Ridgewood Savings Bank Rates and Review January 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.
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Ridgewood Savings Bank's 12-Month CD rates are at 3.55%, 24-Month CD rates are at 3.30%, 18-Month CD rates are at 3.30%, 84-Month CD rates are at 3.25%, 72-Month CD rates are at 3.25%. Ridgewood Savings Bank's money market rates are at 0.20%. Ridgewood Savings Bank's 30-Year Fixed rates are at 6.00%, 20-Year Fixed rates are at 5.75%, 15-Year Fixed rates are at 5.50%, 10-Year Fixed rates are at 5.38%.
To see how these rates compare to Ridgewood Savings Bank CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from Ridgewood Savings Bank, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with Ridgewood Savings Bank CD rates. You can also compare Ridgewood Savings Bank savings rates, MMA rates and mortgage rates using our other rate lists. 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 Stability and Texas RatioRidgewood Savings Bank's Texas Ratio is at 8.65%, which is considered excellent. The Texas Ratio for Ridgewood Savings Bank is higher than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing. Overall, Ridgewood Savings Bank is an excellent bank worth considering, with an overall rating of 4 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs Avg
"N/A" indicates the product is not offered or the rate is unavailable. Ridgewood Savings Bank CD Rates and Interest Rates
Ridgewood Savings Bank
12-Month CD
3.55%
$100
Ridgewood Savings Bank
18-Month CD
3.30%
$100
Ridgewood Savings Bank
24-Month CD
3.30%
$100
Ridgewood Savings Bank
72-Month CD
3.25%
$100
Ridgewood Savings Bank
84-Month CD
3.25%
$100
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
Compare Ridgewood Savings Bank Rates with Other Competitive Bank and Credit Union Rates
GTE Financial Credit Union
48-Month CD (Jumbo)
3.92%
$100,000
VISIONBank Saint Francis, MN
48-Month CD
3.75%
$500
Federation Bank
9-Month CD
3.57%
$500
First National B&T Co. of Bottineau
30-Month CD
3.53%
$500
FNB of Wyoming
6-Month CD
3.53%
$100
Show More
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
View 50 More
Bank Profile & OverviewRidgewood Savings Bank
7102 Forest AveRidgewood, NY 11385 Queens Established Date: 06/18/1921 FDIC Certificate #: 16026 Date of FDIC Deposit Insurance: 08/09/1989 How Many Domestic U.S. Offices? 38 How Many Branches are There? 38 Website: https://www.ridgewoodbank.com
Is Ridgewood Savings Bank FDIC Insured? Yes
What is Ridgewood Savings Bank's Cert number? 16026
What is the maximum amount for insured deposits? $250,000 per holder, per account
Financial Health & AssetsTotal Assets:
$6,996,423,000
Total Deposits:
$5,559,007,000
Equity Capital:
$821,096,000
Net Income:
$7,922,000
Return on Assets (ROA):
0.5057%
Return on Equity (ROE):
4.4500%
Headquarters:
Ridgewood
Regulator:
FDIC
# of Offices:
38
Source: FDIC | Last Updated 03/31/2024
Customer ReviewsSgLz
December 17, 2025
KNrn
Lauren 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.
Add Your Rating and Review for Ridgewood Savings Bank
Frequently Asked Questions About Ridgewood Savings BankIs Ridgewood Savings Bank a safe place to deposit money?Yes, Ridgewood Savings Bank is considered a safe financial institution. With a Texas Ratio of 8.65%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category. 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. Compare to other Banks |
