Affordable Home Financing

Owning your home is an exciting opportunity, but it also comes with big financial decisions. Our local mortgage consultants have deep experience serving a variety of homeownership goals and can provide the guidance and competitive options you need to buy, refinance or make improvements to your home.

24/7 Mobile Banking

Time is money, and our highly rated Mobile Banking app can help you make the most of both. Use it to manage your funds wherever you go, whenever it's convenient for you. Easily view your balance, deposit checks, pay bills, transfer funds to a friend and more.

Download the App today.

Money Management (MX)

Getting a better handle on your finances is easy with Money Management (MX), a powerful yet easy-to-use online budgeting tool available in Online Banking and on the Mobile Banking app that can link your Ridgewood Savings Bank accounts and accounts you have with other institutions to help you establish an accurate budget. It also helps you set savings goals, manage debt and monitor your financial health.

Tools to Help Protect Your Account

Real-time information is key to fighting fraud. With Card Controls available in our Mobile Banking app, you can receive instant alerts about your debit card activity, helping you spot suspicious transactions. And, this app gives you the ability to control your card right from your phone and even turn the card "off" if it's lost or stolen.

Debit Rewards Program

Every time you use your Ridgewood Debit Mastercard® for payment, you could be earning rewards, saving money or both. When you sign up for our free uChoose Rewards®¹ program, you'll automatically earn points, which you can redeem for travel, tickets, gift cards and much more. And, when you activate our Purchase Rewards program through Ridgewood Online Banking, you'll receive exclusive cash back offers from select retailers.

Guidance to Help You Plan, Invest & Protect

Along with supporting long-term goals, good financial planning can help provide more freedom and peace of mind today. Through Ridgewood Financial Services (RFS), you can access personalized insight and solutions to support your most important goals, like paying for college, saving for retirement and providing financial protection for your loved ones.

Business & Commercial Real Estate Lending

Whether you're starting a business or taking it to the next level, a business loan or line of credit through our partnership with Newtek® can be a great way to support your cash flow as you grow your business. And, if your plans include buying or refinancing commercial property, our experienced, local commercial real estate team is ready to help.