Bank · FDIC insured
Ridgewood Savings Bank Credit Card Rates
Top CarrotRidgewood Savings Bank credit card rates start at 12.74% APR. Rates checked October 16, 2026.
How Ridgewood Savings Bank’s credit card rates compare
Compared with banks and credit unions near New York, NY-NJ, where Ridgewood Savings Bank has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
Ridgewood Savings Bank
– –
No ongoing APR published
Lowest rate
Fox Federal Credit Union
6.95%APR
2nd-lowest rate
NYU Federal Credit Union
7.90%APR
Every rate
Current credit card rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Mastercard Platinum
Exclusively for Ridgewood deposit customers. Subject to credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.74%–20.74% | None | Standard variable purchase APR based on WSJ Prime Rate and creditworthiness. |
| Intro, 12 months | 0.00% | None | Introductory APR for 12 months on balance transfers made within 60 days of account opening. Balance transfer fee: either $10 or 3% (whichever is greater). After intro period, variable APR of 12.74% - 20.74% applies based on WSJ Prime Rate. |
| Intro, 6 months | 0.00% | None | Introductory APR for 6 months on purchases. After intro period, variable APR of 12.74% - 20.74% applies based on WSJ Prime Rate. |
Sources (1)
- ridgewoodbank.com/home/personal/cardpromotion · captured Oct 16, 2026
Mastercard Platinum Rewards
Exclusively for Ridgewood deposit customers. Subject to credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 16.74%–22.74% | None | Standard variable purchase APR based on WSJ Prime Rate and creditworthiness. Earn 1% cash back for every $1 spent. |
| Intro, 12 months | 0.00% | None | Introductory APR for 12 months on balance transfers made within 60 days of account opening. Balance transfer fee: either $10 or 3% of the amount of the transfer (whichever is greater). After intro period, variable APR of 16.74% - 22.74% applies based on WSJ Prime Rate. |
Sources (1)
- ridgewoodbank.com/home/personal/cardpromotion · captured Oct 16, 2026
Mastercard World
Exclusively for Ridgewood deposit customers. Subject to credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 16.74%–23.74% | $95 | Variable APR based on creditworthiness. $95 annual fee is waived for first year. Earn 3% cash back on travel and dining, 2% on gasoline, 1% on all other purchases. |
Sources (1)
- ridgewoodbank.com/home/personal/cardpromotion · captured Oct 16, 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.