See Our Rates
Our competitive Lake Ridge Bank rates are backed by local service, personalized guidance, and the strength of a community-focused bank. Compare local bank rates from a community bank committed to helping Wisconsin customers make confident financial decisions.
Bigger Dreams Deserve Better Rates
Explore our range of community bank rates and rate options that reflect our commitment to helping individuals, families, and businesses thrive in our community.
Personal CD Specials
Compare CD (certificate of deposit) rates from a local Wisconsin community bank designed to help Wisconsin customers plan for their financial futures.
| Product | Min. Opening Balance | Interest Rate | APY* |
|---|---|---|---|
| 13 Months | $1,000 | 2.99% | 3.02% |
| 22 Months | $1,000 | 3.15% | 3.19% |
| 32 Months | $1,000 | 3.75% | 3.80% |
CD, Checking, Savings and Forward Money Market rates effective July 28, 2026 – Rates subject to change
**APY = Annual Percentage Yield
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.
Tiered-Rate Accounts: Forward Money Market Plus, Beyond Business Money Market, & High Yield Savings – Interest is calculated on the entire balance each day at the rate in effect for the balance tier.
Certificates of Deposit / IRAs: Checks you deposit into your account begin to earn interest on the business day you deposit them. Interest is compounded and paid quarterly. The interest rate will be paid until the maturity date of your CD. The Annual Percentage Yield assumes interest will remain on deposit until maturity. If you withdraw interest during the term, earnings will be reduced. A penalty may be imposed for early withdrawal. You may redeem automatically renewable CDs without penalty during the 10-day grace period following maturity. Additional deposits may be made according to terms and conditions of the account. Non-renewable CDs do not pay interest after maturity. Fees could reduce earnings on accounts.
Variable IRAs CDs: Checks you deposit into your account begin to earn interest on the business day you deposit them. Interest is compounded and paid quarterly. Your interest rate and Annual Percentage Yield may change. At our discretion, we may change the interest rate on your account at any time. The Annual Percentage yield assumes interest will remain on deposit until maturity. If you withdraw interest during the term, earnings will be reduced. A penalty may be imposed for early withdrawal. You may redeem automatically renewable CDs without penalty during the 10-day grace period following maturity. Additional deposits may be made according to terms and conditions of the account. Non-renewable CDs do not pay interest after maturity. Fees could reduce earnings on accounts.
Junior Savings & Money Market IRAs: Checks you deposit into your account begin to earn interest on the business day you deposit them. Interest is compounded and paid quarterly. Your interest rate and Annual Percentage Yield may change. At our discretion, we may change the interest rate on your account at any time. Fees could reduce earnings on accounts.
Forward Savings, LifeSavings HSA, Forward Money Market Plus, & Forward Checking Plus: Checks you deposit into your account begin to earn interest on the business day you deposit them. Interest is compounded and paid monthly. 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.
High Yield Savings: Checks you deposit into your account begin to earn interest on the business day you deposit them. Interest is compounded and paid monthly. Your interest rate and Annual Percentage Yield may change. We change the interest rate on your account at any time. Fees could reduce earnings on accounts. For each withdrawal exceeding one per month, a $25.00 fee will be imposed per withdrawal.
CD = Certificate of Deposit, IRA = Individual Retirement Account, HSA = Health Savings Account
Mortgage Rates
Compare current Wisconsin mortgage rates, including fixed rate mortgages, first time home buyer loans, construction loans, and refinance options. Whether you’re purchasing your first home, building a new one, or refinancing your existing mortgage, Lake Ridge Bank’s local lenders are here to help you compare home loan rates, explore your financing options, and find the mortgage solution that’s right for you.
| Product | Rates | Points | APR* | Payment Schedule |
|---|---|---|---|---|
| 30-Year Fixed Rate | 6.625% | 0.000% | 6.729% | 359 payments of $1056.51 at an interest rate of 6.625% 1 payment of $1059.86 at an interest rate of 6.625% |
| 15-Year Fixed Rate | 6.000% | 0.000% | 6.160% | 179 payments of $1392.36 at an interest rate of 6.000% 1 payment of $1393.47 at an interest rate of 6.000% |
| WHEDA First Time Home Buyer (with MI and AQI < 80% AMI) | 6.125% | 0.000% | 6.447% | 120 payments of $1843.33 at an interest rate of 6.125%, 19 payments of $1816.65 at an interest rate of 6.125%, 220 payments of $1768.15 at an interest rate of 6.125%, 1 payment of $1764.68 at an interest rate 6.125% |
| 1 Year Construction Loan | 3.890% | 0.000% | 4.831% | 12 payments of interest only on the amount of credit outstanding during the construction period at an interest rate of 3.890% 1 payment of $300,000 at maturity |
Home Loan Rates are effective July 28, 2026, all rates, points and programs are subject to change at any time. All loan products are subject to credit review and approval. Monthly payment amounts shown above do not include real estate taxes and homeowner’s insurance premium. Your actual payment obligation will be higher considering taxes and insurance premiums.
*APR = Annual Percentage Rate. APR will vary based on final loan amount and finance charges.
Fixed Rate Loans: Rates shown are based on a $165,000 loan amount for the purchase of a single-family home located in Wisconsin that will be used as a primary residence for a qualified borrower with a credit score of 740 or better, and a loan to value of 60%. Use these fixed-rate mortgage details as part of your mortgage rate comparison and home loan financing review, especially if you are comparing a fixed option with an adjustable-rate mortgage.
Construction Loans: Rate shown is based on a $300,000 loan amount for 12 months, interest payable monthly on advances made and a 20% down payment, 1–4-unit owner occupied with an established Lake Ridge Bank checking account with direct deposit. These construction loan rates Wisconsin borrowers see can support construction financing for eligible home projects.
WHEDA First Time Home Buyer (FTHB) Loans: This product is available to individuals who are purchasing a property that will be used as a primary residence and has not owned a principal residence or had no ownership (sole or joint) in a principal residence in the past 3 years. First time home buyer Wisconsin borrowers may use WHEDA loans, WHEDA loan rates, WHEDA financing, and eligible down payment assistance as part of first-time homebuyer programs. Rates shown are based on a $291,000 loan amount for the purchase of a single-family home located in Wisconsin that will be used as a primary residence for a qualified borrower with a credit score of 740 or better, and a loan to value of 97% with mortgage insurance (MI) and meets the annual qualified income (AQI) based on the area median income (AMI).
The information provided on this page is for comparative purposes only. Your actual rate, terms and costs could be different; get an official Loan Estimate before choosing a loan. For home financing or home loan preapproval questions, connect with Lake Ridge Bank for community bank lending guidance. Your rate, fees and terms may differ based on when your rate is locked, actual occupancy status, loan purpose, loan amount, credit score, debt to income ratio, loan to value and other product requirements and features.
Lake Ridge Bank | NMLS# 441735
Personal Deposit Rates
Compare current deposit account rates, including savings account interest rates, high yield savings account rates, money market account rates, IRA CD rates, savings account APYs, and other deposit account options. As a Wisconsin community bank, Lake Ridge Bank provides competitive savings rates and personalized guidance to help you grow your money.
CD Rates
| Product | Min. Opening Balance | Interest Rate | APY* |
|---|---|---|---|
| 3 Months | $1,000 | 1.75% | 1.76% |
| 6-11 Months | $1,000 | 2.15% | 2.17% |
| 12-23 Months | $1,000 | 2.35% | 2.37% |
| 24-35 Months | $1,000 | 2.60% | 2.63% |
| 36-47 Months | $1,000 | 2.75% | 2.78% |
| 48-59 Months | $1,000 | 2.90% | 2.93% |
| 60 Months | $1,000 | 2.90% | 2.93% |
Forward Money Market Plus
| Balance | Interest Rates | APY* |
|---|---|---|
| $0 to $24,999.99 | 0.40% | 0.40% |
| $25,000 to $49,999.99 | 0.80% | 0.80% |
| $50,000 to $99,999.99 | 0.92% | 0.92% |
| $100,000 to $249,999.99 | 0.94% | 0.94% |
| $250,000 and above | 1.45% | 1.46% |
Checking Accounts
| Product | Min. Opening Balance | Interest Rate | APY* |
|---|---|---|---|
| Forward Checking Plus | $100 | 0.01% | 0.01% |
Savings Accounts
| Product | Min. Opening Balance | Interest Rate | APY* |
|---|---|---|---|
| Junior Savings | $25 | 0.25% | 0.25% |
| Forward Savings | $100 | 0.25% | 0.25% |
High Yield Savings
| Product | Interest Rate | APY* |
|---|---|---|
| $0 to $9,999.99 | 0.25% | 0.25% |
| $10,000 and above | 2.70% | 2.73% |
Health Savings HSA
| Product | Interest Rate | APY* |
|---|---|---|
| LifeSavings HSA | 1.70% | 1.71% |
CD, Checking, Savings and Forward Money Market rates effective July 28, 2026 – Rates subject to change
**APY = Annual Percentage Yield
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.
Tiered-Rate Accounts: Forward Money Market Plus, Beyond Business Money Market, & High Yield Savings – Interest is calculated on the entire balance each day at the rate in effect for the balance tier.
Certificates of Deposit / IRAs: Checks you deposit into your account begin to earn interest on the business day you deposit them. Interest is compounded and paid quarterly. The interest rate will be paid until the maturity date of your CD. The Annual Percentage Yield assumes interest will remain on deposit until maturity. If you withdraw interest during the term, earnings will be reduced. A penalty may be imposed for early withdrawal. You may redeem automatically renewable CDs without penalty during the 10-day grace period following maturity. Additional deposits may be made according to terms and conditions of the account. Non-renewable CDs do not pay interest after maturity. Fees could reduce earnings on accounts.
Variable IRAs CDs: Checks you deposit into your account begin to earn interest on the business day you deposit them. Interest is compounded and paid quarterly. Your interest rate and Annual Percentage Yield may change. At our discretion, we may change the interest rate on your account at any time. The Annual Percentage yield assumes interest will remain on deposit until maturity. If you withdraw interest during the term, earnings will be reduced. A penalty may be imposed for early withdrawal. You may redeem automatically renewable CDs without penalty during the 10-day grace period following maturity. Additional deposits may be made according to terms and conditions of the account. Non-renewable CDs do not pay interest after maturity. Fees could reduce earnings on accounts.
Junior Savings & Money Market IRAs: Checks you deposit into your account begin to earn interest on the business day you deposit them. Interest is compounded and paid quarterly. Your interest rate and Annual Percentage Yield may change. At our discretion, we may change the interest rate on your account at any time. Fees could reduce earnings on accounts.
Forward Savings, LifeSavings HSA, Forward Money Market Plus, & Forward Checking Plus: Checks you deposit into your account begin to earn interest on the business day you deposit them. Interest is compounded and paid monthly. 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.
High Yield Savings: Checks you deposit into your account begin to earn interest on the business day you deposit them. Interest is compounded and paid monthly. Your interest rate and Annual Percentage Yield may change. We change the interest rate on your account at any time. Fees could reduce earnings on accounts. For each withdrawal exceeding one per month, a $25.00 fee will be imposed per withdrawal.
CD = Certificate of Deposit, IRA = Individual Retirement Account, HSA = Health Savings Account
Business Deposit Rates
Compare business savings account rates, business CD rates, business CDs, and other business deposit account options from a Wisconsin community bank committed to helping local businesses grow and succeed. Review current business CD rates Wisconsin companies can rely on and find the right savings solution for your business.
Savings Accounts
| Product | Interest Rate | APY* |
|---|---|---|
| Business Savings | 0.25% | 0.25% |
Beyond Business Money Market
| Balance | Interest Rates | APY* |
|---|---|---|
| $0 to $24,999.99 | 0.40% | 0.40% |
| $25,000 to $49,999.99 | 0.80% | 0.80% |
| $50,000 to $99,999.99 | 0.92% | 0.92% |
| $100,000 to $249,999.99 | 0.94% | 0.94% |
| $250,000 and above | 1.40% | 1.41% |
CD, Checking, Savings and Forward Money Market rates effective July 28, 2026 – Rates subject to change
**APY = Annual Percentage Yield
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.
Tiered-Rate Accounts: Forward Money Market Plus, Beyond Business Money Market, & High Yield Savings – Interest is calculated on the entire balance each day at the rate in effect for the balance tier.
Certificates of Deposit / IRAs: Checks you deposit into your account begin to earn interest on the business day you deposit them. Interest is compounded and paid quarterly. The interest rate will be paid until the maturity date of your CD. The Annual Percentage Yield assumes interest will remain on deposit until maturity. If you withdraw interest during the term, earnings will be reduced. A penalty may be imposed for early withdrawal. You may redeem automatically renewable CDs without penalty during the 10-day grace period following maturity. Additional deposits may be made according to terms and conditions of the account. Non-renewable CDs do not pay interest after maturity. Fees could reduce earnings on accounts.
Variable IRAs CDs: Checks you deposit into your account begin to earn interest on the business day you deposit them. Interest is compounded and paid quarterly. Your interest rate and Annual Percentage Yield may change. At our discretion, we may change the interest rate on your account at any time. The Annual Percentage yield assumes interest will remain on deposit until maturity. If you withdraw interest during the term, earnings will be reduced. A penalty may be imposed for early withdrawal. You may redeem automatically renewable CDs without penalty during the 10-day grace period following maturity. Additional deposits may be made according to terms and conditions of the account. Non-renewable CDs do not pay interest after maturity. Fees could reduce earnings on accounts.
Junior Savings & Money Market IRAs: Checks you deposit into your account begin to earn interest on the business day you deposit them. Interest is compounded and paid quarterly. Your interest rate and Annual Percentage Yield may change. At our discretion, we may change the interest rate on your account at any time. Fees could reduce earnings on accounts.
Forward Savings, LifeSavings HSA, Forward Money Market Plus, & Forward Checking Plus: Checks you deposit into your account begin to earn interest on the business day you deposit them. Interest is compounded and paid monthly. 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.
High Yield Savings: Checks you deposit into your account begin to earn interest on the business day you deposit them. Interest is compounded and paid monthly. Your interest rate and Annual Percentage Yield may change. We change the interest rate on your account at any time. Fees could reduce earnings on accounts. For each withdrawal exceeding one per month, a $25.00 fee will be imposed per withdrawal.
CD = Certificate of Deposit, IRA = Individual Retirement Account, HSA = Health Savings Account
Calculators
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Calculators
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