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Ridgewood Savings Bank

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Savings IRA

 

Product Minimum to Open Current Interest Rate Current APY* Open an IRA
IRA Super Saver $10 0.34% 0.35% OPEN AN IRA

 

LEARN MORE ABOUT OUR RETIREMENT ACCOUNTS

OPEN AN IRA SCHEDULE APPOINTMENT

 

IRA Certificates of Deposit (CDs)

 

Product Minimum to Open Current Interest Rate Current APY* Open an IRA
Retirement Flex 10 Month CD $100 3.87% 4.00% OPEN AN IRA
Retirement Flex 20 Month CD $100 3.44% 3.55% OPEN AN IRA
Retirement Flex 30 Month CD $100 3.30% 3.40% OPEN AN IRA
Retirement Flex 40 Month CD $100 3.25% 3.35% OPEN AN IRA
Retirement Flex 50 Month CD $100 3.25% 3.35% OPEN AN IRA  
 

Rates are effective as of 1/08/2025

LEARN MORE ABOUT OUR RETIREMENT ACCOUNTS

OPEN AN IRA SCHEDULE APPOINTMENT

Product Minimum to Open Current Interest Rate Current APY* Open an IRA
90 Day CD $100 2.44% 2.50% OPEN AN IRA
6 Month CD $100 3.30% 3.40% OPEN AN IRA
9 Month CD $100 3.87% 4.00% OPEN AN IRA
12 Month CD $100 3.63% 3.75% OPEN AN IRA
18 Month CD $100 3.44% 3.55% OPEN AN IRA
24 Month CD $100 3.39% 3.50% OPEN AN IRA
36 Month CD $100 3.25% 3.35% OPEN AN IRA
48 Month CD $100 3.25% 3.35% OPEN AN IRA
60 Month CD $100 3.25% 3.35% OPEN AN IRA
72 Month CD $100 3.44% 3.55% OPEN AN IRA
84 Month CD $100 3.44% 3.55% OPEN AN IRA

Rates are effective as of 1/08/2025

 

LEARN MORE ABOUT OUR RETIREMENT ACCOUNTS

OPEN AN IRA SCHEDULE APPOINTMENT

 

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* Annual Percentage Yield 

Fees charged on some accounts may reduce your earnings.

Early withdrawal penalties apply on CD accounts.

Each IRA certificate of deposit may only be opened as part of an Individual Retirement Account relationship and can only be opened at a branch.

Rates & terms are subject to change without notice.