Fixed Rate Mortgages

Condo, Co-op, 1-4 Family Homes
Loans Up To $822,375 

1 to 4 Family, Condo, Co-opRateAPRPointsCPM
10 Year Fixed2.500%2.64%0$9.43
15 Year Fixed2.500%2.60%0$6.67
20 Year Fixed2.750%2.83%0$5.42
30 Year Fixed3.125%3.18%0$4.28
Bi-Weekly 30 Year Fixed*3.000%3.05%0$4.22
Rates are effective as of 10/22/2021




Apply now  Get prequalified

Learn More Meet Our Mortgage Consultants Schedule Telephone Call


Return to rates page


Meet Your Mortgage Consultants



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.

CPM = Cost Per Thousand Borrowed

*Requires direct debit from a Ridgewood Savings Bank checking account. Other products are available. For additional information on Mortgage Loans, please call our Mortgage Center at (866)-RSB-4111 or (866)-772-4111.

Loan products and services subject to credit approval.

Rates & terms are subject to change without notice.