First Shore Federal was formed in 1953 by a group of prominent community leaders with a mission to be a reliable source of competitively priced loans and federally insured savings for local customers. 

Over the years, that focus has continued to evolve to include additional deposit and lending services for our residents and also for our small businesses.

Headquartered in Salisbury, with seven branch locations across Lower Delmarva, First Shore Federal recently celebrated its 70th year of service. 

2024 has led to an increase in interest rates for many homebuyers. First Shore Federal continues to offer products such as fixed and adjustable-rate loans for lots, construction and first or second home purchases. Our customer service team remains committed to finding the best mortgage to fit your budget. We don’t price our loans based on credit score but instead offer competitive rates to everyone. We believe that being fair to everyone benefits our local community. 

In addition, when you borrow from First Shore Federal, your loan stays here, we don’t sell your loan to another lender. So, when you have a question, call or stop in and we are always here to help.

For those not looking to buy, many homeowners are in need of home renovations and a home equity loan or line of credit offers payment flexibility and access to the equity earned from being in their home for many years. 

First Shore Federal continues to be a leading corporate citizen, supporting numerous community activities throughout the Lower Shore, and building on its record of outstanding community reinvestment for which it has been repeatedly recognized by regulatory authorities, business, and community groups. 

These factors combined to again earn the association a 5-star rating from Bauer Financial Services, a leading national financial analyst. 

Whether you need a lending or deposit service, please stop by one of our branches to find out why local, committed customer service makes the difference in your banking experience.