Get More for Your Money.
Pay Less for Ours.
As a mutual savings bank, we work for our customers and communities, not Wall Street. This gives us the freedom to offer better rates, fewer fees and more flexibility than you'll find at most banks. And, it's the reason we frequently reach out to our customers to learn how we can make their banking experience even better.
Rates That Help Your Money Go Further.
Whether you're saving for the future, buying your first home or teaching your child to save with their very first bank account, we want to help you and your family make the most of each opportunity. That's why we're proud to offer some of the best rates in the area:
FEATURED ACCOUNT RATES
Smart Move Online Savings Account
24-Month CD
Youth Savings Account
Premier Checking
Business Money Market Account
Smart Move Online Savings
3.50% APY2
Balances under $250,000
Premier Checking Account
0.10% APY5
Balances under $10,000
View interest rates for balances over $10,000 or Learn More About Our Checking Accounts
Business Money Market Account
2.00% APY6
Balances up to $5,000,000
FEATURED FINANCING RATES
15-Year Fixed-Rate Mortgage
6.000% | 6.16% APR7
0 points | CPM7:$8.44
30-Year Fixed-Rate Mortgage
6.500% | 6.60%
0 points | CPM8: $6.32
Home Equity Line of Credit
1 APY = Annual Percentage Yield.
2 Smart Move Online Savings: Fees charged on some accounts may reduce your earnings. Rates and terms are subject to change without notice. Rates are effective as of 7/01/2025.
3 24-Month CD: $500 minimum to open. Maximum deposit is $250,000. Penalty for early withdrawal. Rates and terms on all CDs are subject to change without notice. Rates are effective as of 7/01/2025.
4 Youth Savings Account: Customers must be 17 or younger to qualify for this account. Rates and terms are subject to change without notice. Fees charged on some accounts may reduce your earnings. Rates are effective as of 7/01/2025.
5 Premier Checking: Minimum opening deposit is $250. To avoid monthly maintenance fees, average daily balance of at least $5,000, OR your combined Ridgewood deposits total at least $25,000 at the end of your statement cycle. Rates are effective as of 7/01/2025.
6 Business Money Market: Balances of $5,000,000.01 and over receive a rate of 0.25% and APY of 0.25%. $15 monthly maintenance charge applies for accounts with an average daily balance below $10,000. Rates and terms are subject to change without notice. Fees may reduce earnings. Rates are effective as of 7/01/2025.
7 15- and 30-Year Fixed-Rate Mortgages: CPM = Cost Per Thousand borrowed. Except as otherwise set forth, rates are available for owner occupied properties located in the five boroughs of NYC, Nassau, Westchester, Suffolk, Putnam, Rockland and Fairfield counties. Maximum loan amounts apply. Rates and terms are subject to change without notice. Loan products and services subject to credit approval. Rates are effective as of 7/10/2025.
