IRA Certificates of Deposit (CDs)
| Product | Minimum to Open | Current Interest Rate | Current APY* |
|---|---|---|---|
| Flex IRA CD 10 Months | $100 | 0.83% | 0.85% |
| Flex IRA CD 20 Months | $100 | 0.93% | 0.95% |
| Flex IRA CD 30 Months | $100 | 1.03% | 1.05% |
Rates are effective as of 7/31/2020
| Product | Minimum to Open | Current Interest Rate | Current APY* |
|---|---|---|---|
| 90 Day CD | $500 | 0.34% | 0.35% |
| 6 Month CD | $500 | 0.39% | 0.40% |
| 9 Month CD | $500 | 0.54% | 0.55% |
| 12 Month CD | $500 | 0.64% | 0.65% |
| 15 Month Penalty Free CD** | $500 | 0.64% | 0.65% |
| 18 Month CD | $500 | 0.69% | 0.70% |
| 24 Month CD | $500 | 0.74% | 0.75% |
| 36 Month CD | $500 | 0.79% | 0.80% |
| 48 Month CD | $500 | 0.83% | 0.85% |
| 60 Month CD | $500 | 0.98% | 1.00% |
| 72 Month CD | $500 | 1.03% | 1.05% |
| 84 Month CD | $500 | 1.08% | 1.10% |
Rates are effective as of 7/27/2020
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* Annual Percentage Yield
** Maximum deposit is $250,000. Withdrawals cannot be made during the first 15 days of account opening. After the 15th day from account opening, the full balance may be withdrawn at any time. A Ridgewood savings or checking account required. No partial withdrawals of principal or interest are permitted at any time.
Fees charged on some accounts may reduce your earnings.
Early withdrawal penalties apply on CD accounts except the 15 Month Penalty Free CD.
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.