Ridgewood Savings Bank Rates and Review February 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 10-Month 10-Month Online CD Promo rates are at 3.95%, 2 Years 2-Year Treasury Indexed CD rates are at 3.72%, 9-Month 9-Month CD rates are at 3.65%, 12-Month 12-Month CD rates are at 3.55%, 6-Month 6-Month CD rates are at 3.40%. Ridgewood Savings Bank's savings rates are at 0.25%. Ridgewood Savings Bank's money market rates are at 0.20%.
Rate Updates and AvailabilityRidgewood 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. Ridgewood Savings Bank 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. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
Ridgewood Savings Bank has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, Ridgewood Savings Bank is a excellent bank worth considering, with an overall rating of 5.0 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
Ridgewood Savings Bank Savings Rates
Ridgewood Savings Bank Money Market Rates
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 & 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 BankHow do I open an account at Ridgewood Savings Bank?You can typically open an account at Ridgewood Savings Bank by visiting a local branch or applying through their official website. Is there a first-time homebuyer program?Currently, Ridgewood Savings Bank provides a range of mortgage and home equity products. Is Ridgewood Savings Bank a safe place to deposit money?Yes, Ridgewood Savings Bank is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor. Does Ridgewood Savings Bank offer online and mobile banking?Most modern institutions like Ridgewood Savings Bank provide digital access including online balance checks and transfers. Compare to other Banks |
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