APY on $10,000
3.85%
As of Nov 8, 2026. Rates are variable.
Ridgewood Savings Bank · Money market account
Ridgewood Smart Move Money Market
$205 a year on $10,000 at today’s 3.85% APY. $15 a month. $10,000 to open.
- A year on $10,000
- Receipt · A year on $10,000Checked Nov 8, 2026
Issuer's page · ridgewoodbank.com
The source states this figure; we have no exact sentence on file yet.
- Balance
- $10,000
- APY
- 3.85%
- Monthly fee, a year
- $180
- A year
- $205
- APY on $10,000
- Receipt · APYChecked Nov 8, 2026
Issuer's page · ridgewoodbank.com
The source states this figure; we have no exact sentence on file yet.
- Monthly fee
- Receipt · Monthly feeChecked Nov 8, 2026
Issuer's page · ridgewoodbank.com
The source states this figure; we have no exact sentence on file yet.
- To open
- Receipt · Minimum to openChecked Nov 8, 2026
Issuer's page · ridgewoodbank.com
The source states this figure; we have no exact sentence on file yet.
In dollars
What it earns in a year
Interest at the APY for each balance, minus any monthly fee you’d pay. Pick your balance; the rail’s figure follows it.
Against the market
How it ranks
#21of 174 money market accounts, by a year’s value on $10,000
All 174 money market accounts, rankedFeatures
- Interest bearing
- Online opening
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
Rates by balance
- $0 to $9,999.99
- 0.00%
- $10,000 to $74,999.99
- 3.85%
- $75,000 to $124,999.99
- 3.85%
- $125,000 to $250,000
- 3.85%
- $250,000.01 and up
- 0.25%
The bank’s rates · as of Nov 8, 2026
In the bank’s words
Terms
Rate conditions
- Balance needed for the APY
- $10,000ridgewoodbank.com, checked Nov 8, 2026
- APY paid on balances up to
- $250,000ridgewoodbank.com, checked Nov 8, 2026
Fees
- Monthly fee
- $15 a monthridgewoodbank.com, checked Nov 8, 2026
- Ways to avoid the monthly fee
- The $10 monthly maintenance fee is waived if a balance of $5,000 is maintained at the end of the statement cycle.ridgewoodbank.com, checked Nov 8, 2026
- Minimum to open
- $10,000ridgewoodbank.com, checked Nov 8, 2026
- Paper statements
- $5 a monthridgewoodbank.com, checked Nov 8, 2026
Who can open it
- Availability
- It can only be opened online and is available to new depositors only.ridgewoodbank.com, checked Nov 8, 2026
- Minimum age
- 18ridgewoodbank.com, checked Nov 8, 2026
FDIC-insured, up to $250,000 per depositor, per ownership category: FDIC BankFind.
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money