Current Savings Rates and Annual Percentage Yields

Date of Last Rate and/or Yield Change -

Rates and yields are subject to change.

Rosedale Federal reserves the right to refuse any deposit or request for a savings account. We offer savings accounts to residents of the areas that our branches traditionally serve, which is the area east of Greenmount Avenue/York Road in Baltimore City and Baltimore County, and all of Harford County, in the State of Maryland. Please call us for today's rates and yields at (410) 668-4400.

I. The interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account daily. The interest rate for your account will never be less than .50%. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest is compounded daily and credited on the cycle day of each month. If you close your account before interest is credited, you will receive the accrued interest. We use the daily balance* method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

II. The interest rate and the annual percentage yield may change. At our discretion, we may change the interest rate on your account daily. The rate will never be less than .50%. You may issue up to three (3) checks of $500 or more and three (3) pre- authorized internal transfers of $100 or more per cycle period. Unlimited deposits and/or cash withdrawals may be made by mail or in person but only three (3) bank checks per cycle. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest is compounded daily and credited on the cycle day of each month. If you close your account before interest is credited, you will receive the accrued interest. We use the daily balance* method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.

III. The interest rate and the annual percentage yield may change. At our decretion, we may change the interest rate on your account monthly. The rate will never be less than .50%. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest is compounded daily and credited at the end of the month. If you close your account before interest is credited, you will receive the accrued interest. We use the daily balance* method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.You will be limited to three (3) bank check withdrawals per calendar month. This book must be presented for all withdrawals.

IV. The interest rate and the annual percentage yield may change. At our discretion, we may change the interest rate on your account monthly. The rate will never be less than .50%. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest is compounded daily and credited at the end of the month. If you close your account before interest is credited, you will receive the accrued interest. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Unlimited deposits and / or cash withdrawals may be made by mail or in person. No more than six automated or preauthorized transfers or withdrawals to a third party or the depositor, or a combination of such transfers and withdrawals, of which no more than three of the six such transfers may be made by check, draft, debit card, or similar order made by the depositor and payable to third parties can be made in a calendar month. This does not include ATM transactions.

V. The interest rate for your account will be paid until the maturity date of your certificate. Interest is compounded daily and will be credited to your account monthly. Interest begins to accrue on the business day you deposit noncash items (for example, checks). This account will automatically renew at maturity. You will have seven (7) calendar days from the maturity date to withdraw your funds without being charged a penalty.After the account is opened, you may not make deposits into or withdrawals from this account until the maturity date, except IRA certificates. We use the daily balance* method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. If any of the deposit is withdrawn before the maturity date, a penalty as shown below will be imposed. This book must be presented for all withdrawals.

* DAILY BALANCE is the amount of principal in the account each day. Annual Percentage Yield assumes interest remains on deposit. Withdrawal of interest will reduce earnings.
**Current rates will be quoted upon request or at the time of opening an account. Annual Percentage Yields shown above may be reduced by fees.
***Please note that one Interest Rate Adjustment (sometimes referred to as a "step-up" feature) will be permitted on the 20-month, 36-month, and 48-month Certificates.

Rosedale Federal reserves the right to refuse any deposit or request for a savings account. We offer savings accounts to Maryland residents only.

You can reach us by email at:
info@rosedalefederal.com