*No monthly service fees, other service charges or fees may apply. Please see separate Disclosure of Service Charges.

¹ One account per person. Offer subject to change or termination at any time. Up to $10 will be credited upon account opening and will be reported as interest income with a 1099 form. Rate and terms may change after the account is opened. Fees may reduce earnings.

² APY = Annual Percentage Yield. Rates are effective as of 7/01/2025, the first $25,000 ($.01 to $25,000) of the balance will earn an interest rate of 1.47% with an annual percentage yield of 1.50%. Balances over $25,000 ($25,000.01 and greater) will earn an interest rate of 0.25% with an annual percentage yield (APY) of 0.25%. Rates are subject to change.

³ While supplies last.

⁴ A parent or legal guardian will be required to be the secondary joint owner on the account for students ages 14 to 17. 

⁵ Subject to credit approval. Student loan referrals are made through Ridgewood Savings Bank, and loans are offered and serviced by College Ave Student Loans. Program restrictions, terms and conditions may apply. Ridgewood Savings Bank and College Ave Student Loans reserve the right to modify or discontinue (in whole or in part) this loan program and its associated services and benefits at any time without notice.