CD Rates So Good They'll Make You Smile

Our Rate Specials

Banking That’s More Than Personal, It’s Personalized

Lake Ridge Bank helps you simplify your financial life and experience the flexibility and convenience you need from your bank for a busy lifestyle. Our experienced associates are dedicated to helping you find solutions that work best for YOU. As a part of your community, we live, work, and play alongside you and your family. We are committed to providing each customer with a personalized experience focused on their needs. Lake Ridge Bank is here to make banking easy and prosperous for everyone in our community!

Digital Banking

Bank from anywhere, 24/7 with our digital banking solutions including mobile & online banking, digital wallet, Zelle®, and more.

Home Loans

Let our team of experienced Mortgage Lenders help you get into the home of your dreams. 

Financial & Retirement Planning*

Whether you are approaching retirement or changing jobs, we have the expertise to help. *Investment products are Not FDIC Insured, Not Bank Guaranteed and May Lose Value

Home Buying 101

Our favorite moment is when we can say, "Welcome to your new home." We know that purchasing a home can be stressful, and we're here to be your trusted partner. 

Featured Mortgage Rates

ALL RATES

Quick Start Guides

  • Click Here to view Merger Information Book
  • Click Here to view Current Consumer Easy Start Guide
  • Click Here to view Current Business Easy Start Guide
  • Click Here to see our Digital Banking Training Videos
  • Click Here to learn more about your new Lake Ridge Bank Credit Card

Banknotes

Banknotes Blog All Resources

Home Loan Rates are effectiveMay 30, 2023, all rates, points and programs are subject to change at any time. All loans are subject to credit approval.

 *APR = Annual Percentage Rate; APR will vary based on final loan amount and finance charges.

Conventional Loans: APRs are based on Purchase Transactions, on a loan amount of $165,000 with 40% down payment, 1 unit owner occupied.  Monthly payment does not include real estate taxes and homeowner’s insurance premium. The actual payment obligation may be higher.

Construction Loan: APRs are based on a loan amount of $300,000 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 banking relationship. 
Monthly payment does not include real estate taxes and homeowner’s insurance premium. The actual payment obligation may be higher.

Adjustable Rate Mortgages (ARM) loan rates are variable. The interest rate and subsequently your payment may change over the life of the loan. The interest rate is calculated by adding the Index (Weekly average yield on US Treasury adjusted to a constant maturity of one year) plus the margin. Contact a mortgage lender for our current rate and margin.

A 5/1 ARM loan payment can adjust after the 60th payment and every year thereafter for a total loan term of 30 years. A 7/1 ARM loan payment can adjust after the 84th payment and every year thereafter for a total loan term of 30 years. The 7/7/7 ARM loan payment can adjust after the 84th payment and every seven years thereafter with a total loan term of 21 years.

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 (LTV) ratio, etc.

Lake Ridge Bank | NMLS# 441735