Ridgewood Savings Bank
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 - July 11, 2025
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
|
4.00% | $100 | Compare |
10 Mo CD
|
4.50% | $100 | Compare |
12 Mo CD
|
3.85% | $100 | Compare |
18 Mo CD
|
3.55% | $100 | Compare |
24 Mo CD
|
2.50% | $100 | Compare |
36 Mo CD
|
3.35% | $100 | Compare |
48 Mo CD
|
3.35% | $100 | Compare |
60 Mo CD
|
3.35% | $100 | Compare |
MM RATES | APY | MIN | |
---|---|---|---|
Money Market
|
0.25% | $10,000 | Compare |
Money Market
|
4.05% | $10,000 | Compare |
Money Market
|
0.35% | $25,000 | Compare |
INT CHECKING RATES | APY | MIN |
---|---|---|
INTCK
|
0.25% | $50,000 |
Loan Rates - July 11, 2025
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 |
HOME EQUITY RATES | APR(%) | MONTHLY PAYMENT | ||
---|---|---|---|---|
Line of Credit
|
7.25% | Varies | ||
Compare with 6.99 RATE Line of Credit from Third Federal Savings and Loan
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Compare with 7.75 RATE Line of Credit from Four Leaf Federal Credit Union
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Compare with RATE Line of Credit from PenFed Credit Union
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Compare with 8.5 RATE Line of Credit from Farmers Bank of Kansas City
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Overview 2025
General Bank Information
FDIC Insured | Yes |
FDIC Certificate | # 16026 |
Date Established | 1921 |
Assets | $ 7.30 billion |
Loans | $ 4.73 billion |
Deposits | $ 5.77 billion |
Capital | $ 882.07 million |
Summary Balance Sheet as of December 31, 2024
ASSETS | |
Cash & Balances due from depository institutions | $ 366.78 million |
Interest-bearing balances | $ 343.10 million |
Total securities | $ 1,655.30 million |
Federal funds sold and reverse repurchase | $ 94.64 million |
Net loans and leases | $ 4.73 billion |
Loan loss allowance | $ 35.62 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 | $ 6.42 billion |
LIABILITIES | |
Total deposits | $ 5.77 billion |
Interest-bearing deposits | $ 5.21 billion |
Deposits held in domestic offices | $ 5.77 billion |
% insured (estimated)" | 86.77% |
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 | $ 6.42 billion |
Shareholders’ Equity | $ 882.07 million |
Summary Income Statement as of December 31, 2024
INCOME AND EXPENSES | |
Total Interest Income | $ 69.56 million |
Total Interest Expense | $ 39.07 million |
Net interest income | $ 30.49 million |
Provision for loan and lease losses | $ 0.74 million |
Total non interest income | $ 3.83 million |
Total non interest expense | $ 26.84 million |
Pre-tax Net Operating Income | $ 31.79 million |
Customer Reviews for Ridgewood Savings Bank
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