Young couple taking a break from painting a room


Today's HELOC Rates

Rosedale Federal offers a variety of home-related loan products. Our Residential Lending Production Team is here to guide you through the process step by step. Please call (410) 668-4400 ext. 103 or email us to learn more about our mortgage loan options and get a personalized rate and APR quote.

All rates and APRs are current as of at 11:00 a.m., are for illustrative purposes only, and are subject to change at any time without notice until you have locked a loan. Your actual rate, APR, and payment will vary, and could be higher, based on your specific financial situation, credit score, property appraisal, and other factors. This is not a credit decision or a commitment to lend and you must apply and submit additional financial information for review and credit approval.

Contact Us            Apply Now            Check My Status

Product Term Rate Points
Home Equity Line of Credit (HELOC) 10-year Draw/20-year Repay

Assumptions and Important Disclosures
Home Equity Line of Credit (HELOC) rates, terms, and conditions are subject to credit and property approval and may change without notice. Additional terms and conditions may apply. Eligible properties include first or second lien position owner-occupied 1-to-4-family properties and condominiums. Adequate property insurance is required, and flood insurance is required where necessary.  

Variable Annual Percentage rate (APR) is based on the U.S. Prime Rate as published in the “Money Rates” table on the third Wednesday of the month in The Wall Street Journal. For loan-to-value (LTV) of 80% or less, the applicable APR is equal to the Prime Rate, currently 8.50%. For LTVs more than 80%, the applicable APR is equal to the Prime Rate plus a margin of 1.5%, currently 10.00%. The maximum APR that can apply is 18.00% and the minimum APR that can apply is 3.00%.

To open an account, certain fees paid to third parties (closing fees) will be paid by us. If account is closed by you within 2 years of opening, you will be required to repay all closing fees. These fees generally total between $0.00 and $2,273.00 based on a maximum loan amount of $250,000.00. Upon request, we will provide you with an itemization of these closing costs. While there are no application, annual, or closing fees, late fees and returned payment fees may be charged as applicable. 

savings concept