Bank · FDIC insured
Lake Ridge Bank Savings Rates
Lake Ridge Bank’s best savings rate is 2.84% APY on $10,000, with its High Yield Savings. Rates checked October 16, 2026.
How Lake Ridge Bank’s savings rates compare
Compared with banks and credit unions near Madison, WI, where Lake Ridge Bank has the most branches. $10,000, best rate first.
This bank’s best
Lake Ridge Bank
2.84%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $284
High Yield Savings
Top rate
UMB Bank
3.71%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $371
2nd-highest rate
Associated Bank
3.20%APY
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000 a year
- $320
Lake Ridge Bank savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0000.40%
- $10,000 balance$10,0002.84%
- $100,000 balance$100,0002.84%
- QualifiedQualified2.84%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Lake Ridge Bank ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
High Yield Savings
2.84%APY
Tiered-rate account: interest is calculated on the entire balance each day at the rate in effect for the balance tier. Compounded and paid monthly. First monthly withdrawal is free; $25.00 fee per withdrawal exceeding one per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Tier applies to balances from $0 to $9,999.99. 1 free withdrawal per month, $25 for each additional withdrawal. | 0.25% | — | Tier applies to balances from $0 to $9,999.99. 1 free withdrawal per month, $25 for each additional withdrawal. |
| $10,000 and upTier applies to balances of $10,000 and above. 1 free withdrawal per month, $25 for each additional withdrawal. | 2.84% | $284 | Tier applies to balances of $10,000 and above. 1 free withdrawal per month, $25 for each additional withdrawal. |
Sources (3)
- lakeridge.bank/accounts-and-ca…avings-and-money-markets
- lakeridge.bank/rates
- lakeridge.bank/special-offers-…gh-yield-savings-account
All captured Oct 5, 2026
Forward Money Market Plus
0.40%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $25,000 | 0.40% | $40 |
| $25,000 – $50,000 | 0.80% | — |
| $50,000 – $100,000 | 0.92% | — |
| $100,000 – $250,000 | 0.94% | — |
| $250,000 and up | 1.46% | — |
Sources (1)
- lakeridge.bank/rates · captured Oct 5, 2026
Forward Savings
0.25%APY
Interest is compounded and paid monthly based on the daily ledger balance. Rates are subject to change at any time.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest is paid on daily ledger balance. Unlimited withdrawals included.Any balance | 0.25% | $25 | Interest is paid on daily ledger balance. Unlimited withdrawals included. |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
LifeSavings HSA
1.71%APY
Must be used for qualified medical expenses to avoid tax penalties. Interest is compounded and paid monthly based on daily ledger balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo monthly maintenance fee. Debit card, checks, and Bill Pay access for medical expenses.Any balance | 1.71% | $171 | No monthly maintenance fee. Debit card, checks, and Bill Pay access for medical expenses. |
Sources (2)
All captured Oct 5, 2026
Junior Savings
0.25%APY
Interest is compounded and paid quarterly. Checks deposited begin to earn interest on the business day deposited. Rates subject to change at bank's discretion.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.25% | $25 |
Sources (1)
- lakeridge.bank/rates · captured Oct 5, 2026
Smart Savings
0.25%APY
Designed for youth savers. Interest is paid on daily ledger balance (flat rate). Includes unlimited withdrawals and guardian online access. $50 bonus deposited directly within 30 days of opening with minimum $25 deposit for eligible new child accounts; expires September 30, 2026.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceEarn 0.25% APY on entire balance with no minimum balance required to earn APY. $50 bonus deposited within 30 days when opened with minimum $25 deposit for children without an existing account or prior bonus. Offer expires September 30, 2026.Any balance | 0.25% | $25 | Earn 0.25% APY on entire balance with no minimum balance required to earn APY. $50 bonus deposited within 30 days when opened with minimum $25 deposit for children without an existing account or prior bonus. Offer expires September 30, 2026. |
Sources (2)
- lakeridge.bank/accounts-and-ca…avings-and-money-markets
- lakeridge.bank/special-offers-…tions/smart-savers-offer
All captured Oct 5, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.