What are the current interest rates at Lake Ridge Bank?

Current rates for Lake Ridge Bank include: 12-Month CD: 2.17%, 24-Month CD: 2.37%, 36-Month CD: 2.63%, 48-Month CD: 2.78%, 60-Month CD: 2.93%, Savings: 0.25%, MMA: 0.40%

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Lake Ridge Bank Rates & Review August 2026

Q: How many branches does Lake Ridge Bank operate?

Lake Ridge Bank currently maintains approximately 20 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Lake Ridge Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Lake Ridge Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 28, 2026

Lake Ridge Bank's 32-Months 32-Month rates are at 3.80%, 22-Months 22-Month rates are at 3.19%, 13-Months 13-Month rates are at 3.02%, 59-Months 48-59-Month rates are at 2.93%, 60-Months 60-Month rates are at 2.93%. Lake Ridge Bank's savings rates are at 0.25%. Lake Ridge Bank's money market rates are at 0.40%. Lake Ridge Bank's 15-Year Fixed Rate rates are at 6.12%, 30-Year Fixed Rate rates are at 6.62%. MonitorBankRates evaluates the financial stability of Lake Ridge Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.24%. Rates last updated and verified on 08/28/2026.

Lake Ridge Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Lake Ridge Bank? Share your experience about Lake Ridge Bank by leaving a review below, or read customer reviews before you decide to use Lake Ridge Bank.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.24%

Excellent Lower than avg

Lake Ridge Bank

8301 University Ave
Middleton, WI 53562

https://www.lakeridge.bank

Lake Ridge Bank CD Rates

Product	Rate	APY	Term
32 month	3.75%	3.80%	32 Months
Min Deposit $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
22 month	3.15%	3.19%	22 Months
Min Deposit $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
13 month	2.99%	3.02%	13 Months
Min Deposit $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
48-59 month	2.90%	2.93%	59 Months
Min Balance $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
60 month	2.90%	2.93%	60 Months
Min Balance $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
36-47 month	2.75%	2.78%	47 Months
Min Balance $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
24-35 month	2.60%	2.63%	35 Months
Min Balance $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
12-23 month	2.35%	2.37%	23 Months
Min Balance $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
6-11 month	2.15%	2.17%	11 Months
Min Balance $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
3 month	1.75%	1.76%	3 Months
Min Balance $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%

Lake Ridge Bank Savings Rates

Product	Rate	APY
Statement Savings	2.70%	2.73%
Min Balance $10,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
LifeSavings HSA	1.70%	1.71%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
High Yield Savings	0.94%	0.94%
Min Balance $250,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
High Yield Savings	0.92%	0.92%
Min Balance $100,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
High Yield Savings	0.80%	0.80%
Min Balance $50,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
High Yield Savings	0.40%	0.40%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Business Savings	0.25%	0.25%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Forward Savings	0.25%	0.25%
Min Balance $100 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Junior Savings	0.25%	0.25%
Min Balance $25 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Statement Savings	0.25%	0.25%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%

Lake Ridge Bank Money Market Rates

Product	Rate	APY
Forward Money Market Plus	1.45%	1.46%
Min Balance $250,000 Details Balance computation method: We use daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest is compounded and paid quarterly. Your interest rate and Annual Percentage Yield may change. We may change the interest rate on your account at any time. Fees could reduce earnings on accounts. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Beyond Business Money Market	1.40%	1.41%
Min Balance $250,000 Details Balance computation method: We use daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest is compounded and paid quarterly. Your interest rate and Annual Percentage Yield may change. We may change the interest rate on your account at any time. Fees could reduce earnings on accounts. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Beyond Business Money Market	0.94%	0.94%
Min Balance $100,000 Details Balance computation method: We use daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest is compounded and paid quarterly. Your interest rate and Annual Percentage Yield may change. We may change the interest rate on your account at any time. Fees could reduce earnings on accounts. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Forward Money Market Plus	0.94%	0.94%
Min Balance $100,000 Details Balance computation method: We use daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest is compounded and paid quarterly. Your interest rate and Annual Percentage Yield may change. We may change the interest rate on your account at any time. Fees could reduce earnings on accounts. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Beyond Business Money Market	0.92%	0.92%
Min Balance $50,000 Details Balance computation method: We use daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest is compounded and paid quarterly. Your interest rate and Annual Percentage Yield may change. We may change the interest rate on your account at any time. Fees could reduce earnings on accounts. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Forward Money Market Plus	0.92%	0.92%
Min Balance $50,000 Details Balance computation method: We use daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest is compounded and paid quarterly. Your interest rate and Annual Percentage Yield may change. We may change the interest rate on your account at any time. Fees could reduce earnings on accounts. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Beyond Business Money Market	0.80%	0.80%
Min Balance $25,000 Details Balance computation method: We use daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest is compounded and paid quarterly. Your interest rate and Annual Percentage Yield may change. We may change the interest rate on your account at any time. Fees could reduce earnings on accounts. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Forward Money Market Plus	0.80%	0.80%
Min Balance $25,000 Details Balance computation method: We use daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest is compounded and paid quarterly. Your interest rate and Annual Percentage Yield may change. We may change the interest rate on your account at any time. Fees could reduce earnings on accounts. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Beyond Business Money Market	0.40%	0.40%
Min Balance $0 Details Balance computation method: We use daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest is compounded and paid quarterly. Your interest rate and Annual Percentage Yield may change. We may change the interest rate on your account at any time. Fees could reduce earnings on accounts. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
Forward Money Market Plus	0.40%	0.40%
Min Balance $0 Details Balance computation method: We use daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest is compounded and paid quarterly. Your interest rate and Annual Percentage Yield may change. We may change the interest rate on your account at any time. Fees could reduce earnings on accounts. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%

Lake Ridge Bank Checking Rates

Product	Rate	APY	View More
Forward Checking Plus	0.01%	0.01%
Min Balance $100 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%

Lake Ridge Bank Mortgage Rates

Product	Rate	Points	APR	Term
15-Year Fixed Rate	6.13%	0.000%	6.29%	15-Year Fixed Rate
Details 179 payments of $1403.53 at an interest rate of 6.125%?1 payment of $1403.94 at an interest rate of 6.125% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
30 Year Mortgage	-	-	6.73%	30 Year
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%
30-Year Fixed Rate	6.63%	0.000%	6.73%	30 Year Fixed Rate
Details 359 payments of $1056.51 at an interest rate of 6.625% ?1 payment of $1059.86 at an interest rate of 6.625% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%

Lake Ridge Bank Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity HELOC	-	-	5.24%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%

Lake Ridge Bank Credit Card Rates

Product	Rate	APR	View More
Visa Signature	-	13.50%
Details Regular APR: 13.50% Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.24%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Lake Ridge Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Lake Ridge Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Lake Ridge Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Lake Ridge Bank

Bank Holding Company LAKE RIDGE BCORP INC

Address 8301 University Ave, Middleton, WI 53562 · Dane

Website https://www.lakeridge.bank

FDIC Certificate # 15091

Established 01/01/1908

FDIC Insurance Date 01/01/1934

Domestic Offices 20

Total Branches 20

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 98/100

5.0

Exceptional Out of 5.0 Stars

3.24%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.6193%

Return on Equity (ROE) 6.2300%

Non-Performing Loans (NPL) 0.28%

Total Assets $3,274,376,000

Total Deposits $2,707,857,000

Equity Capital $339,447,000

Net Income $30,922,000

Headquarters Middleton

Total Branches and Offices 20

Source: FDIC | Last Updated 12/31/2025

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Frequently Asked Questions About Lake Ridge Bank

How many branches does Lake Ridge Bank operate?

Lake Ridge Bank currently maintains approximately 20 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Lake Ridge Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Lake Ridge Bank provides members with tools to manage their accounts and build a solid financial history.

Does Lake Ridge Bank offer online and mobile banking?

Most modern institutions like Lake Ridge Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.lakeridge.bank.