Bank · FDIC insured
Ridgewood Savings Bank CD Rates
Top CarrotRidgewood Savings Bank’s best CD rate is 4.59% APY on a 2-year CD. Terms run from 3 months to 7 years. Rates checked October 16, 2026.
How Ridgewood Savings Bank’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where Ridgewood Savings Bank has the most branches. $10,000, best rate first.
This bank’s best
Ridgewood Savings Bank
4.59%APY
- Term
- 24 months
- Minimum
- $100
- Earns on $10,000
- $939
2-Year Treasury Indexed CD
Top rate
Liberty Bank of New Jersey
5.00%APY
- Term
- 4 months
- Minimum
- $1,000
- Earns on $10,000
- $164
2nd-highest rate
Palisades Credit Union
5.00%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $457
Ridgewood Savings Bank CD score
93
CD score
Higher than 94% of U.S. banks and credit unions
- 3–8 months3–8 mo3.55%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo4.59%
- 31–60 months31–60 mo3.40%
- QualifiedQualified4.59%
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 Ridgewood Savings Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
2-Year Treasury Indexed CD
4.59%APY · 1 term
Adjustable/variable yield account with no cap and a 0.25% floor. Yield is based on the 2-Year U.S. Treasury Rate on quarterly dates (March 1, June 1, September 1, December 1 or next business day) plus 0.25%. Maximum individual deposit of $500,000. Upon maturity rolls over into a regular 2-year fixed-rate CD. Available for consumers only.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsVariable yield based on the quarterly 2-year U.S. Treasury rate (yielding 4.34% as of August 31, 2026) plus 0.25%. No cap, 0.25% floor. Maximum individual deposit $500,000 | 4.59% | $939 |
Sources (3)
All captured Oct 5, 2026
10-Month Online CD Promo
4.25%APY · 1 term
Limited-time offer. New money only (none of the funds used to open may come from funds on deposit at Ridgewood Savings Bank). Must be opened online. One 10-month online CD per customer. Maximum deposit $500,000. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 10 monthsNew money only; maximum deposit $500,000; one per customer; must be opened online | 4.25% | $353 |
Sources (3)
All captured Oct 5, 2026
Certificates of Deposit
Up to 3.75%APY · 11 terms
Early withdrawal penalties apply on CD accounts. Guaranteed fixed rate of return for the entire term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months90 Day CD term | 2.50% | $62 |
| 6 months6 Month CD term | 3.55% | $176 |
| 9 months9 Month CD term | 3.75% | $280 |
| 12 months12 Month CD term | 3.70% | $370 |
| 18 months18 Month CD term | 3.60% | $545 |
| 24 months24 Month CD term | 3.60% | $733 |
| 36 months36 Month CD term | 3.30% | $1,023 |
| 48 months48 Month CD term | 3.30% | $1,387 |
| 60 months60 Month CD term | 3.40% | $1,820 |
| 72 months72 Month CD term | 3.25% | $2,115 |
| 84 months84 Month CD term | 3.25% | $2,509 |
Sources (1)
- ridgewoodbank.com/home/personal/cds · captured Oct 5, 2026
Special-purpose accounts
20-Month CD Special
4.10%APY · 1 term
Minimum deposit to open is $100. Early withdrawal penalties apply on CD accounts. Available also for IRA accounts.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 20 months20-Month CD Special term | 4.10% | $693 |
Sources (2)
All captured Oct 5, 2026
IRA Certificate of Deposit
Up to 3.75%APY · 11 terms
FDIC-insured IRA accounts. Each IRA CD may only be opened as part of an Individual Retirement Account relationship. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months90 Day CD term | 2.50% | $62 |
| 6 months6 Month CD term | 3.55% | $176 |
| 9 months9 Month CD term | 3.75% | $280 |
| 12 months12 Month CD term | 3.70% | $370 |
| 18 months18 Month CD term | 3.60% | $545 |
| 24 months24 Month CD term | 3.60% | $733 |
| 36 months36 Month CD term | 3.30% | $1,023 |
| 48 months48 Month CD term | 3.30% | $1,387 |
| 60 months60 Month CD term | 3.40% | $1,820 |
| 72 months72 Month CD term | 3.25% | $2,115 |
| 84 months84 Month CD term | 3.25% | $2,509 |
Sources (1)
- ridgewoodbank.com/home/personal/retirement · captured Oct 5, 2026
Retirement Flex CD
Up to 3.75%APY · 5 terms
Must be opened as part of an Individual Retirement Account (IRA) relationship. Minimum opening deposit $100; allows additional contributions of $20 or more anytime. Automatically renews at maturity. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 10 monthsAdditional contributions of $20 or more permitted anytime | 3.75% | $312 |
| 20 monthsAdditional contributions of $20 or more permitted anytime | 3.60% | $607 |
| 30 monthsAdditional contributions of $20 or more permitted anytime | 3.35% | $859 |
| 40 monthsAdditional contributions of $20 or more permitted anytime | 3.30% | $1,143 |
| 50 monthsAdditional contributions of $20 or more permitted anytime | 3.40% | $1,495 |
Sources (1)
- ridgewoodbank.com/home/personal/retirement · 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.