Savings & Money Market Accounts

Savings Options To Help You Reach Your Financial Goals


It’s more important for you to save, and to have a plan to reach your goals through saving, then figuring out hard to understand savings options. Our line up of savings accounts give you the flexibility to save with small amounts over time, or with large deposits to earn greater interest. One account, or many, Lake Ridge Bank will help you find the right accounts for all your goals.

Our Line Up of Savings Products Will Help You Meet Your Financial Goals


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Build your savings with an emergency fund, vacation account, or just ensure your rainy-day money is there when you need it with our Forward Savings account. With no minimum balance requirement or monthly maintenance fee, more of your money is saved for when you need it.

Forward Savings Includes:

  • Earn interest on your deposits.2
  • Set up automatic transfers to build your account balance over time.
  • No limit or fee on withdrawals, ensuring your money stays your money.
  • No fee for multiple accounts, we’re here to help you reach your savings goals.

Plus all of our other great client benefits!

Our most rewarding account, our Forward Money Market, where your deposits will grow the fastest. Earn more interest2 when you’re maintaining a higher balance. 

Forward Money Market Includes:

  • Tiered interest paid on tiered balances of:
    • $0.01 - $24,999.99
    • $25,000.00 - $49,999.99
    • $50,000.00 - $99,999.99
    • $100,000.00 - $249,999.99
    • $250,00.00+
  • $2,500 average daily balance required to offset $10 monthly fee.
  • Check writing available.

Plus all of our other great client benefits!

Our easy-to-use High Yield Savings account offers you an incredible rate that will allow you grow your deposits faster than ever. Don't wait, open a High Yield Savings account today!

High Yield Savings Includes:

  • Earn higher interest on your deposits.
  • Tiered interest paid on tiered balances of:
    • $0.01 -$9,999.99
    • $10,000 and above
  • No monthly maintenance fees.
  • Minimum of $10,000 to open.
  • One withdrawal per month.
    • $25.00 fee for each withdrawal exceeding one per month.

Plus all of our other great client benefits!

Teach your kids good lifelong saving habits with an account designed just for them. With no minimum balance requirement or monthly maintenance fee, savings with us is easy and rewarding.

Junior Savings Includes:

  • Earns interest.2
  • No minimum balance or deposit requirements.
  • No monthly maintenance or low balance fees.


Plus all of our other great client benefits!

Lake Ridge Bank offers a variety of terms and interest rates so you can choose the best option for your needs. Talk to one of our experienced Personal Bankers to learn about our specials. We’re here to walk you through the best term for your goal and help you ladder your CDs to maximize your interest over time.

Plus all of our other great client benefits!

Health Savings Accounts are becoming an important option for many savers. If your employer offers you this option, let Lake Ridge Bank help you save for medical expenses today and in the future.

LifeSavings HSA Includes:

  • Earn interest2 on your deposits.
  • No minimum balance requirement.
  • No monthly or yearly maintenance fee.
  • Easy access to your deposits with your debit card and check writing options.
  • Track your spending online and with our mobile app.

Plus all of our other great client benefits!

Fixed-Rate Certificate of Deposit

Certificates of deposits3 , or CDs, are low-risk investments for money you don’t need for several months or years. We offer:

  • Terms from three months to five years
  • Fixed interest rate paid on entire balance
  • Quarterly paid interest
  • Automatic renewal terms and customizable terms 
  • Checking with no monthly fee for those who qualify
  • With a $2,500 minimum opening balance, you can start growing your money and your financial future

Have questions or ready to get started with a CD? Contact us today

Individual Retirement Accounts

If you’re looking to plan for your long-term future, IRAs can help you save more for retirement. Traditional and Roth IRA benefits and features include:

  • Tax-free growth on Roth IRAs4
  • Tax-deferred growth on Traditional IRAs5
  • "Catch-up" contributions available for individuals age 50 and over 
  • Certificate of Deposit, Variable Rate, and Money Market IRA options available 
  • Small minimum opening balance of $50 for Money Market IRAs
  • Interest compounded quarterly


Interested in getting started? Reach out to us today!


The Freedom to Bank from Anywhere

A world of options, right at your fingertips. Never lose access to your money and always be connected to great service.

1 Click here for a complete list of account fees and options.

2 Interest is paid on your daily ledger balance.

3 Penalty for early withdrawal on Fixed Rate Certificate of Deposit accounts.

4 Penalty for early withdrawal on Roth IRAs. Variable Rate IRA interest rates are adjusted quarterly.

5  Traditional IRA contributions may be tax deductible. Please consult your tax advisor for more information. Maximum annual contribution limits regulated by law. Tax-advantaged growth available to qualified individuals.