# Ridgewood Savings Bank CD rates

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.

Canonical page: https://apyledger.com/cd-rates/ridgewood-savings-bank
Institution: Ridgewood Savings Bank (FDIC 16026)
Aliases: 
Status: live
Last verified: 2026-10-22T23:54:16.000Z (October 22, 2026)
Official source: https://www.ridgewoodbank.com/home/rates/cds
Coverage: 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.
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 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 90 Day CD | standard | 90 days | $100 | 2.50% | Not ZIP-priced | −1.79% | 2026-10-22T23:54:16.000Z | [Snapshot 439](https://apyledger.com/snapshots/439) |
| 6 Month CD | standard | 6 months | $100 | 3.55% | Not ZIP-priced | −0.85% | 2026-10-22T23:54:16.000Z | [Snapshot 439](https://apyledger.com/snapshots/439) |
| 9 Month CD | standard | 9 months | $100 | 3.75% | Not ZIP-priced | −0.73% | 2026-10-22T23:54:16.000Z | [Snapshot 439](https://apyledger.com/snapshots/439) |
| 10-Month Online CD Promo (New Money Only) | promotional | 10 months | $100 | 4.25% | Not ZIP-priced | −0.26% | 2026-10-22T23:54:16.000Z | [Snapshot 439](https://apyledger.com/snapshots/439) |
| 12 Month CD | standard | 12 months | $100 | 3.70% | Not ZIP-priced | −0.87% | 2026-10-22T23:54:16.000Z | [Snapshot 439](https://apyledger.com/snapshots/439) |
| 18 Month CD | standard | 18 months | $100 | 3.60% | Not ZIP-priced | −1.12% | 2026-10-22T23:54:16.000Z | [Snapshot 439](https://apyledger.com/snapshots/439) |
| 20-Month CD Special | promotional | 20 months | $100 | 4.10% | Not ZIP-priced | −0.67% | 2026-10-22T23:54:16.000Z | [Snapshot 439](https://apyledger.com/snapshots/439) |
| 24 Month CD | standard | 24 months | $100 | 3.60% | Not ZIP-priced | −1.27% | 2026-10-22T23:54:16.000Z | [Snapshot 439](https://apyledger.com/snapshots/439) |
| 36 Month CD | standard | 36 months | $100 | 3.30% | Not ZIP-priced | −1.65% | 2026-10-22T23:54:16.000Z | [Snapshot 439](https://apyledger.com/snapshots/439) |
| 48 Month CD | standard | 48 months | $100 | 3.30% | Not ZIP-priced | −1.68% | 2026-10-22T23:54:16.000Z | [Snapshot 439](https://apyledger.com/snapshots/439) |
| 60 Month CD | standard | 60 months | $100 | 3.40% | Not ZIP-priced | −1.61% | 2026-10-22T23:54:16.000Z | [Snapshot 439](https://apyledger.com/snapshots/439) |
| 72 Month CD | standard | 72 months | $100 | 3.25% | Not ZIP-priced | −1.80% | 2026-10-22T23:54:16.000Z | [Snapshot 439](https://apyledger.com/snapshots/439) |
| 84 Month CD | standard | 84 months | $100 | 3.25% | Not ZIP-priced | −1.84% | 2026-10-22T23:54:16.000Z | [Snapshot 439](https://apyledger.com/snapshots/439) |

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.