Rosedale Federal has been in the Baltimore community for over 100 years and counting. Over the years, Rosedale has evolved to meet the needs of their community. To this day, they are still committed to providing affordable home loans and CDs, among other things, to their loyal clients. 

For the services and support, the CD rates are also very attractive and favor the investors to all extents.

Rosedale Federal CD Rates Offers

The most appealing CD offers for Rosedale Federal are;

13-Month Specials/Promotion CD

  • Term: 13 months
  • Minimum Deposit to Open: $25,000
  • Minimum Balance for APY: $25,000
  • Interest Rate: 5.354%


  • Enjoy attractive interest rates on all CD terms, providing a reliable avenue for growing your savings.

Pros & Cons

High Interest Rate (5.354%)High Minimum Deposit ($25,000)

24-Month Bump Up CD

  • Term: 24 months
  • Minimum Deposit to Open: $10,000
  • Minimum Balance for APY: $10,000
  • Interest Rate: 2.225%
  • APY: 2.25%


·         Enjoy attractive interest rates on all CD terms

Pros & Cons

Lower Minimum Deposit ($10,000)Moderate Interest Rate

36-Month Bump Up CD

  • Term: 36 months
  • Minimum Deposit to Open: $10,000
  • Minimum Balance for APY: $10,000
  • Interest Rate: 2.274%
  • APY: 2.30%


·         The APY reflects the actual interest earned, considering compounding

Pros & Cons

Bump Up Option for Rate Increase

Are Rosedale Federal CD Rates Competitive?

Rosedale Federal offers competitive CD rates, particularly with its 13-Month Special/Promotion CD boasting a high 5.354% interest rate, providing an attractive opportunity for short-term savings growth.

However, the 24-month and 36-month Bump Up CDs feature lower interest rates at 2.225% and 2.274%, respectively, making them less competitive in the current market.

While the Bump option allows for a potential rate increase, the moderate interest rates and longer terms might not be as appealing to individuals seeking higher returns within a shorter time frame. Additionally, the minimum deposit and balance requirements for these CDs, especially the 13-Month Special with a $25,000 minimum, might be limiting for some potential investors. Therefore, while Rosedale Federal offers a standout option with the 13-Month Special, the competitiveness of their CD rates depends on individual preferences.

Overview Rosedale Federal

Rosedale Federal is highly involved in their community and is a part of their local charities, non-profit organizations, and more. Rosedale Federal’s employees volunteer their time to help out as much as they can. 

Rosedale Federal also offers a financial literacy class to help educate members of the community to stay on track in managing their money. From saving up for college to paying off mortgages, Rosedale Federal is there to help.

If you’re interested in learning more about Rosedale Federal or opening up an account with them, feel free to contact a representative either online, over the phone, or in person. 


You must already be a member of Rosedale Federal to open a CD. This means that you will need to open a checking or savings account. Rosedale only provides services to those in the Maryland area where their branches are located.

Locations Rosedale Federal

Branches in Maryland

The branches in Maryland are:

Abingdon, Baltimore, Bel Air, Dundalk, Forest Hill, Nottingham, and Towson.

Frequently Asked Questions

What distinguishes the 13-Month Special/Promotion CD from other terms offered by Rosedale Federal?

 The 13-Month Special/Promotion CD stands out with a high-interest rate of 5.354%, making it particularly attractive for individuals seeking short-term savings growth. 

How often is the interest compounded for the 36-Month Bump Up CD?

The 36-month Bump-Up CD, like other certificates of deposit, typically compounds interest periodically. 

Are there any additional benefits or features associated with the Bump Up CDs?

 Yes, both the 24-month and 36-month Bump CDs offer the advantage of a “Bump Up” option, allowing investors to increase their interest rate once during the term if market rates rise. This feature provides a level of flexibility for investors to capitalize on potential interest rate increases.

Can I open a CD account with Rosedale Federal online, or is it necessary to visit a branch?

Rosedale Federal generally offers the convenience of opening CD accounts online, providing customers with a streamlined and accessible process.