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Ridgewood Savings Bank


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/22/2025
4.54%
Our Rating
4.2  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/22/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/22/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/22/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.ridgewoodbank.com
718-240-4778
7102 Forest Avenue
Ridgewood, NY 11385

The people of Ridgewood Savings Bank have been proudly serving their local communities since the bank was founded back in 1921. A lot of things have changed through the years, but one thing has remained the same: their commitment to meeting the needs of their customers and communities.

Ridgewood Savings Bank is convenient, courteous, comfortable and secure. Whatever your financial needs, you'll find the valuable products and services you want.

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Health
A

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #16026
Year Established1921
Employees514
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.36%
Return on Equity - YTD3%
Annual Interest Income$265.3MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$7.19B$6.97B
LoansQ4 2024vs Q4 2023$4.68B$4.47B
DepositsQ4 2024vs Q4 2023$5.68B$5.51B
Equity CapitalQ4 2024vs Q4 2023$860.9MM$822.4MM
Loan Loss AllowanceQ4 2024vs Q4 2023$35.5MM$31.3MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$80.2MM$57.5MM
Real Estate OwnedQ4 2024vs Q4 2023$38K$38K
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/22/2025
4.54%
Our Rating
4.2  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/22/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/22/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 4/22/2025
3.70%
Our Rating
4.3  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Ridgewood Savings Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.50%*$0$250kSmart Move Online Savings Account
OTHER TIERS: 0.25% → $250k+
1.50%*$0$25kYouth Savings Passbook Account
OTHER TIERS: 0.25% → $25k+
1.50%*$0$25kYouth Savings Statement Account
OTHER TIERS: 0.25% → $25k+
0.25%$0-Business Savings Account
0.25%$0-Statement Savings
0.25%$0-Vacation Club
0.25%$0-Holiday Club
0.25%$0-Passbook Savings

Ridgewood Savings Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.05%*$10k*$250kSmart Move Money Market
OTHER TIERS: 0.25% → $250k+
2.00%*$0$5mBusiness Money Market
OTHER TIERS: 0.25% → $5m+
0.35%*$25k*-PowerFlex Money Market
OTHER TIERS: 0.20% → $0 - $10k | 0.25% → $10k - $25k

Ridgewood Savings Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$50k*-Premier Checking
OTHER TIERS: 0.10% → $0 - $10k | 0.15% → $10k - $25k | 0.20% → $25k - $50k

Ridgewood Savings Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.24%$100-2 Year Treasury Indexed CD
4.00%$100-9 Month CD
3.75%$100-12 Month CD
3.55%$100-18 Month CD
3.55%$100-72 Month CD
3.55%$100-84 Month CD
3.50%$100-24 Month CD
3.40%$100-6 Month CD
3.35%$100-36 Month CD
3.35%$100-48 Month CD
3.35%$100-60 Month CD
2.50%$100-90 Day CD

Ridgewood Savings Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$100-9 Month IRA
4.00%$100-10 Month Flex IRA CD
3.75%$100-12 Month IRA
3.55%$100-18 Month IRA
3.55%$100-72 Month IRA
3.55%$100-84 Month IRA
3.55%$100-20 Month Flex IRA CD
3.50%$100-24 Month IRA
3.40%$100-6 Month IRA
3.40%$100-30 Month Flex IRA CD
3.35%$100-36 Month IRA
3.35%$100-48 Month IRA
3.35%$100-60 Month IRA
3.35%$100-50 Month Flex IRA CD
3.35%$100-40 Month Flex IRA CD
2.50%$100-90 Day IRA
0.35%$0-Super Saver IRA
Locations

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