Bank · FDIC insured
Rosedale Bank CD Rates
Rosedale Bank’s best CD rate is 3.90% APY on a 1-year CD. Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Rosedale Bank’s CD rates compare
Compared with banks and credit unions near Baltimore, MD, where Rosedale Bank has the most branches. $10,000, best rate first.
This bank’s best
Rosedale Bank
3.90%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $390
Everyday CD
Top rate
Tower Federal Credit Union
5.20%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $1,067
2nd-highest rate
POCU of Maryland
5.12%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $382
Rosedale Bank CD score
71
CD score
Higher than 30% of U.S. banks and credit unions
- 3–8 months3–8 mo0.26%
- 9–15 months9–15 mo3.90%
- 16–30 months16–30 mo2.50%
- 31–60 months31–60 mo2.55%
- QualifiedQualified3.90%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Rosedale Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Everyday CD
Up to 3.90%APY · 9 terms
Deposit accounts offered to residents in Maryland communities served by Rosedale Bank branches. Early withdrawal penalty: 90 days interest for terms <= 12 months, 180 days interest for terms > 12 months.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.26% | $13 |
| 9 months | 3.50% | $261 |
| 12 months | 3.90% | $390 |
| 18 months | 2.35% | $355 |
| 24 months | 2.50% | $506 |
| 30 months | 2.50% | $637 |
| 36 months | 2.55% | $785 |
| 48 months | 2.55% | $1,060 |
| 60 months | 2.55% | $1,342 |
Sources (2)
- rosedale.bank/personal/certificates-of-deposit-cds
- rosedale.bank/rate-center/certificate-of-deposit-rates
All captured Oct 15, 2026
Pick-Your-Term CD
Up to 2.35%APY · 2 terms
Deposit accounts offered to residents in Maryland communities served by Rosedale Bank branches. Early withdrawal penalty: 180 days interest.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13–17 months | 2.00% | $217 |
| 19–23 months | 2.35% | $375 |
Sources (2)
- rosedale.bank/personal/certificates-of-deposit-cds
- rosedale.bank/rate-center/certificate-of-deposit-rates
All captured Oct 15, 2026
Bump-Up CD
Up to 2.30%APY · 4 terms
Variable rate accounts with a one-time bump-up option during the term to the rate in effect for the term's Bump-Up CD. Deposit accounts offered to residents in Maryland communities served by Rosedale Bank branches. Early withdrawal penalty: 180 days interest.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 months | 2.25% | $455 |
| 36 months | 2.30% | $706 |
| 48 months | 2.30% | $952 |
| 60 months | 2.30% | $1,204 |
Sources (2)
- rosedale.bank/personal/certificates-of-deposit-cds
- rosedale.bank/rate-center/certificate-of-deposit-rates
All captured Oct 15, 2026
Special-purpose accounts
Coverdell ESA Certificate of Deposit
Up to 3.90%APY · 8 terms
Coverdell ESAs are certificate of deposit (CD) accounts designed for education expenses. Deposit accounts offered to residents in Maryland communities served by Rosedale Bank branches. Early withdrawal penalty: 90 days interest for terms <= 12 months, 180 days interest for terms > 12 months (waived for qualified withdrawals). Minimum 7 days interest charged on withdrawal within 6 days of opening or prior withdrawal. Deposits permitted after opening.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.26% | $13 |
| 12 months | 3.90% | $390 |
| 18 months | 2.35% | $355 |
| 24 months | 2.50% | $506 |
| 30 months | 2.50% | $637 |
| 36 months | 2.55% | $785 |
| 48 months | 2.55% | $1,060 |
| 60 months | 2.55% | $1,342 |
Sources (2)
All captured Oct 15, 2026
IRA Certificate of Deposit
Up to 3.90%APY · 8 terms
Traditional and Roth IRAs are certificate of deposit (CD) accounts. Deposit accounts offered to residents in Maryland communities served by Rosedale Bank branches. Early withdrawal penalty: 90 days interest for terms <= 12 months, 180 days interest for terms > 12 months (waived for qualified withdrawals where participant is 59 1/2 years of age). Minimum 7 days interest charged on withdrawal within 6 days of opening or prior withdrawal. Deposits permitted after opening.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.26% | $13 |
| 12 months | 3.90% | $390 |
| 18 months | 2.35% | $355 |
| 24 months | 2.50% | $506 |
| 30 months | 2.50% | $637 |
| 36 months | 2.55% | $785 |
| 48 months | 2.55% | $1,060 |
| 60 months | 2.55% | $1,342 |
Sources (2)
All captured Oct 15, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.