Happy senior couple enjoying a cup of coffee

Qualified Accounts Rates

Planning and saving for the future is smart, and Rosedale Federal can help.
We offer CDs for qualified accounts for retirement and for education. Use the chart below to compare the rates of traditional and Roth IRAs, and to see the CD options for Coverdell education savings accounts.

Check out our Financial Education Center to learn more about saving for your future.
All interest rates and APYs stated are accurate as of ,

Minimum Deposit to Open Minimum Balance to Obtain
Annual Percentage Yield  
 Interest Rate APY
6-Month Certificate $100 $100 0.260% 0.26%
12-Month Certificate $100 $100 4.879% 5.00%
18-Month Certificate $100 $100 2.323% 2.35%
24-Month Certificate $100 $100 2.469% 2.50%
30-Month Certificate $100 $100 2.469% 2.50%
36-Month Certificate $100 $100 2.518% 2.55%
48-Month Certificate $100 $100 2.518% 2.55%
60-Month Certificate $100 $100 2.518%
We may impose a penalty if you withdraw any of the principal balance before the maturity date. 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. Rosedale Federal will waive this penalty for qualified withdrawals from tax-favored plans, such as Coverdell ESA's or IRA's where the participant is 59 1/2 years of age.  There may be tax and IRS penalties, please consult your tax advisor.  A minimum of seven (7) days' interest will be charged on any amount withdrawn within six (6) days after the account is opened or after a previous withdrawal. The remaining balance of an account will no longer earn interest if a withdrawal reduces the account balance below the required minimum balance disclosed.

These are fixed rate accounts. You will be paid this rate until maturity. The APY assumes interest remains on deposit until maturity. A withdrawal will reduce earnings. Interest credited to your account may be withdrawn prior to maturity without penalty. Fees could reduce earnings on the account.

After the account is open, you may make deposits into your account.

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.