|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Lake Ridge Bank Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: November 5, 2026
Lake Ridge Bank's Personal CD Specials - 32-Month rates are at 4.22%, Personal CD Specials - 22-Month rates are at 3.44%, 48-59-Months CD 48-59-Month rates are at 2.93%, CD 60-Month rates are at 2.93%, 36-47-Months CD 36-47-Month rates are at 2.78%. Lake Ridge Bank's savings rates are at 2.84%. Lake Ridge Bank's money market rates are at 1.46%. Lake Ridge Bank's checking rates are as high as 0.01%. Lake Ridge Bank's 15-Year Fixed Rate rates are at 6.625%, 30 Year Mortgage rates are at 6.981%, 30-Year Fixed Rate rates are at 6.875%. Lake Ridge Bank's Personal Loan Rates are as low as 13.50%. Lake Ridge Bank's Credit Card Rates are at 13.50%. Lake Ridge Bank's top CD rate of 4.22% APY on a 32 month CD is 47% higher than the MonitorBankRates national average of 2.87% APY for that term, and it has an A+ health rating. 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 2.83%. Rates last updated and verified on 11/05/2026. 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. Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends. Lake Ridge Bank CD Rates
Lake Ridge Bank Savings Rates
Lake Ridge Bank Business Savings Rates
Lake Ridge Bank Money Market Rates
Lake Ridge Bank Business Money Market Rates
Lake Ridge Bank Checking Rates
Lake Ridge Bank Mortgage Rates
Lake Ridge Bank Credit Card Rates
Lake Ridge Bank Personal Loan Rates
Lake Ridge Bank Other Rates
Financial Health HistoryLake Ridge Bank’s Texas Ratio stayed near 3.24% in Q3 2023 to 2.83% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
Powered by
MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates 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
Bank Name
Lake Ridge Bank
Website
https://www.lakeridge.bank
Address
8301 University Ave,
Middleton, WI 53562 · Dane
Bank Holding Company
LAKE RIDGE BCORP INC
FDIC Certificate #
15091
Regulator
FDIC
Established
January 1, 1908
FDIC Insurance Date
January 1, 1934
Domestic Offices
20
Total Branches
20
FDIC Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.83%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
1.0467%
Return on Equity (ROE)
10.1100%
Non-Performing Loans Ratio (NPL)
0.25%
Total Assets
$3,353,305,000
Total Deposits
$2,788,408,000
Equity Capital
$350,690,000
Net Income
$17,378,000
Headquarters
Middleton
Total Branches and Offices
20
Source: FDIC — Last Updated June 30, 2026
Customer Reviews
There are no reviews for Lake Ridge Bank yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Lake Ridge Bank
Frequently Asked Questions About Lake Ridge BankDoes Lake Ridge Bank offer CDs?Yes. Lake Ridge Bank current CD rates include its Personal CD Specials - 32-Month at 4.22% APY, its Personal CD Specials - 22-Month at 3.44% APY and its 48-59-Months CD 48-59-Month at 2.93% APY, verified by MonitorBankRates as of November 5, 2026. Are CDs from Lake Ridge Bank FDIC insured?Yes. Lake Ridge Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Lake Ridge Bank?The highest Lake Ridge Bank CD rate is its Personal CD Specials - 32-Month at 4.22% APY, verified by MonitorBankRates as of November 5, 2026. What CD terms does Lake Ridge Bank offer?Lake Ridge Bank CD rates are 2.17% APY for a 12 month CD, 3.44% APY for a 22 month CD, 2.37% APY for a 2 year CD, 4.22% APY for a 32 month CD, 2.63% APY for a 3 year CD, 2.78% APY for a 47 month CD, 2.78% APY for a 4 year CD, 2.93% APY for a 59 month CD and 2.93% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Lake Ridge Bank for its full lineup. What is the highest savings rate at Lake Ridge Bank?The highest Lake Ridge Bank savings rate is its High Yield Savings at 2.84% APY, verified by MonitorBankRates as of November 5, 2026. What is the highest money market rate at Lake Ridge Bank?The highest Lake Ridge Bank money market rate is its Forward Money Market Plus at 1.46% APY, verified by MonitorBankRates as of November 5, 2026. What is the highest checking rate at Lake Ridge Bank?The highest Lake Ridge Bank checking rate is its Forward Checking Plus at 0.01% APY, verified by MonitorBankRates as of November 5, 2026. What is the lowest 30 year fixed mortgage rate at Lake Ridge Bank?The lowest Lake Ridge Bank 30 year fixed mortgage rate is its 30-Year Fixed Rate at 6.875%, verified by MonitorBankRates as of November 5, 2026. Lake Ridge Bank mortgage rates are 6.875% for a 30 year mortgage and 6.625% for a 15 year mortgage. What is the lowest personal loan rate at Lake Ridge Bank?The lowest Lake Ridge Bank personal loan rate is its Visa Signature at 13.50% APR, verified by MonitorBankRates as of November 5, 2026. What is the lowest credit card APR at Lake Ridge Bank?The lowest Lake Ridge Bank credit card APR is its Visa Signature Credit Card at 13.50% APR, verified by MonitorBankRates as of November 5, 2026. 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. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Lake Ridge Bank rates compare?Lake Ridge Bank's top CD rate of 4.22% APY on a 32 month CD is 47% higher than the MonitorBankRates national average of 2.87% APY for that term, and it has an A+ health rating. Lake Ridge Bank's top rates are its 32-Months Personal CD Specials - 32-Month at 4.22% APY, its High Yield Savings at 2.84% APY, its Forward Money Market Plus at 1.46% APY, its Forward Checking Plus at 0.01% APY, its 15-Year Fixed Rate at 6.625%, its Visa Signature at 13.50% APR and its Visa Signature Credit Card at 13.50% APR, verified by MonitorBankRates on November 5, 2026. Current Lake Ridge Bank Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Banks
Grundy Bank
Bank Independent
Freedom Bank Columbia Falls, MT
Bank of Star Valley
Hometown National Bank
First State Bank Farnam, NE
Nebraska State Bank
The Harrison B&L Assoc.
FSB of Randolph County
Minnesota Lakes Bank
Valley Bank of Nevada
James Polk Stone Community Bank
FNB of Lacon
Beardstown Savings
First Central Savings Bank Glen Cove, NY
Peoples B&T Co. Ryan, OK
Phoenixville Federal B&T
Northeast Georgia Bank
Southern Independent Bank
State Bank of Bellingham
Havana National Bank
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
