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Ridgewood Savings Bank

Product terms with exact source passages
TermValueSource
APR for purchases—
APR for balance transfers—
APR for cash advances—
Penalty APRafter a late or returned payment—
Paying interestgrace period on new purchases—
Minimum interest charge$1Ridgewood Savings Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Annual feeNo Annual FeeRidgewood Savings Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Transaction fees
Cash advancethe greater of $10 or 4% of the amount, There is no annual fee for the Mastercard Platinum and the Mastercard Platinum Rewards. There is a $95 annual fee for the Mastercard World that is waived for the first year from account opening. For all cards, you will not be charged any interest if you pay your entire balance by the due date each month. The due date will be at least 25 days after the close of each billing cycle. If you are charged interest, the minimum interest charged will be no less than $1. The cash advance fee for all cards is either $10 or 4% of the amount of each cash advance (whichever is greater). The APR for cash advances is 23.99%. The Mastercard Platinum and the Mastercard Platinum Rewards fee for foreign transactions is 1.5% of each transaction in U.S. dollars. There is no foreign transaction fee for the Mastercard World. For all cards, the fee for each late payment is up to $35; the fee for each returned payment is up to $35; there is no over-the-credit limit fee.Ridgewood Savings Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Balance transferthe greater of $10 or 3% of the amount, The Introductory APR for balance transfers is 0% for 12 months, followed by a variable APR that is based on the WSJ Prime Rate and your creditworthiness. The rate as of 9/25/26 is 12.74% to 20.74%. The balance transfer must be completed within 60 days of account opening. You will be charged a balance transfer fee of either $10 or 3% of the amount of the transfer (whichever is greater) for each balance transfer.Ridgewood Savings Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Foreign transaction1.50% of the amount, There is no annual fee for the Mastercard Platinum and the Mastercard Platinum Rewards. There is a $95 annual fee for the Mastercard World that is waived for the first year from account opening. For all cards, you will not be charged any interest if you pay your entire balance by the due date each month. The due date will be at least 25 days after the close of each billing cycle. If you are charged interest, the minimum interest charged will be no less than $1. The cash advance fee for all cards is either $10 or 4% of the amount of each cash advance (whichever is greater). The APR for cash advances is 23.99%. The Mastercard Platinum and the Mastercard Platinum Rewards fee for foreign transactions is 1.5% of each transaction in U.S. dollars. There is no foreign transaction fee for the Mastercard World. For all cards, the fee for each late payment is up to $35; the fee for each returned payment is up to $35; there is no over-the-credit limit fee.Ridgewood Savings Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Penalty fees
Late paymentup to $35 — There is no annual fee for the Mastercard Platinum and the Mastercard Platinum Rewards. There is a $95 annual fee for the Mastercard World that is waived for the first year from account opening. For all cards, you will not be charged any interest if you pay your entire balance by the due date each month. The due date will be at least 25 days after the close of each billing cycle. If you are charged interest, the minimum interest charged will be no less than $1. The cash advance fee for all cards is either $10 or 4% of the amount of each cash advance (whichever is greater). The APR for cash advances is 23.99%. The Mastercard Platinum and the Mastercard Platinum Rewards fee for foreign transactions is 1.5% of each transaction in U.S. dollars. There is no foreign transaction fee for the Mastercard World. For all cards, the fee for each late payment is up to $35; the fee for each returned payment is up to $35; there is no over-the-credit limit fee.Ridgewood Savings Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Returned paymentup to $35 — There is no annual fee for the Mastercard Platinum and the Mastercard Platinum Rewards. There is a $95 annual fee for the Mastercard World that is waived for the first year from account opening. For all cards, you will not be charged any interest if you pay your entire balance by the due date each month. The due date will be at least 25 days after the close of each billing cycle. If you are charged interest, the minimum interest charged will be no less than $1. The cash advance fee for all cards is either $10 or 4% of the amount of each cash advance (whichever is greater). The APR for cash advances is 23.99%. The Mastercard Platinum and the Mastercard Platinum Rewards fee for foreign transactions is 1.5% of each transaction in U.S. dollars. There is no foreign transaction fee for the Mastercard World. For all cards, the fee for each late payment is up to $35; the fee for each returned payment is up to $35; there is no over-the-credit limit fee.Ridgewood Savings Bank · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website