from 8.16% Oct 20, 20268.16%▼ from 8.18% Oct 14, 20268.18%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
Double Wide Investment Properties + Land - 3 Yr. ARM	8.50%	-	8.343%	30 years
Details Max. Term: 30 Yrs.; Payment per $1,000.00: $7.69; Maximum Loan-To-Value for Residential Investment Properties = 80%; Rates & APR effective as of October 30, 2026; 3 Yr. ARM subject to rate increases after consummation Last Updated 11/05/2026 Rate History 2 changes since Oct 14, 2026 · 8.46% → 8.34% ▼ 0.12 pts · high 8.46% / low 8.34% Nov 5, 20268.34%▼ from 8.45% Oct 20, 20268.45%▼ from 8.46% Oct 14, 20268.46%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%

First Shore Federal S&L Home Equity & HELOC

Product	Rate	Points	APR	Term
First Lien Home Equity Loan - Fixed Rate	6.25%	-	6.303%	5 years
Details First Lien; Primary/Secondary Residence; Maximum Loan-to-Value: 80%; Rates & APR effective as of October 1, 2026 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 6.30% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
First Lien Home Equity Loan - Fixed Rate	6.50%	-	6.528%	10 years
Details First Lien; Primary/Secondary Residence; Maximum Loan-to-Value: 80%; Rates & APR effective as of October 1, 2026 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 6.53% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
Home Equity Loan - Second Lien Fixed Rate	6.50%	-	6.553%	5 years
Details Max. Term: 5 Yrs.; Primary/Secondary Residence; Maximum Loan-to-Value: 80%; Rates & APR effective as of October 1, 2026; Lower Eastern Shore of Maryland, Lower Delaware, and Accomack County, Virginia Last Updated 11/05/2026 Rate History 1 change since Sep 19, 2026 · 6.30% → 6.55% ▲ 0.25 pts · high 6.55% / low 6.30% Oct 20, 20266.55%▲ from 6.30% Sep 19, 20266.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
First Lien Home Equity Loan - Fixed Rate	6.75%	-	6.77%	15 years
Details First Lien; Primary/Secondary Residence; Maximum Loan-to-Value: 80%; Rates & APR effective as of October 1, 2026 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 6.77% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
Home Equity Loan - Second Lien Fixed Rate	6.75%	-	6.778%	10 years
Details Max. Term: 10 Yrs.; Primary/Secondary Residence; Maximum Loan-to-Value: 80%; Rates & APR effective as of October 1, 2026; Lower Eastern Shore of Maryland, Lower Delaware, and Accomack County, Virginia Last Updated 11/05/2026 Rate History 1 change since Sep 19, 2026 · 6.53% → 6.78% ▲ 0.25 pts · high 6.78% / low 6.53% Oct 20, 20266.78%▲ from 6.53% Sep 19, 20266.53%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
Home Equity Loan - Second Lien Fixed Rate	7.00%	-	7.02%	15 years
Details Max. Term: 15 Yrs.; Primary/Secondary Residence; Maximum Loan-to-Value: 80%; Rates & APR effective as of October 1, 2026; Lower Eastern Shore of Maryland, Lower Delaware, and Accomack County, Virginia Last Updated 11/05/2026 Rate History 1 change since Sep 19, 2026 · 6.77% → 7.02% ▲ 0.25 pts · high 7.02% / low 6.77% Oct 20, 20267.02%▲ from 6.77% Sep 19, 20266.77%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%

First Shore Federal S&L Other Rates

Product	Rate	Points	APY/APR	Term
10/1 Yr. ARM - Single Wide Primary/Secondary Homes + Land	7.50%	-	7.783%	15 years
Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 7.78% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
10/1 Yr. ARM - Single Wide Primary/Secondary Homes + Land	7.75%	-	7.823%	25 years
Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 7.82% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
Double Wide Primary/Secondary Homes + Land - 10/1 Yr. ARM	6.50%	-	6.861%	15 years
Details Adjustable Rate Mortgage; rate may increase after loan consummation; Maximum Loan-To-Value for Primary/Secondary Residence = 90% Last Updated 11/05/2026 Rate History 2 changes since Oct 14, 2026 · 6.41% → 6.86% ▲ 0.46 pts · high 6.86% / low 6.41% Nov 5, 20266.86%▼ from 6.86% Oct 20, 20266.86%▲ from 6.41% Oct 14, 20266.41%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
Double Wide Primary/Secondary Homes + Land - 10/1 Yr. ARM	6.75%	-	7.08%	30 years
Details Adjustable Rate Mortgage; rate may increase after loan consummation; Maximum Loan-To-Value for Primary/Secondary Residence = 90% Last Updated 11/05/2026 Rate History 2 changes since Oct 14, 2026 · 6.93% → 7.08% ▲ 0.16 pts · high 7.08% / low 6.93% Nov 5, 20267.08%▼ from 7.08% Oct 20, 20267.08%▲ from 6.93% Oct 14, 20266.93%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
Double Wide Primary/Secondary Homes + Land - Fixed Rate	6.50%	-	6.923%	10 years
Details Maximum Loan-To-Value for Primary/Secondary Residence = 90% Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 6.42% → 6.92% ▲ 0.50 pts · high 6.92% / low 6.42% Oct 20, 20266.92%▲ from 6.42% Oct 14, 20266.42%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
Double Wide Primary/Secondary Homes + Land - Fixed Rate	6.75%	-	7.053%	15 years
Details Maximum Loan-To-Value for Primary/Secondary Residence = 90% Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 6.55% → 7.05% ▲ 0.50 pts · high 7.05% / low 6.55% Oct 20, 20267.05%▲ from 6.55% Oct 14, 20266.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
Double Wide Primary/Secondary Homes + Land - Fixed Rate	7.00%	-	7.245%	20 years
Details Maximum Loan-To-Value for Primary/Secondary Residence = 90% Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 6.99% → 7.25% ▲ 0.25 pts · high 7.25% / low 6.99% Oct 20, 20267.25%▲ from 6.99% Oct 14, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
Double Wide Primary/Secondary Homes + Land - Fixed Rate	7.25%	-	7.441%	30 years
Details Maximum Loan-To-Value for Primary/Secondary Residence = 90% Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 7.19% → 7.44% ▲ 0.25 pts · high 7.44% / low 7.19% Oct 20, 20267.44%▲ from 7.19% Oct 14, 20267.19%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
Fixed Rate - Single Wide Primary/Secondary Homes + Land	7.50%	-	7.931%	10 years
Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 7.93% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
Fixed Rate - Single Wide Primary/Secondary Homes + Land	7.75%	-	8.062%	15 years
Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 8.06% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
Fixed Rate - Single Wide Primary/Secondary Homes + Land	8.00%	-	8.255%	20 years
Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 8.26% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
Fixed Rate - Single Wide Primary/Secondary Homes + Land	8.00%	-	8.221%	25 years
Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 8.22% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
New Homes - Fixed Rate 15 Yr 10% Down	7.75%	-	7.861%	15 years
Details Down Payment: 10%; Max. Term: 15 Yrs.; Payment per $1,000.00: $9.41 Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 7.86% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
New Homes - Fixed Rate 15 Yr 20% Down	7.25%	-	7.36%	15 years
Details Down Payment: 20%; Max. Term: 15 Yrs.; Payment per $1,000.00: $9.13 Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 7.36% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
New Homes - Fixed Rate 15 Yr 30% Down	6.75%	-	6.858%	15 years
Details Down Payment: 30%; Max. Term: 15 Yrs.; Payment per $1,000.00: $8.85 Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 6.86% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
New Homes - Fixed Rate 20 Yr 10% Down	8.00%	-	8.091%	20 years
Details Down Payment: 10%; Max. Term: 20 Yrs.; Payment per $1,000.00: $8.36 Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 8.09% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
New Homes - Fixed Rate 20 Yr 20% Down	7.50%	-	7.589%	20 years
Details Down Payment: 20%; Max. Term: 20 Yrs.; Payment per $1,000.00: $8.06 Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 7.59% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
New Homes - Fixed Rate 20 Yr 30% Down	7.00%	-	7.088%	20 years
Details Down Payment: 30%; Max. Term: 20 Yrs.; Payment per $1,000.00: $7.75 Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 7.09% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
New Homes - Fixed Rate 25 Yr 10% Down	8.50%	-	8.581%	25 years
Details Down Payment: 10%; Max. Term: 25 Yrs.; Payment per $1,000.00: $8.05 Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 8.58% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
New Homes - Fixed Rate 25 Yr 20% Down	8.00%	-	8.079%	25 years
Details Down Payment: 20%; Max. Term: 25 Yrs.; Payment per $1,000.00: $7.72 Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 8.08% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
New Homes - Fixed Rate 25 Yr 30% Down	7.75%	-	7.828%	25 years
Details Down Payment: 30%; Max. Term: 25 Yrs.; Payment per $1,000.00: $7.55 Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 7.83% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
Primary/Secondary Homes - 1 Yr. ARM	5.75%	-	7.24%	30 years
Details Maximum Term: 30 years; Maximum Loan-to-Value for Primary Residence and Second Homes = 90%; Adjustable rate may increase after consummation Last Updated 11/05/2026 Rate History 2 changes since Oct 14, 2026 · 7.28% → 7.24% ▼ 0.04 pts · high 7.28% / low 7.24% Nov 5, 20267.24%▼ from 7.25% Oct 20, 20267.25%▼ from 7.28% Oct 14, 20267.28%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
Primary/Secondary Homes - 10/1 Yr. ARM	6.00%	-	6.402%	15 years
Details Maximum Term: 15 years; Maximum Loan-to-Value for Primary Residence and Second Homes = 90%; Adjustable rate may increase after consummation Last Updated 11/05/2026 Rate History 2 changes since Oct 14, 2026 · 6.18% → 6.40% ▲ 0.22 pts · high 6.40% / low 6.18% Nov 5, 20266.40%▼ from 6.40% Oct 20, 20266.40%▲ from 6.18% Oct 14, 20266.18%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
Primary/Secondary Homes - 10/1 Yr. ARM	6.25%	-	6.746%	30 years
Details Maximum Term: 30 years; Maximum Loan-to-Value for Primary Residence and Second Homes = 90%; Adjustable rate may increase after consummation Last Updated 11/05/2026 Rate History 2 changes since Oct 14, 2026 · 6.59% → 6.75% ▲ 0.15 pts · high 6.75% / low 6.59% Nov 5, 20266.75%▼ from 6.75% Oct 20, 20266.75%▲ from 6.59% Oct 14, 20266.59%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
Primary/Secondary Homes - 3 Yr. ARM	5.75%	-	7.223%	30 years
Details Maximum Term: 30 years; Maximum Loan-to-Value for Primary Residence and Second Homes = 90%; Adjustable rate may increase after consummation Last Updated 11/05/2026 Rate History 2 changes since Oct 14, 2026 · 7.34% → 7.22% ▼ 0.12 pts · high 7.34% / low 7.22% Nov 5, 20267.22%▼ from 7.32% Oct 20, 20267.32%▼ from 7.34% Oct 14, 20267.34%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
Primary/Secondary Homes - 5/1 Yr. ARM	6.00%	-	6.894%	30 years
Details Maximum Term: 30 years; Maximum Loan-to-Value for Primary Residence and Second Homes = 90%; Adjustable rate may increase after consummation Last Updated 11/05/2026 Rate History 2 changes since Oct 14, 2026 · 6.72% → 6.89% ▲ 0.17 pts · high 6.90% / low 6.72% Nov 5, 20266.89%▼ from 6.90% Oct 20, 20266.90%▲ from 6.72% Oct 14, 20266.72%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
Primary/Secondary Homes - Fixed Rate	6.00%	-	6.419%	10 years
Details Maximum Term: 10 years; Maximum Loan-to-Value for Primary Residence and Second Homes = 90% Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 5.92% → 6.42% ▲ 0.50 pts · high 6.42% / low 5.92% Oct 20, 20266.42%▲ from 5.92% Oct 14, 20265.92%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
Primary/Secondary Homes - Fixed Rate	6.25%	-	6.548%	15 years
Details Maximum Term: 15 years; Maximum Loan-to-Value for Primary Residence and Second Homes = 90% Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 6.04% → 6.55% ▲ 0.50 pts · high 6.55% / low 6.04% Oct 20, 20266.55%▲ from 6.04% Oct 14, 20266.04%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
Primary/Secondary Homes - Fixed Rate	6.50%	-	6.74%	20 years
Details Maximum Term: 20 years; Maximum Loan-to-Value for Primary Residence and Second Homes = 90% Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 6.49% → 6.74% ▲ 0.25 pts · high 6.74% / low 6.49% Oct 20, 20266.74%▲ from 6.49% Oct 14, 20266.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
Primary/Secondary Homes - Fixed Rate	6.75%	-	6.935%	30 years
Details Maximum Term: 30 years; Maximum Loan-to-Value for Primary Residence and Second Homes = 90% Last Updated 11/05/2026 Rate History 1 change since Oct 14, 2026 · 6.68% → 6.94% ▲ 0.25 pts · high 6.94% / low 6.68% Oct 20, 20266.94%▲ from 6.68% Oct 14, 20266.68%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
Used Homes - Fixed Rate	8.00%	-	8.156%	10 years
Details Down Payment: 10%; Used Homes 1-30 Years Old Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 8.16% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
Used Homes - Fixed Rate	7.50%	-	7.654%	10 years
Details Down Payment: 20%; Used Homes 1-30 Years Old Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 7.65% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
Used Homes - Fixed Rate	6.75%	-	6.902%	10 years
Details Down Payment: 30%; Used Homes 1-30 Years Old Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 6.90% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
Used Homes - Fixed Rate	8.25%	-	8.363%	15 years
Details Down Payment: 10%; Used Homes 1-30 Years Old Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 8.36% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
Used Homes - Fixed Rate	7.75%	-	7.861%	15 years
Details Down Payment: 20%; Used Homes 1-30 Years Old Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 7.86% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
Used Homes - Fixed Rate	7.25%	-	7.36%	15 years
Details Down Payment: 30%; Used Homes 1-30 Years Old Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 7.36% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
Used Homes - Fixed Rate	8.50%	-	8.593%	20 years
Details Down Payment: 10%; Used Homes 1-30 Years Old Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 8.59% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
Used Homes - Fixed Rate	8.25%	-	8.342%	20 years
Details Down Payment: 20%; Used Homes 1-30 Years Old Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 8.34% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%
Used Homes - Fixed Rate	7.50%	-	7.589%	20 years
Details Down Payment: 30%; Used Homes 1-30 Years Old Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 7.59% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.97%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

First Shore Federal S&L’s Texas Ratio rose from 2.67% in Q3 2023 to 3.97% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$367M	3.97%	5.0	A+
March 31, 2026	$362M	2.56%	5.0	A+
December 31, 2025	$359M	2.26%	5.0	A+
September 30, 2025	$362M	2.52%	5.0	A+
June 30, 2025	$366M	1.83%	5.0	A+
March 31, 2025	$370M	1.85%	5.0	A+
December 31, 2024	$367M	1.78%	5.0	A+
September 30, 2024	$361M	1.84%	5.0	A+
June 30, 2024	$359M	1.14%	5.0	A+
March 31, 2024	$358M	1.15%	5.0	A+
December 31, 2023	$346M	1.57%	5.0	A+
September 30, 2023	$337M	2.67%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for First Shore Federal S&L is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather First Shore Federal S&L rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with First Shore Federal S&L's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name First Shore Federal S&L

Website https://www.firstshorefederal.com

Address 106 S Division St, Salisbury, MD 21801 · Wicomico

FDIC Certificate # 30680

Regulator OCC

Established December 18, 1953

FDIC Insurance Date August 9, 1989

Domestic Offices 7

Total Branches 7

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.97%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

0.7733%

Return on Equity (ROE)

4.5500%

Non-Performing Loans Ratio (NPL)

0.64%

Total Assets

$366,549,000

Total Deposits

$303,363,000

Equity Capital

$62,257,000

Net Income

$1,401,000

Headquarters

Salisbury

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

First Shore Federal S&L earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
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       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About First Shore Federal S&L

Does First Shore Federal S&L offer CDs?

Yes. First Shore Federal S&L current CD rates include its Regular CD - 36-Month at 4.25% APY, its Regular CD - 24-Month at 4.00% APY and its Regular CD - 12-Month at 3.75% APY, verified by MonitorBankRates as of November 5, 2026.

Are CDs from First Shore Federal S&L FDIC insured?

Yes. First Shore Federal S&L is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at First Shore Federal S&L?

The highest First Shore Federal S&L CD rate is its Regular CD - 36-Month at 4.25% APY, verified by MonitorBankRates as of November 5, 2026.

What CD terms does First Shore Federal S&L offer?

First Shore Federal S&L CD rates are 3.75% APY for a 12 month CD, 3.00% APY for an 18 month CD, 4.00% APY for a 2 year CD, 4.25% APY for a 3 year CD, 3.75% APY for a 4 year CD and 3.75% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with First Shore Federal S&L for its full lineup.

What is the highest money market rate at First Shore Federal S&L?

The highest First Shore Federal S&L money market rate is its Gold Money Market at 0.50% APY, verified by MonitorBankRates as of November 5, 2026.

What is the lowest mortgage rate at First Shore Federal S&L?

The lowest First Shore Federal S&L mortgage rate is its Unimproved Lots - 1 Yr. ARM at 6.25%, verified by MonitorBankRates as of November 5, 2026. First Shore Federal S&L mortgage rates are 6.50% for a 3 year mortgage and 6.25% for a 1 year mortgage.

How many branches does First Shore Federal S&L operate?

First Shore Federal S&L currently maintains approximately 7 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, First Shore Federal S&L does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Shore Federal S&L provides members with tools to manage their accounts and build a solid financial history.

Does First Shore Federal S&L offer online and mobile banking?

Most modern institutions like First Shore Federal S&L provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.firstshorefederal.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do First Shore Federal S&L rates compare?

First Shore Federal S&L's top CD rate of 4.25% APY on a 3 year CD is 50% higher than the MonitorBankRates national average of 2.84% APY for that term, and it has an A+ health rating. First Shore Federal S&L's top rates are its 36-Months Regular CD - 36-Month at 4.25% APY, its Gold Money Market at 0.50% APY and its Unimproved Lots - 1 Yr. ARM at 6.25%, verified by MonitorBankRates on November 5, 2026.

Current First Shore Federal S&L Rates

12-Month CD2.00%
18-Month CD3.00%
24-Month CD3.75%
36-Month CD4.25%
48-Month CD3.75%
60-Month CD3.50%
MMA0.50%

Retrieved from our database of financial products. Rates subject to change.

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First Shore Federal S&L Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

First Shore Federal S&L Texas Ratio

First Shore Federal S&L Health Trend

First Shore Federal S&L CD Rates

First Shore Federal S&L Savings Rates

First Shore Federal S&L Money Market Rates

First Shore Federal S&L Mortgage Rates

First Shore Federal S&L Home Equity & HELOC

First Shore Federal S&L Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

First Shore Federal S&L earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About First Shore Federal S&L

Does First Shore Federal S&L offer CDs?

Are CDs from First Shore Federal S&L FDIC insured?

What is the highest CD rate at First Shore Federal S&L?

What CD terms does First Shore Federal S&L offer?

What is the highest money market rate at First Shore Federal S&L?

What is the lowest mortgage rate at First Shore Federal S&L?

How many branches does First Shore Federal S&L operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does First Shore Federal S&L offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do First Shore Federal S&L rates compare?

Current First Shore Federal S&L Rates

Compare to Other Banks