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iAdvertiser Disclosure
Advertiser Disclosure
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 Ridgewood Savings Bank Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 22, 2026
Ridgewood Savings Bank's 2-Year Treasury Indexed CD rates are at 4.59%. Ridgewood Savings Bank's savings rates are at 1.50%. Ridgewood Savings Bank's money market rates are at 3.75%. Ridgewood Savings Bank's SONYMA (Achieve the Dream) - 30 Year Fixed rates are at 6.60%, Good Move - 15 Year Fixed rates are at 6.50%, Good Move Plus - 30 Year Fixed rates are at 6.75%, Good Move - 20 Year Fixed rates are at 6.75%, Good Move - 10/1 ARM rates are at 6.50%. MonitorBankRates evaluates the financial stability of Ridgewood Savings Bank with a 4.9 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.37%. Rates last updated and verified on 10/22/2026. Ridgewood Savings 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 Ridgewood Savings Bank? Share your experience about Ridgewood Savings Bank by leaving a review below, or read customer reviews before you decide to use Ridgewood Savings Bank. 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. Ridgewood Savings Bank CD Rates
Ridgewood Savings Bank Savings Rates
Ridgewood Savings Bank Money Market Rates
Ridgewood Savings Bank Mortgage Rates
Ridgewood Savings Bank Other Rates
Financial Health HistoryRidgewood Savings Bank’s Texas Ratio rose from 7.75% in Q3 2023 to 9.37% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)
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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
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Ridgewood Savings 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 Ridgewood Savings 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 Ridgewood Savings Bank's official website for the most current offers and terms.
Bank Profile & Overview
Bank Name
Ridgewood Savings Bank
Website
https://www.ridgewoodbank.com
Address
7102 Forest Ave,
Ridgewood, NY 11385 · Queens
FDIC Certificate #
16026
Regulator
FDIC
Established
June 18, 1921
FDIC Insurance Date
July 1, 1943
Domestic Offices
38
Total Branches
38
FDIC Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
4.9 / 5.0 ★
Overall Health & Safety Grade
A (94/100)
Texas Ratio
9.37%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
0.6991%
Return on Equity (ROE)
5.5300%
Non-Performing Loans Ratio (NPL)
1.19%
Total Assets
$7,548,632,000
Total Deposits
$6,013,033,000
Equity Capital
$962,504,000
Net Income
$26,298,000
Headquarters
Ridgewood
Total Branches and Offices
38
Source: FDIC — Last Updated June 30, 2026
Customer ReviewsLauren h
October 20, 2025
No bank should expose your personal details such as date of births. That\'s how everyone is getting scammed, victims of identity theft, stolen from, targeted by bad guys, exposed. Robo calls. It\'s not right they would do this without my permission. I\'m closing this account. I hope others take notice of this fraud bank.
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Add Your Rating and Review for Ridgewood Savings Bank
Frequently Asked Questions About Ridgewood Savings BankDoes Ridgewood Savings Bank offer CDs?Yes. Ridgewood Savings Bank offers certificates of deposit (CDs) with fixed interest rates across multiple term lengths. Its current CD rates, verified by MonitorBankRates, are listed on this page. Are CDs from Ridgewood Savings Bank FDIC insured?Yes. Ridgewood Savings Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Ridgewood Savings Bank?The highest CD rate MonitorBankRates has verified for Ridgewood Savings Bank is 4.59% APY on its 2 years 2-Year Treasury Indexed CD, as of October 22, 2026. What CD terms does Ridgewood Savings Bank offer?The Ridgewood Savings Bank CD terms we track include 2 year terms. The institution may offer other terms or specials that are not listed here, so check with Ridgewood Savings Bank for its full lineup. What is the highest savings rate at Ridgewood Savings Bank?The highest savings rate MonitorBankRates has verified for Ridgewood Savings Bank is 1.50% APY on its Youth Savings Account, as of October 22, 2026. What is the highest money market rate at Ridgewood Savings Bank?The highest money market rate MonitorBankRates has verified for Ridgewood Savings Bank is 3.75% APY on its Smart Move Money Market, as of October 22, 2026. What is the lowest 30 year fixed mortgage rate at Ridgewood Savings Bank?The lowest 30 year fixed mortgage rate MonitorBankRates has verified for Ridgewood Savings Bank is 6.60% rate on its SONYMA (Achieve the Dream) - 30 Year Fixed, as of October 22, 2026. How many branches does Ridgewood Savings Bank operate?Ridgewood Savings Bank currently maintains approximately 38 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, Ridgewood Savings 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, Ridgewood Savings Bank provides members with tools to manage their accounts and build a solid financial history. Does Ridgewood Savings Bank offer online and mobile banking?Most modern institutions like Ridgewood Savings 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.ridgewoodbank.com. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Ridgewood Savings Bank rates compare?Ridgewood Savings Bank's top rates are 4.59% APY on its 2 years 2-Year Treasury Indexed CD, 1.50% APY on savings, 3.75% APY on money market and 6.125% on its Good Move - 5/1 ARM, verified by MonitorBankRates on October 22, 2026. To compare Ridgewood Savings Bank with the top rates nationwide, see our best CD rates, best savings rates, best money market rates and best mortgage rates, updated daily from banks and credit unions across the country. Current Ridgewood Savings Bank Rates
Retrieved from our database of financial products. Rates subject to change.
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