Bank · FDIC insured
Ridgewood Savings Bank Savings Rates
Top CarrotRidgewood Savings Bank’s best savings rate is 3.75% APY on $10,000, with its Smart Move Money Market Account. Rates checked October 16, 2026.
How Ridgewood Savings Bank’s savings 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
3.75%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $375
Smart Move Money Market Account
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
Ridgewood Savings Bank savings score
97
Savings score
Higher than 99% of U.S. banks and credit unions
- $1,000 balance$1,0003.35%
- $10,000 balance$10,0003.75%
- $100,000 balance$100,0003.75%
- QualifiedQualified3.75%
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 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.
Smart Move Money Market Account
3.75%APY
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. For balances $0 - $9,999.99 there is no interest. The $15 monthly maintenance fee is waived if a balance of $5,000 is maintained at the end of the statement cycle. Monthly fee of $5 for paper statements. Overdraft coverage is not offered.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10,000 – $75,000Must be opened online; available to new depositors only. $15 monthly maintenance fee waived with $5,000 statement cycle end balance. $5 monthly fee for paper statements. | 3.75% | $375 | Must be opened online; available to new depositors only. $15 monthly maintenance fee waived with $5,000 statement cycle end balance. $5 monthly fee for paper statements. |
| $75,000 – $125,000Must be opened online; available to new depositors only. $15 monthly maintenance fee waived with $5,000 statement cycle end balance. $5 monthly fee for paper statements. | 3.75% | — | Must be opened online; available to new depositors only. $15 monthly maintenance fee waived with $5,000 statement cycle end balance. $5 monthly fee for paper statements. |
| $125,000 – $250,000Must be opened online; available to new depositors only. $15 monthly maintenance fee waived with $5,000 statement cycle end balance. $5 monthly fee for paper statements. | 3.75% | — | Must be opened online; available to new depositors only. $15 monthly maintenance fee waived with $5,000 statement cycle end balance. $5 monthly fee for paper statements. |
| Over $250,000Must be opened online; available to new depositors only. $15 monthly maintenance fee waived with $5,000 statement cycle end balance. $5 monthly fee for paper statements. | 0.25% | — | Must be opened online; available to new depositors only. $15 monthly maintenance fee waived with $5,000 statement cycle end balance. $5 monthly fee for paper statements. |
Sources (1)
- ridgewoodbank.com/home/personal/savings · captured Oct 16, 2026
Smart Move Online Savings Account
3.35%APY
Online-only savings account allows 24/7 access. No monthly fees. Fees charged on some accounts may reduce earnings. Rates and terms are subject to change without notice.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $250,000 | 3.35% | $335 |
| $250,000 and up | 0.25% | — |
Sources (1)
- ridgewoodbank.com/home/personal/savings · captured Oct 5, 2026
PowerFlex Money Market Account
0.25%APY
Check writing capabilities. The $15 monthly maintenance fee is waived if a balance of $1,000 is maintained at the end of the statement cycle.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000The $15 monthly maintenance fee is waived if a balance of $1,000 is maintained at the end of the statement cycle. | 0.20% | — | The $15 monthly maintenance fee is waived if a balance of $1,000 is maintained at the end of the statement cycle. |
| $10,000 – $25,000The $15 monthly maintenance fee is waived if a balance of $1,000 is maintained at the end of the statement cycle. | 0.25% | $25 | The $15 monthly maintenance fee is waived if a balance of $1,000 is maintained at the end of the statement cycle. |
| $25,000 and upThe $15 monthly maintenance fee is waived if a balance of $1,000 is maintained at the end of the statement cycle. | 0.35% | — | The $15 monthly maintenance fee is waived if a balance of $1,000 is maintained at the end of the statement cycle. |
Sources (1)
- ridgewoodbank.com/home/personal/savings · captured Oct 16, 2026
Passbook Savings
0.25%APY
Encourages savings by limiting withdrawals to in-person visits. Customers can make as many in-person deposits and withdrawals as they'd like. Automatic savings feature available to set up automated deposits. Fees charged on some accounts may reduce earnings. Rates and terms subject to change without notice.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.25% | $25 |
Sources (1)
- ridgewoodbank.com/home/personal/savings · captured Oct 5, 2026
Statement Savings
0.25%APY
Provides convenient access to savings with telephone banking, mobile banking, online banking and a Ridgewood ATM card. Fees charged on some accounts may reduce earnings. Rates and terms subject to change without notice.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.25% | $25 |
Sources (1)
- ridgewoodbank.com/home/personal/savings · captured Oct 5, 2026
Special-purpose accounts
Youth Savings Account
1.50%APY on $10,000
Must be 17 or younger to qualify for this account. Interested children need a Social Security card and must be able to sign or print their name to open an account. Account opened in the child's name with choice between passbook or monthly statements. Any amount over $0.25 can be deposited at any time. Bank matches up to $10 upon account opening (credited upon opening and reported as interest income with 1099-INT form). One account per person. No monthly service fees and no minimum balance to keep. Offer subject to change or termination at any time. Fees may reduce earnings. Rate and terms may change after account is opened.
| Part of the balance | Rate on that part |
|---|---|
| Up to $25,000 | 1.47% |
| Over $25,000 | 0.25% |
On $10,000 the tiers blend to about 1.50% APY, earning $150 a year.
Sources (2)
All captured Oct 5, 2026
Vacation and Holiday Club Savings Account
0.25%APY
An amount specified is automatically withdrawn on a set schedule (weekly, biweekly, monthly) from your Ridgewood Checking Account and deposited into your Vacation and Holiday Club Savings Account. A new or existing checking account is required. Fees charged on some accounts may reduce your earnings. Rates and terms are subject to change without notice.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.25% | $25 |
Sources (1)
- ridgewoodbank.com/home/personal/savings · 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.