Lake Ridge Bank CD Rates — October 2026
As of October 22, 2026, Lake Ridge Bank's highest tracked CD rate is 4.22% APY on a 32-month promotional CD ($1,000 minimum). That is 3.0 times the FDIC national average for 36-month CDs (1.39%). Standard CD rates range from 1.76% to 2.93% APY.
Tracking began .
Lake Ridge Bank CD rates
CD specials (22 and 32 months) and standard CDs from 3 to 60 months with a $1,000 minimum; term ranges are shown at their lower bound. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 3 months | CD | $1,000 | 1.76% | −2.54% | Top 68% of tracked 3-month CDs · Verified October 22, 2026 |
| 6 months | CD | $1,000 | 2.17% | −2.23% | Top 79% of tracked 6-month CDs · Verified October 22, 2026 |
| 12 months | CD | $1,000 | 2.37% | −2.20% | Top 79% of tracked 12-month CDs · Verified October 22, 2026 |
| 22 months | Personal CD Special Promotional | $1,000 | 3.44% | −1.38% | Verified October 22, 2026 |
| 24 months | CD | $1,000 | 2.63% | −2.24% | Top 71% of tracked 24-month CDs · Verified October 22, 2026 |
| 32 months | Personal CD Special Promotional | $1,000 | 4.22% | −0.70% | Verified October 22, 2026 |
| 36 months | CD | $1,000 | 2.78% | −2.17% | Top 65% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | CD | $1,000 | 2.93% | −2.05% | Top 57% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | CD | $1,000 | 2.93% | −2.08% | Top 62% of tracked 60-month CDs · Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
Watch the renewal rate
The best promotional rate here is 4.22% APY (32 months). The standard rate for a similar term is 2.78% APY (36 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $144 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What are Lake Ridge Bank's best CD rates by term?
Lake Ridge Bank's best rate is 4.22% APY on 32 months, verified October 22, 2026.
- 3 mo1.76%
- 6 mo2.17%
- 12 mo2.37%
- 22 mo3.44%
- 24 mo2.63%
- 32 mo4.22%
- 36 mo2.78%
- 48 mo2.93%
- 60 mo2.93%
How much interest could a Lake Ridge Bank CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$1,164.86 interest · $11,164.86 at maturity on $10,000.00.
4.22% APY · 32 months · Personal CD Special · Promotional · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $21.801.76% APY · CD · Standard | $43.591.76% APY · CD · Standard | $108.981.76% APY · CD · Standard | $217.961.76% APY · CD · Standard |
| 6 months | $54.112.17% APY · CD · Standard | $108.212.17% APY · CD · Standard | $270.542.17% APY · CD · Standard | $541.072.17% APY · CD · Standard |
| 12 months | $118.502.37% APY · CD · Standard | $237.002.37% APY · CD · Standard | $592.502.37% APY · CD · Standard | $1,185.002.37% APY · CD · Standard |
| 22 months | $319.763.44% APY · Personal CD Special · Promotional | $639.523.44% APY · Personal CD Special · Promotional | $1,598.813.44% APY · Personal CD Special · Promotional | $3,197.623.44% APY · Personal CD Special · Promotional |
| 24 months | $266.462.63% APY · CD · Standard | $532.922.63% APY · CD · Standard | $1,332.292.63% APY · CD · Standard | $2,664.582.63% APY · CD · Standard |
| 32 months | $582.434.22% APY · Personal CD Special · Promotional | $1,164.864.22% APY · Personal CD Special · Promotional | $2,912.144.22% APY · Personal CD Special · Promotional | $5,824.284.22% APY · Personal CD Special · Promotional |
| 36 months | $428.702.78% APY · CD · Standard | $857.402.78% APY · CD · Standard | $2,143.502.78% APY · CD · Standard | $4,287.002.78% APY · CD · Standard |
| 48 months | $612.262.93% APY · CD · Standard | $1,224.522.93% APY · CD · Standard | $3,061.312.93% APY · CD · Standard | $6,122.612.93% APY · CD · Standard |
| 60 months | $776.702.93% APY · CD · Standard | $1,553.402.93% APY · CD · Standard | $3,883.502.93% APY · CD · Standard | $7,767.012.93% APY · CD · Standard |
How Lake Ridge Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 973-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 2 of 3 tracked institutions with fresh 973-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| Lake Ridge Bank (this institution)Personal CD Special · Promotional | 32 months | $1,000 | Branches in WI | 4.22% | October 22, 2026 |
| Citadel Credit Union (highest tracked APY for this term)32 Month Bonus Certificate · Promotional | 32 months | $75,000 | Membership required · branches in PA | 4.40% | October 22, 2026 |
| Treasury (APY-equivalent) | 32 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.92% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Lake Ridge Bank on October 22, 2026.
About Lake Ridge Bank
- Legal name
- Lake Ridge Bank
- Regulator ID
- FDIC 15091
- Headquarters
- Middleton, WI
- Available in
- WI
- Total assets
- $3.4 billion
- Also known as
- Website
- www.lakeridge.bank
Source: rates read from https://www.lakeridge.bank/rates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at Lake Ridge Bank?
Among the rates we track, 4.22% APY on a 32-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a Lake Ridge Bank CD?
The lowest minimum we found is $1,000.
How does Lake Ridge Bank's best CD rate compare with Treasury yields?
4.22% APY is −0.70% versus the 32-month Treasury yield of 4.92% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.22% a good CD rate?
It is 3.0 times the FDIC national average for a similar term (1.39% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Lake Ridge Bank CDs insured?
Lake Ridge Bank is an FDIC-insured bank (FDIC 15091). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Lake Ridge Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Lake Ridge Bank's website and may change at any time. Confirm terms, minimums and eligibility with Lake Ridge Bank before opening an account. This page is not financial advice.