# Lake Ridge Bank CD rates

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.

Canonical page: https://apyledger.com/cd-rates/lake-ridge-bank
Institution: Lake Ridge Bank (FDIC 15091)
Aliases: 
Status: live
Last verified: 2026-10-23T03:02:07.000Z (October 22, 2026)
Official source: https://www.lakeridge.bank/rates/
Coverage: 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.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| CD | standard | 3 months | $1,000 | 1.76% | Not ZIP-priced | −2.54% | 2026-10-23T03:02:07.000Z | [Snapshot 922](https://apyledger.com/snapshots/922) |
| CD | standard | 6 months | $1,000 | 2.17% | Not ZIP-priced | −2.23% | 2026-10-23T03:02:07.000Z | [Snapshot 922](https://apyledger.com/snapshots/922) |
| CD | standard | 12 months | $1,000 | 2.37% | Not ZIP-priced | −2.20% | 2026-10-23T03:02:07.000Z | [Snapshot 922](https://apyledger.com/snapshots/922) |
| Personal CD Special | promotional | 22 months | $1,000 | 3.44% | Not ZIP-priced | −1.38% | 2026-10-23T03:02:07.000Z | [Snapshot 922](https://apyledger.com/snapshots/922) |
| CD | standard | 24 months | $1,000 | 2.63% | Not ZIP-priced | −2.24% | 2026-10-23T03:02:07.000Z | [Snapshot 922](https://apyledger.com/snapshots/922) |
| Personal CD Special | promotional | 32 months | $1,000 | 4.22% | Not ZIP-priced | −0.70% | 2026-10-23T03:02:07.000Z | [Snapshot 922](https://apyledger.com/snapshots/922) |
| CD | standard | 36 months | $1,000 | 2.78% | Not ZIP-priced | −2.17% | 2026-10-23T03:02:07.000Z | [Snapshot 922](https://apyledger.com/snapshots/922) |
| CD | standard | 48 months | $1,000 | 2.93% | Not ZIP-priced | −2.05% | 2026-10-23T03:02:07.000Z | [Snapshot 922](https://apyledger.com/snapshots/922) |
| CD | standard | 60 months | $1,000 | 2.93% | Not ZIP-priced | −2.08% | 2026-10-23T03:02:07.000Z | [Snapshot 922](https://apyledger.com/snapshots/922) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.