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Ridgewood Savings Bank


ACH Number: 226071033

Ridgewood Savings Bank is an FDIC insured institution headquartered at 7102 Forest Ave, Ridgewood, NY 11385.
It was founded in 1921 and has approximately $7 billion in assets. Customers can open an account at one of its 39 branches.

Deposit Rates - January 05, 2026

SAVINGS RATES APY MIN
SAV
3.50% $0 Compare
SAV
0.25% $0 Compare
CD RATES APY MIN
6 Mo CD
3.40% $100 Compare
9 Mo CD
3.75% $100 Compare
10 Mo CD
4.05% $100 Compare
12 Mo CD
3.65% $100 Compare
18 Mo CD
3.40% $100 Compare
24 Mo CD
3.40% $100 Compare
36 Mo CD
3.25% $100 Compare
48 Mo CD
3.25% $100 Compare
60 Mo CD
3.25% $100 Compare
MM RATES APY MIN
Money Market
0.25% $10,000 Compare
Money Market
3.85% $10,000 Compare
Money Market
0.35% $25,000 Compare
INT CHECKING RATES APY MIN
INTCK
0.25% $50,000




Loan Rates - January 05, 2026

MORTGAGE PURCHASE APR(%) MONTHLY PAYMENT
10 Year Fixed Conforming
6.72% $3,517.41
15 Year Fixed Conforming
6.78% $2,740.27
20 Year Fixed Conforming
7.00% $2,402.82
30 Year Fixed Conforming
7.23% $2,062.77
MORTGAGE REFINANCE APR(%) MONTHLY PAYMENT
10 Year Fixed Conforming
6.72% $3,517.41
15 Year Fixed Conforming
6.78% $2,740.27
20 Year Fixed Conforming
7.00% $2,402.82
30 Year Fixed Conforming
7.23% $2,062.77
See Other Mortgage Rates →
HOME EQUITY RATES APR(%) MONTHLY PAYMENT
Line of Credit
7.25% Varies
Compare with 0 RATE Line of Credit from Figure Home Equity Line Figure Home Equity Line
Compare with 6.24 RATE Line of Credit from Third Federal Savings and Loan Third Federal Savings and Loan
Compare with 6.95 RATE Line of Credit from Figure Home Equity Figure Home Equity
Compare with 6.95 RATE Line of Credit from Reliant Home Funding, Inc Reliant Home Funding, Inc
Compare with 7 RATE Line of Credit from Four Leaf Federal Credit Union Four Leaf Federal Credit Union
See Other Home Equity Rates →

Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 16026
Date Established 1921
Assets $ 7.31 billion
Loans $ 4.79 billion
Deposits $ 5.78 billion
Capital $ 900.25 million

Summary Balance Sheet as of June 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 349.14 million
Interest-bearing balances $ 319.45 million
Total securities $ 1,647.16 million
Federal funds sold and reverse repurchase $ 70.50 million
Net loans and leases $ 4.79 billion
Loan loss allowance $ 37.99 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.04 million
Goodwill and other intangibles $ 80.21 million
All other assets $ 274.88 million
     Total Assets $ 6.41 billion

LIABILITIES
Total deposits $ 5.78 billion
      Interest-bearing deposits $ 5.22 billion
      Deposits held in domestic offices $ 5.78 billion
      % insured (estimated)" 86.40%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 402.86 million
Subordinated debt N.A.
All other liabilities $ 114.65 millionn
      Total Liabilities $ 6.41 billion
      Shareholders’ Equity $ 900.25 million

Summary Income Statement as of June 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 140.59 million
Total Interest Expense $ 78.10 million
Net interest income $ 62.49 million
Provision for loan and lease losses $ 3.40 million
Total non interest income $ 7.66 million
Total non interest expense $ 55.24 million
Pre-tax Net Operating Income $ 31.79 million

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Branches

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Ridgewood Savings Bank Locations

Savings Comparison

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."

PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES

Tax Rate: 30%

All calculations are for demonstration purposes only."

  • 1
    ONLINE SAVINGS
    Ridgewood Savings Bank
    Bank
    -
    $50,000
    N.A.
    3.50%
    15.56x (National Avg. - 0.23%)
    $0
    -
    SCENARIO
    Year Rate
    3.50%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,750 1,225
    2 51,750 1,811 1,268
    3 53,561 1,875 1,312
    4 55,436 1,940 1,358
    5 57,376 2,008 1,406
    6 59,384 2,078 1,455
    7 61,463 2,151 1,506
    8 63,614 2,226 1,559
    9 65,840 2,304 1,613
    10 68,145 2,385 1,670
    11 70,530 2,469 1,728
    12 72,998 2,555 1,788
    13 75,553 2,644 1,851
    14 78,198 2,737 1,916
    15 80,935 2,833 1,983
    16 83,767 2,932 2,052
    17 86,699 3,034 2,124
    18 89,734 3,141 2,198
    19 92,874 3,251 2,275
    20 96,125 3,364 2,355
    TOTAL $49,489 $34,643
  • 2
    ONLINE SAVINGS
    First Foundation Bank , ★ TOP PICK ★
    Bank
    -
    $50,000
    N.A.
    3.75%
    16.67x (National Avg. - 0.23%)
    $1,000
    -
    SCENARIO
    Year Rate
    3.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,875 1,313
    2 51,875 1,945 1,362
    3 53,820 2,018 1,413
    4 55,839 2,094 1,466
    5 57,933 2,172 1,521
    6 60,105 2,254 1,578
    7 62,359 2,338 1,637
    8 64,697 2,426 1,698
    9 67,124 2,517 1,762
    10 69,641 2,612 1,828
    11 72,252 2,709 1,897
    12 74,962 2,811 1,968
    13 77,773 2,916 2,042
    14 80,689 3,026 2,118
    15 83,715 3,139 2,198
    16 86,854 3,257 2,280
    17 90,111 3,379 2,365
    18 93,491 3,506 2,454
    19 96,996 3,637 2,546
    20 100,634 3,774 2,642
    TOTAL $54,408 $38,085


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