Ridgewood Savings Bank CD Rates — October 2026
As of October 22, 2026, Ridgewood Savings Bank's highest tracked CD rate is 4.25% APY on a 10-month promotional CD ($100 minimum). That is 2.4 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 2.50% to 3.75% APY.
Tracking began .
Ridgewood Savings Bank CD rates
Fixed-rate personal CDs and specials with a $100 minimum. The Treasury Indexed adjustable-rate CD is excluded. The 10-month online promotion requires money not already on deposit at Ridgewood, is limited to one per customer and has a $500,000 maximum. Early withdrawal penalties apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 90 days | 90 Day CD | $100 | 2.50% | −1.79% | Verified October 22, 2026 |
| 6 months | 6 Month CD | $100 | 3.55% | −0.85% | Top 45% of tracked 6-month CDs · Verified October 22, 2026 |
| 9 months | 9 Month CD | $100 | 3.75% | −0.73% | Top 46% of tracked 9-month CDs · Verified October 22, 2026 |
| 10 months | 10-Month Online CD Promo (New Money Only) Promotional | $100 | 4.25% | −0.26% | Verified October 22, 2026 |
| 12 months | 12 Month CD | $100 | 3.70% | −0.87% | Top 51% of tracked 12-month CDs · Verified October 22, 2026 |
| 18 months | 18 Month CD | $100 | 3.60% | −1.12% | Top 53% of tracked 18-month CDs · Verified October 22, 2026 |
| 20 months | 20-Month CD Special Promotional | $100 | 4.10% | −0.67% | Verified October 22, 2026 |
| 24 months | 24 Month CD | $100 | 3.60% | −1.27% | Top 48% of tracked 24-month CDs · Verified October 22, 2026 |
| 36 months | 36 Month CD | $100 | 3.30% | −1.65% | Top 46% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | 48 Month CD | $100 | 3.30% | −1.68% | Top 44% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | 60 Month CD | $100 | 3.40% | −1.61% | Top 46% of tracked 60-month CDs · Verified October 22, 2026 |
| 72 months | 72 Month CD | $100 | 3.25% | −1.80% | Verified October 22, 2026 |
| 84 months | 84 Month CD | $100 | 3.25% | −1.84% | 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 4.25% APY (10 months). The standard rate for a similar term is 3.75% APY (9 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $50 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 Ridgewood Savings Bank's best CD rates by term?
Ridgewood Savings Bank's best rate is 4.25% APY on 10 months, verified October 22, 2026.
- 90 days2.50%
- 6 mo3.55%
- 9 mo3.75%
- 10 mo4.25%
- 12 mo3.70%
- 18 mo3.60%
- 20 mo4.10%
- 24 mo3.60%
- 36 mo3.30%
- 48 mo3.30%
- 60 mo3.40%
- 72 mo3.25%
- 84 mo3.25%
How much interest could a Ridgewood Savings 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.
$352.74 interest · $10,352.74 at maturity on $10,000.00.
4.25% APY · 10 months · 10-Month Online CD Promo (New Money Only) · 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 |
|---|---|---|---|---|
| 90 days | $30.542.50% APY · 90 Day CD · Standard | $61.072.50% APY · 90 Day CD · Standard | $152.682.50% APY · 90 Day CD · Standard | $305.362.50% APY · 90 Day CD · Standard |
| 6 months | $88.223.55% APY · 6 Month CD · Standard | $176.443.55% APY · 6 Month CD · Standard | $441.103.55% APY · 6 Month CD · Standard | $882.193.55% APY · 6 Month CD · Standard |
| 9 months | $140.113.75% APY · 9 Month CD · Standard | $280.213.75% APY · 9 Month CD · Standard | $700.533.75% APY · 9 Month CD · Standard | $1,401.063.75% APY · 9 Month CD · Standard |
| 10 months | $176.374.25% APY · 10-Month Online CD Promo (New Money Only) · Promotional | $352.744.25% APY · 10-Month Online CD Promo (New Money Only) · Promotional | $881.844.25% APY · 10-Month Online CD Promo (New Money Only) · Promotional | $1,763.684.25% APY · 10-Month Online CD Promo (New Money Only) · Promotional |
| 12 months | $185.003.70% APY · 12 Month CD · Standard | $370.003.70% APY · 12 Month CD · Standard | $925.003.70% APY · 12 Month CD · Standard | $1,850.003.70% APY · 12 Month CD · Standard |
| 18 months | $272.673.60% APY · 18 Month CD · Standard | $545.343.60% APY · 18 Month CD · Standard | $1,363.363.60% APY · 18 Month CD · Standard | $2,726.713.60% APY · 18 Month CD · Standard |
| 20 months | $346.124.10% APY · 20-Month CD Special · Promotional | $692.244.10% APY · 20-Month CD Special · Promotional | $1,730.594.10% APY · 20-Month CD Special · Promotional | $3,461.194.10% APY · 20-Month CD Special · Promotional |
| 24 months | $366.483.60% APY · 24 Month CD · Standard | $732.963.60% APY · 24 Month CD · Standard | $1,832.403.60% APY · 24 Month CD · Standard | $3,664.803.60% APY · 24 Month CD · Standard |
| 36 months | $511.513.30% APY · 36 Month CD · Standard | $1,023.033.30% APY · 36 Month CD · Standard | $2,557.573.30% APY · 36 Month CD · Standard | $5,115.153.30% APY · 36 Month CD · Standard |
| 48 months | $693.393.30% APY · 48 Month CD · Standard | $1,386.793.30% APY · 48 Month CD · Standard | $3,466.973.30% APY · 48 Month CD · Standard | $6,933.953.30% APY · 48 Month CD · Standard |
| 60 months | $909.803.40% APY · 60 Month CD · Standard | $1,819.603.40% APY · 60 Month CD · Standard | $4,548.993.40% APY · 60 Month CD · Standard | $9,097.993.40% APY · 60 Month CD · Standard |
| 72 months | $1,057.743.25% APY · 72 Month CD · Standard | $2,115.473.25% APY · 72 Month CD · Standard | $5,288.683.25% APY · 72 Month CD · Standard | $10,577.363.25% APY · 72 Month CD · Standard |
| 84 months | $1,254.613.25% APY · 84 Month CD · Standard | $2,509.233.25% APY · 84 Month CD · Standard | $6,273.063.25% APY · 84 Month CD · Standard | $12,546.133.25% APY · 84 Month CD · Standard |
How Ridgewood Savings Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 304-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 6 of 29 tracked institutions with fresh 304-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 |
|---|---|---|---|---|---|
| Ridgewood Savings Bank (this institution)10-Month Online CD Promo (New Money Only) · Promotional | 10 months | $100 | Branches in NY | 4.25% | October 22, 2026 |
| American Express National BankCertificate of Deposit (CD) · Promotional | 10 months | Not stated | Available nationwide | 4.40% | October 22, 2026 |
| Justice Federal Credit Union10-Month Special Certificate · Relationship | 10 months | $100,000 | Membership required · branches in 9 states | 4.25% | October 22, 2026 |
| Northwest Bank10 MTH CONSUMER CD SPECIAL · Promotional | 10 months | $500 | Branches in IN, NY, OH, PA | 3.85% | October 22, 2026 |
| Community First Credit Union (highest tracked APY for this term)CD Special: Pick Your Term · Promotional | 10 months | $5,000 | Membership required · branches in WI | 5.05% | October 22, 2026 |
| Treasury (APY-equivalent) | 10 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.51% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Ridgewood Savings Bank on October 22, 2026.
About Ridgewood Savings Bank
- Legal name
- Ridgewood Savings Bank
- Regulator ID
- FDIC 16026
- Headquarters
- Ridgewood, NY
- Available in
- NY
- Total assets
- $7.5 billion
- Also known as
- Website
- www.ridgewoodbank.com
Source: rates read from https://www.ridgewoodbank.com/home/rates/cds. See the page text we read.
Frequently asked questions
What is the highest CD rate at Ridgewood Savings Bank?
Among the rates we track, 4.25% APY on a 10-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a Ridgewood Savings Bank CD?
The lowest minimum we found is $100.
How does Ridgewood Savings Bank's best CD rate compare with Treasury yields?
4.25% APY is −0.26% versus the 10-month Treasury yield of 4.51% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.25% a good CD rate?
It is 2.4 times the FDIC national average for a similar term (1.76% 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 Ridgewood Savings Bank CDs insured?
Ridgewood Savings Bank is an FDIC-insured bank (FDIC 16026). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Ridgewood Savings Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Ridgewood Savings Bank's website and may change at any time. Confirm terms, minimums and eligibility with Ridgewood Savings Bank before opening an account. This page is not financial advice.