What are the current interest rates at Lake Ridge Bank?

Current rates for Lake Ridge Bank include: Savings: 2.84%, MMA: 1.46%

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Lake Ridge Bank Rates & Review October 2026

Q: How many branches does Lake Ridge Bank operate?

Lake Ridge Bank currently maintains approximately 20 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Lake Ridge Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Lake Ridge Bank provides members with tools to manage their accounts and build a solid financial history.

Q: Does Lake Ridge Bank offer online and mobile banking?

Most modern institutions like Lake Ridge Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.lakeridge.bank.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 14, 2026

Lake Ridge Bank's top rates as of October 14, 2026 are 4.22% APY on its 32-Months Personal CD Specials - 32-Month, 2.84% APY on savings, 1.46% APY on money market accounts, 0.01% APY on checking, 6.875% on its 15-Year Fixed Rate mortgage, personal loans from 13.50% APR, and credit cards from 13.50% APR, according to rates verified by MonitorBankRates. Other Lake Ridge Bank CD rates include 22-Months Personal CD Specials - 22-Month at 3.44%, and 22-Months 22-Month CD at 3.19%. Other Lake Ridge Bank mortgage rates include 30-Year Fixed Rate at 7.25%. MonitorBankRates evaluates the financial stability of Lake Ridge Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.83%. Rates last updated and verified on 10/14/2026.

Lake Ridge Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Lake Ridge Bank? Share your experience about Lake Ridge Bank by leaving a review below, or read customer reviews before you decide to use Lake Ridge Bank.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.83%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Lake Ridge Bank

8301 University Ave
Middleton, WI 53562

https://www.lakeridge.bank

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Lake Ridge Bank CD Rates

Product	Rate	APY	Term
Personal CD Specials - 32 month	4.15%	4.22%	32 Months
Min Deposit $1,000 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.22% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.83%
Personal CD Specials - 22 month	3.40%	3.44%	22 Months
Min Deposit $1,000 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.44% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.83%
22 Month CD	-	3.19%	22 months
Details Featured on homepage under CD Specials Last Updated 10/14/2026 Rate History 2 changes since Sep 18, 2026 · 3.19% → 3.19% ▼ 0.00 pts · high 3.44% / low 3.19% Oct 14, 20263.19%▼ from 3.44% Oct 2, 20263.44%▲ from 3.19% Sep 18, 20263.19%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.83%

Lake Ridge Bank Savings Rates

Product	Rate	APY
High Yield Savings	2.80%	2.84%
Min Balance $10,000 Details Balance: $10,000 and above Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 2.84% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.83%
LifeSavings HSA	1.70%	1.71%
Details Health Savings HSA Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 1.71% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.83%
Forward Savings	0.25%	0.25%
Min Deposit $100 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.83%
High Yield Savings	0.25%	0.25%
Min Balance $0 Details Balance: $0 to $9,999.99 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.83%
Junior Savings	0.25%	0.25%
Min Deposit $25 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.83%

Lake Ridge Bank Business Savings Rates

Product	Rate	APY	View More
Business Savings	0.25%	0.25%
No additional details. Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.83%

Lake Ridge Bank Money Market Rates

Product	Rate	APY
Forward Money Market Plus	1.45%	1.46%
Min Balance $250,000 Details Balance: $250,000 and above Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 1.46% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.83%
Forward Money Market Plus	0.94%	0.94%
Min Balance $100,000 Details Balance: $100,000 to $249,999.99 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 0.94% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.83%
Forward Money Market Plus	0.92%	0.92%
Min Balance $50,000 Details Balance: $50,000 to $99,999.99 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 0.92% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.83%
Forward Money Market Plus	0.80%	0.80%
Min Balance $25,000 Details Balance: $25,000 to $49,999.99 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 0.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.83%
Forward Money Market Plus	0.40%	0.40%
Min Balance $0 Details Balance: $0 to $24,999.99 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 0.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.83%

Lake Ridge Bank Business Money Market Rates

Product	Rate	APY
Beyond Business Money Market	1.40%	1.41%
Min Balance $250,000 Details Balance: $250,000 and above Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 1.41% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.83%
Beyond Business Money Market	0.94%	0.94%
Min Balance $100,000 Details Balance: $100,000 to $249,999.99 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 0.94% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.83%
Beyond Business Money Market	0.92%	0.92%
Min Balance $50,000 Details Balance: $50,000 to $99,999.99 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 0.92% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.83%
Beyond Business Money Market	0.80%	0.80%
Min Balance $25,000 Details Balance: $25,000 to $49,999.99 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 0.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.83%
Beyond Business Money Market	0.40%	0.40%
Min Balance $0 Details Balance: $0 to $24,999.99 Last Updated 10/14/2026 Rate History No change since Oct 7, 2026 · 0.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.83%

Lake Ridge Bank Checking Rates

Product	Rate	APY	View More
Forward Checking Plus	0.01%	0.01%
Min Deposit $100 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.83%

Lake Ridge Bank Mortgage Rates

Product	Rate	Points	APR	Term
15-Year Fixed Rate	6.875%	0.000%	7.046%	15 years
Details Mortgage; Payment Schedule: 179 payments of $1471.56 at an interest rate of 6.875%; 1 payment of $1471.46 at an interest rate of 6.875%; Rates based on $165,000 loan amount, Wisconsin single-family primary residence, credit score 740+, 60% LTV; effective October 13, 2026 Last Updated 10/14/2026 Rate History 1 change since Oct 7, 2026 · 7.30% → 7.05% ▼ 0.25 pts · high 7.30% / low 7.05% Oct 14, 20267.05%▼ from 7.30% Oct 7, 20267.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.83%
30-Year Fixed Rate	7.25%	0.000%	7.36%	30 years
Details Mortgage; Payment Schedule: 359 payments of $1125.59 at an interest rate of 7.250%; 1 payment of $1127.06 at an interest rate of 7.250%; Rates based on $165,000 loan amount, Wisconsin single-family primary residence, credit score 740+, 60% LTV; effective October 13, 2026 Last Updated 10/14/2026 Rate History 1 change since Oct 7, 2026 · 7.61% → 7.36% ▼ 0.25 pts · high 7.61% / low 7.36% Oct 14, 20267.36%▼ from 7.61% Oct 7, 20267.61%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.83%

Lake Ridge Bank Credit Card Rates

Product	Rate	APR	View More
Visa Signature	-	13.50%
Details Credit card featured on homepage Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 13.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.83%

Lake Ridge Bank Personal Loan Rates

Product	APR	Term	View More
Visa Signature	13.50%
Details Credit card featured on homepage Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 13.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.83%

Lake Ridge Bank Other Rates

Product	Rate	Points	APY/APR	Term
1 Year Construction Loan	4.89%	0.000%	5.853%	1 year
Details Construction loan; Payment Schedule: 12 payments of interest only at an interest rate of 4.890%; 1 payment of $300,000 at maturity; Rate based on $300,000 loan amount for 12 months, 20% down payment, 1-4-unit owner occupied with established Lake Ridge Bank checking account with direct deposit; effective October 13, 2026 Last Updated 10/14/2026 Rate History 1 change since Oct 7, 2026 · 4.83% → 5.85% ▲ 1.02 pts · high 5.85% / low 4.83% Oct 14, 20265.85%▲ from 4.83% Oct 7, 20264.83%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.83%
WHEDA First Time Home Buyer (with MI and AQI < 80% AMI) Loan	6.625%	0.000%	6.958%
Details Payment Schedule: 120 payments of $1938.48 at an interest rate of 6.625%; 26 payments of $1911.80 at an interest rate of 6.625%; 213 payments of $1863.30 at an interest rate of 6.625%; 1 payment of $1868.86 at an interest rate of 6.625% Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.96% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.83%
WHEDA First Time Home Buyer Loan	6.625%	0.000%	6.958%
Details Mortgage; With MI and AQI < 80% AMI; Payment Schedule: 120 payments of $1938.48, 26 payments of $1911.80, 213 payments of $1863.30, 1 payment of $1868.86, all at an interest rate of 6.625%; effective October 13, 2026 Last Updated 10/14/2026 Rate History 1 change since Sep 15, 2026 · 6.83% → 6.96% ▲ 0.13 pts · high 6.96% / low 6.83% Sep 24, 20266.96%▲ from 6.83% Sep 15, 20266.83%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.83%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Lake Ridge Bank’s Texas Ratio stayed near 3.24% in Q3 2023 to 2.83% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$3.4B	2.83%	5.0	A+
March 31, 2026	$3.3B	3.10%	5.0	A+
December 31, 2025	$3.3B	2.83%	5.0	A+
September 30, 2025	$3.2B	3.04%	5.0	A+
June 30, 2025	$3.1B	3.60%	5.0	A+
March 31, 2025	$3.1B	2.64%	5.0	A+
December 31, 2024	$3.1B	4.04%	5.0	A+
September 30, 2024	$3.0B	4.44%	5.0	A+
June 30, 2024	$3.0B	2.92%	5.0	A+
March 31, 2024	$3.0B	3.27%	5.0	A+
December 31, 2023	$3.0B	2.97%	5.0	A+
September 30, 2023	$2.9B	3.24%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Lake Ridge Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Lake Ridge Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Lake Ridge Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Lake Ridge Bank

Bank Holding Company LAKE RIDGE BCORP INC

Address 8301 University Ave, Middleton, WI 53562 · Dane

Website https://www.lakeridge.bank

FDIC Certificate # 15091

Established 19080101

FDIC Insurance Date 19340101

Domestic Offices 20

Total Branches 20

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

2.83%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.0467%

Return on Equity (ROE) 10.1100%

Non-Performing Loans (NPL) 0.25%

Total Assets $3,353,305,000

Total Deposits $2,788,408,000

Equity Capital $350,690,000

Net Income $17,378,000

Headquarters Middleton

Total Branches and Offices 20

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Lake Ridge Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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Customer Reviews

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Frequently Asked Questions About Lake Ridge Bank

How many branches does Lake Ridge Bank operate?

Lake Ridge Bank currently maintains approximately 20 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Lake Ridge Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Lake Ridge Bank provides members with tools to manage their accounts and build a solid financial history.

Does Lake Ridge Bank offer online and mobile banking?

Most modern institutions like Lake Ridge Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.lakeridge.bank.