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Certificate Rates

Rosedale Federal offers a variety of CDs.

The table below is designed to help you compare CD types and terms and give you the information you need,
including applicable interest rates, to decide what works best for you.
 
Check out our Financial Education Center to learn more about saving for your future.  
All interest rates and APYs stated are accurate as of , and are subject to change without notice.


Term Minimum Deposit to Open Minimum Balance to Obtain Annual Percentage Yield Interest Rate APY
SPECIALS/PROMOTIONS*
13 Months
25 Months

$25,000
$25,000

$25,000
$25,000

2.956%
3.440%

3.00%
3.50%

*The promotional offer requires a $25,000 minimum opening deposit of new money. New money is described as funds not currently or previously held on deposit at Rosedale Federal within the last 30 days. Additional funds from existing Rosedale Federal deposits can be included once the new money opening deposit requirement is satisfied. A penalty may be imposed for early withdrawal. 13- and 25-Month CD will automatically renew at maturity into a 12-Month or 24-Month non-promotional CD, respectively, at the interest rate in effect at the time. Rosedale Federal reserves the right to cancel or modify this offer at any time.


Term Minimum Deposit to Open Minimum Balance to Obtain Annual Percentage Yield Interest Rate APY
6 Months $500 $500 0.260%
0.26%
12 Months $500 $500 1.980%
2.00%
13-17 Months
$10,000 $10,000 1.980% 2.00%
18 Months $500 $500 2.323% 2.35%
19-23 Months $10,000 $10,000 2.323% 2.35%
24 Months $500 $500 2.469%
2.50%
24 Months - Bump Up $10,000 $10,000 2.225% 2.25%
30 Months $500 $500 2.469% 2.50%
36 Months $500 $500 2.518% 2.55%
36 Months - Bump Up $10,000 $10,000 2.274% 2.30%
48 Months $500 $500 2.518% 2.55%
48 Months - Bump Up $10,000 $10,000 2.274% 2.30%
60 Months $500 $500 2.518% 2.55%
60 Months - Bump Up $10,000 $10,000 2.274% 2.30%

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A penalty may be imposed for early withdrawal. The penalty imposed will equal 90 days' interest for terms less than or equal to 12 months and 180 days' interest for terms greater than 12 months.
 
Bump-Up CDs are variable rate accounts. Interest rates and APY may change after the account is open due to a Bump-Up feature. Bump-Up CDs allow you to adjust the interest rate one time during the term of your certificate. 

The new interest rate paid will be the rate in effect for your term's Bump-Up CD on the date you exercise the option and will be paid until maturity.  Exercising the Bump-Up feature does not affect the term or maturity date of your certificate. 

Rosedale Federal offers deposit accounts to residents in the Maryland communities that our branches serve. Rosedale Federal reserves the right to decline a request for a deposit account or for a deposit.