In This Section

Rates & Fees

Current Loan Rates

Mortgage Loan Rates

Calculate your payment for any of our home loan products

Apply for a Mortgage Now!

Fees for appraisals and employment and income verifications for first mortgage applications are paid after receipt and signed acceptance of initial Truth-In-Lending and Good Faith Estimate disclosures. Loan applicants for Home Equity Loans and Home Equity Line of Credit do not pay appraisal or employment and income verification fees.  First mortgage commitments on purchases are made for settlement within three months. Refinance and second mortgage commitments are made for settlement within one month. For loans in excess of $500,000, please call for terms and conditions. We will consider applications primarily in our CRA Assessment Area which is the Baltimore –Towson MSA. Rates and terms listed below are subject to change without notice.

Fixed Interest Rates for Refinance and Purchase

Maximum Ratio for Purchase 97%**

Maximum Ratio for Refinance 97%** 


Adjustable Interest Rates for Purchase or Refinance

Maximum Ratio for Purchase 97%**

Maximum Ratio for Refinance 97%**


First Time Home Buyer Program

Maximum Ratio 97%


Construction/Permanent Rates

Maximum Ratio 80%


Individual Developed Lot Rates

Maximum Ratio 75%


Home Equity Loans

Maximum Ratio 80% & includes first mortgage balance

+ This example does not include amounts for taxes and insurance premiums, if applicable. APR is an estimate and may be more or less with applicable fees to the loan. Closing costs apply.


Home Equity Lines of Credit

Maximum Ratio 80%

** LTV's (Loan to Value) in excess of 80% require private mortgage insurance (PMI) at an additional monthly premium to the borrower.

***Rates on these loans are variable and may change monthly. The APR (Annual Percentage Rate) is the same as the Rate which is equal to Prime Rate currently at 3.25%. Prime rate is the Prime Rate published in the Wall Street Journal on the third Wednesday of the previous month.

Fees/costs are one percent (1%) of the credit limit or $250, whichever is greater. Rates and terms may vary. Subject to credit approval. Adequate property insurance is required. Consult your tax advisor regarding interest deductibility.

+ This example does not include amounts for taxes and insurance premiums, if applicable. APR is an estimate and may be more or less with applicable fees to the loan. Closing costs apply.



CONSUMER LOAN RATES


Home Improvement Loans****

****Loan must be to homeowner on owner-occupied property.


Personal Loans*****

*****Personal Loans to Rosedale Federal customers only; minimum three month relationship required.


Automobile Loans******


Boat Loans******

******Dealer sales only.

In This Section

  • 9616 Belair Road
    Baltimore, MD 21236
    (410) 668-4400
  • FDIC
  • Equal Housing Lender