CHOOSE ONE OR BOTH – IT’S UP TO YOU!
10 MONTH ONLINE
CD SPECIAL
SMART MOVE ONLINE
MONEY MARKET
CHOOSE ONE OR BOTH – IT’S UP TO YOU!
10 MONTH ONLINE
CD SPECIAL
SMART MOVE ONLINE
MONEY MARKET
Boost Your Earnings, Effortlessly
Whether you choose to lock in 4.25% APY1 with a 10 Month Online CD, or keep your money easily accessible with a 4.05% APY2 Smart Move Online Money Market Account on balances of $10,000 to $250,000, our amazing rates will help you reach your savings goals sooner.
Risk-Free Growth
Keep your money growing safely with FDIC deposit insurance.3
24/7 Access
Monitor your account anytime, anywhere with our secure digital tools.
Get a Great Rate in Minutes
Open your account online to start earning interest immediately.
Discover the Community Bank Advantage
Ridgewood Savings Bank has been helping individuals, families and businesses
in New York achieve their financial goals for over 100 years.
Check out this video to see how we multiply the good in our communities.
Experience the Service
At Ridgewood, it’s easy to bank when, where and how you want. Discover sophisticated solutions for every stage of life – backed by the latest technology and a long tradition of personalized attention.
LEADING-EDGE PRODUCTS
Offering a wide array of consumer, business, lending and investment solutions
UNMATCHED CONVENIENCE
Branches throughout the NY Metro area, 90,000 ATMs worldwide and a 7-day-a-week local contact center
POWERFUL DIGITAL TOOLS
A highly rated mobile app, ID protection, free financial education and much more
DEEP COMMUNITY ROOTS
More than a century of helping people to simplify their lives and meet their goals
Coming This Fall To Yaphank
We’re thrilled to be expanding our
award-winning services to eastern
Long Island.
Here For Life’s Journey
Whether you are just starting out or enjoying your golden years, Ridgewood Savings Bank is here, with products and services that support you every step of the way.OUR COMMUNITIES
We’re proud to serve the diverse and vibrant neighborhoods across New York City’s five boroughs, Long Island, and Westchester County. Learn more about our local branches and the people who keep them running.- Queens
- Manhattan
- Westchester
We’ll Help You and Your Money Go Far
As a mutual savings bank, we have the freedom to focus on what’s best for our customers. Generations of New Yorkers have counted on Ridgewood for financial products and services with the dependability of a trusted local bank.Ridgewood Savings Bank Blog
Check out our blog for stories and information from Ridgewood Savings Bank!- Annual Percentage Yield (APY) disclosed is effective as of January 8, 2025. The minimum balance to open the 10 Month CD is $100 and the maximum amount deposited in the 10 month CD is $500,000. Early withdrawal penalties apply on CD accounts. None of the funds used to open this account may come from funds on deposit at Ridgewood Savings Bank. One 10 month CD per customer and must be opened online. Rates and terms are subject to change without notice.
- Annual Percentage Yield (APY) disclosed is effective as of January 8, 2025, and may be changed by the Bank at any time, including after account opening. This special Smart Move Money Market offer is limited to consumers who do not have a deposit account either personally or as joint owner at Ridgewood. One Smart Move Money Market account per customer and must be opened online. A $10,000 minimum deposit is required to open the Smart Move Money Market account. Interest is earned based on the balance in the account at the end of each day in accordance with these tiers: $0 – $9,999: no interest; $10,000 – $74,999: 3.92% interest rate and 4.05% APY; $75,000 – $124,999: 3.92% interest rate and 4.05% APY; $125,000 – $250,000: 3.92% interest rate and 4.05% APY; over $250,000: .25% interest rate and .25% APY. The $15 monthly maintenance fee is waived if a balance of $5,000 is maintained at the end of the statement cycle. There is a monthly fee of $5 for paper statements. Overdraft coverage is not offered on the Smart Move Money Market account. Fees may reduce earnings. Offer may be withdrawn at any time without prior notice. Rates, terms and tiers are subject to change without notice.
- Up to insurable limits.
Products, services, terms and conditions are subject to change without notice.
