See Our Rates
Our competitive rates are backed by local service, personalized guidance, and the strength of a community-focused bank.
Bigger Dreams Deserve Better Rates
Explore a range of rate options that reflect our commitment to helping individuals, families, and businesses thrive right here in our community.
Personal CD Specials
| Product | Min. Opening Balance | Interest Rate | APY* |
|---|---|---|---|
| 13 Months | $1,000 | 2.99% | 3.02% |
| 22 Months | $1,000 | 3.15% | 3.19% |
CD, Checking, Savings and Forward Money Market rates effective February 17, 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 / ESAs: 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 / ESAs 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 & Money Market ESAs: 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.
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 may 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.
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.
CD = Certificate of Deposit, IRA = Individual Retirement Account, ESA = Education Savings Account, HSA = Health Savings Account
Mortgage Rates
| Product | Rates | Points | APR* | Payment Schedule |
|---|---|---|---|---|
| 30-Year Fixed Rate | 5.750% | 0.000% | 5.844% | 359 payments of $962.90 at an interest rate of 5.750% 1 payment of $958.50 at an interest rate of 5.75% |
| 15-Year Fixed Rate | 5.500% | 0.000% | 5.654% | 179 payments of $1348.19 at an interest rate of 5.750% 1 payment of $1347.49 at an interest rate of 5.750% |
| WHEDA First Time Home Buyer (with MI and AQI < 80% AMI) | 5.750% | 0.000% | 6.064% | 120 payments of $1773.38 at an interest rate of 5.750% 15 payments of $1746.70 at an interest rate of 5.750% 224 payments of $1698.20 at an interest rate of 5.750% 1 payment of $1695.41 at an interest rate 5.750% |
| 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 February 24, 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%.
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.
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. 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. 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
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 | 2.80% | 2.84% |
Health Savings HSA
| Product | Interest Rate | APY* |
|---|---|---|
| LifeSavings HSA | 1.70% | 1.71% |
CD, Checking, Savings and Forward Money Market rates effective February 17, 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 / ESAs: 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 / ESAs 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 & Money Market ESAs: 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.
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 may 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.
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.
CD = Certificate of Deposit, IRA = Individual Retirement Account, ESA = Education Savings Account, HSA = Health Savings Account**APY = Annual Percentage Yield
Business Rates
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 February 17, 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 / ESAs: 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 / ESAs 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 & Money Market ESAs: 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, & 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 may change the interest rate on your account at any time. Fees could reduce earnings on accounts.
CD = Certificate of Deposit, IRA = Individual Retirement Account, ESA = Education Savings Account, HSA = Health Savings Account
Calculators
Whether you’re looking for low rates, great rewards, or credit-building tools, we have a Visa card to match your goals.
Calculators
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Whether you’re looking for low rates, great rewards, or credit-building tools, we have a Visa card to match your goals.
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