Secured Loans

Should you be impacted by COVID-19 and need our support, we’re here to help.

For Eligible Mortgage Customers:

A range of hardship programs are available through our service provider, Cenlar FSB. Customer service representatives are available by phone to discuss your options.

(855) 752-8461
Monday–Friday 8:30 AM–8:00 PM (EST)
Saturday 8:30 AM–5:00 PM (EST)


For Existing Deposit Customers:

At the start of the pandemic, we implemented a variety of financial assistance programs to aid our customers experiencing hardships. We are extending these programs through August 1, 2020, which includes temporarily waiving the following fees:

  • All Overdraft fees
  • Ridgewood ATM and Debit Card fees (fees may still be charged by the ATM provider)
  • Early CD withdrawal penalties

We will also continue to offer an interest-free loan for up to 12 months and up to $10,000, to be secured by the balances held in certain consumer deposit accounts.*

To get started, please call your local branch or CLICK HERE to schedule an appointment and let us know the branch you would like to visit.


If you need additional support, please call your local branch or CLICK HERE to email us.

For Ridgewood Credit Card Customers:

Effective April 3, 2020, we will temporarily waive late fees on missed payments due on or before July 31, 2020.

Hardship programs are also available through our Card Member Services provider. Customer service representatives are available by phone, to discuss your options.

(855) 401-4743 
24 hours a day, seven days a week

For Small Businesses:

Ridgewood is participating in the Paycheck Protection Program (PPP).

Beware of scams:

Beware of scams that the Federal Trade Commission (FTC) is warning consumers about, as criminals may utilize Coronavirus fears to perpetrate fraudulent or identity theft related activities. Remember that Ridgewood Savings Bank will never call, text or email you to ask for your banking information. 


For additional information about COVID-19, get the latest report from the Centers for Disease Control at or your local health department website.

We will continue to monitor the situation and evaluate additional measures to support our customers and communities as the needs arise. Please continue to check our website for updated information.

*Restrictions and limits may apply. Offer subject to change without notice.