What are the current interest rates at BankNewport?

Current rates for BankNewport include: 18-Month CD: 4.25%, 24-Month CD: 4.25%, Savings: 1.75%, MMA: 1.75%

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BankNewport Rates & Review October 2026

Q: How many branches does BankNewport operate?

BankNewport currently maintains approximately 20 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, BankNewport does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, BankNewport provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 14, 2026

BankNewport's top rates as of October 14, 2026 are 4.50% APY on its 18-Month Business Personal CDs - Limited Time Offers CD, 1.75% APY on savings, 1.75% APY on money market accounts, 0.05% APY on checking, and 6.625% on its Conventional Fixed-Rate Mortgage - 15 Year, according to rates verified by MonitorBankRates. Other BankNewport CD rates include 18-Months 18-Month CD - New Money at 4.50%, 18-Month Personal CD - Limited Time Offer at 4.50%, and 18-Month Personal CDs - Limited Time Offers at 4.50%. Other BankNewport mortgage rates include Conventional Fixed-Rate Mortgages - 15 Year at 6.625%, Conventional Fixed-Rate Mortgage - 15 Year at 6.75%, and Conventional Fixed-Rate Mortgages - 15 Year at 6.75%. MonitorBankRates evaluates the financial stability of BankNewport with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.77%. Rates last updated and verified on 10/14/2026.

BankNewport money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at BankNewport? Share your experience about BankNewport by leaving a review below, or read customer reviews before you decide to use BankNewport.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.77%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

BankNewport

184 John Clarke Rd
Middletown, RI 02842

https://www.banknewport.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

BankNewport CD Rates

Product	Rate	APY	Term
18 Month CD - New Money	-	4.50%	18 months
Min Deposit $1,000 Details Limited Time Offer; New Money Only (funds on deposit with BankNewport less than 30 days); BankNewport personal checking account required for CD specials; early withdrawal penalty applies; offer may be withdrawn at any time Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
18 Month Personal CD - Limited Time Offer	-	4.50%	18 Month
Min Deposit $1,000 Details New Money Only; funds on deposit with BankNewport less than 30 days; BankNewport personal checking account required; penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
18 Month Personal CDs - Limited Time Offers	-	4.50%	18 Month
Min Deposit $1,000 Details New Money Only; New money is funds on deposit with BankNewport for less than 30 days; Requires BankNewport personal checking account; Offer may be withdrawn at any time Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
18-Month CD Special	-	4.50%	18 months
Min Deposit $1,000 Details New money only (funds on deposit with BankNewport less than 30 days); Limited time offer; BankNewport personal checking account required for CD/IRA specials; Apply online Last Updated 10/14/2026 Rate History 1 change since Sep 24, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25% Oct 3, 20264.50%▲ from 4.25% Sep 24, 20264.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
24 Month CD - New Money	-	4.50%	24 months
Min Deposit $1,000 Details Limited Time Offer; New Money Only (funds on deposit with BankNewport less than 30 days); BankNewport personal checking account required for CD specials; early withdrawal penalty applies; offer may be withdrawn at any time Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
24 Month Personal CD - Limited Time Offer	-	4.50%	24 Month
Min Deposit $1,000 Details New Money Only; funds on deposit with BankNewport less than 30 days; BankNewport personal checking account required; penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
24 Month Personal CDs - Limited Time Offers	-	4.50%	24 Month
Min Deposit $1,000 Details New Money Only; New money is funds on deposit with BankNewport for less than 30 days; Requires BankNewport personal checking account; Offer may be withdrawn at any time Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
24-Month CD Special	-	4.50%	24 months
Min Deposit $1,000 Details New money only (funds on deposit with BankNewport less than 30 days); Limited time offer; BankNewport personal checking account required for CD/IRA specials; Apply online Last Updated 10/14/2026 Rate History No change since Oct 3, 2026 · 4.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
18 or 24 month IRA Certificate - New Money	-	4.50%	18 or 24 months
Min Deposit $1,000 Details Limited Time Offer; New Money Only (funds on deposit with BankNewport less than 30 days); BankNewport personal checking account required for IRA specials; Apply in Branch; IRS penalties may apply for early withdrawal Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
24 or 18 month Personal CD - Limited Time Offer	-	4.50%	24 or 18 month
Min Deposit $1,000 Details New Money Only; funds on deposit with BankNewport for less than 30 days; BankNewport personal checking account required for CD specials; early withdrawal penalty applies; offer may be withdrawn at any time Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Personal CD Limited Time Offer - 18 Month New Money Only	-	4.50%	18 Month
Min Deposit $1,000 Details New money only (funds on deposit with BankNewport less than 30 days); BankNewport personal checking account required for CD specials; penalty for early withdrawal; offer may be withdrawn at any time Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Personal CD Limited Time Offer - 24 Month New Money Only	-	4.50%	24 Month
Min Deposit $1,000 Details New money only (funds on deposit with BankNewport less than 30 days); BankNewport personal checking account required for CD specials; penalty for early withdrawal; offer may be withdrawn at any time Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Personal CDs Limited Time Offers - 18 Month New Money	-	4.50%	18 Month
Min Deposit $1,000 Details New Money Only; funds must be new money on deposit with BankNewport for less than 30 days; BankNewport personal checking account required for CD specials; early withdrawal penalty applies Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Personal CDs Limited Time Offers - 24 Month New Money	-	4.50%	24 Month
Min Deposit $1,000 Details New Money Only; funds must be new money on deposit with BankNewport for less than 30 days; BankNewport personal checking account required for CD specials; early withdrawal penalty applies Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
18 Month CD - Existing Money	-	4.25%	18 months
Min Deposit $1,000 Details Limited Time Offer; with existing money; BankNewport personal checking account required for CD specials; early withdrawal penalty applies; offer can be withdrawn at any time Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
18 Month CDs	-	4.25%	18 months
Min Deposit $1,000 Details Personal CDs; Minimum to open a Certificate of Deposit is $1,000. A penalty will be imposed for early withdrawal during the term of the CD. Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
18 Month IRA Certificate	-	4.25%	18 months
No additional details. Last Updated 10/14/2026 Rate History 1 change since Sep 20, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50% Sep 24, 20264.25%▲ from 3.50% Sep 20, 20263.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
18 Month Personal CD - Limited Time Offer	-	4.25%	18 Month
Min Deposit $1,000 Details Existing money; BankNewport personal checking account required; penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
18 Month Premium Gold CDs	-	4.25%	18 months
Min Deposit $1,000 Details Minimum to open a Certificate of Deposit is $1,000. A penalty will be imposed for early withdrawal during the term of the CD. To be eligible for a Premium Gold CD, you must have at the time of account opening a BN Premium Checking Account. APY accurate as of October 14, 2026. Last Updated 10/14/2026 Rate History No change since Oct 3, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
24 Month CD - Existing Money	-	4.25%	24 months
Min Deposit $1,000 Details Limited Time Offer; with existing money; BankNewport personal checking account required for CD specials; early withdrawal penalty applies; offer can be withdrawn at any time Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
24 Month CDs	-	4.25%	24 months
Min Deposit $1,000 Details Personal CDs; Minimum to open a Certificate of Deposit is $1,000. A penalty will be imposed for early withdrawal during the term of the CD. Last Updated 10/14/2026 Rate History 1 change since Sep 24, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50% Oct 14, 20264.25%▲ from 3.50% Sep 24, 20263.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
24 Month IRA Certificate	-	4.25%	24 months
No additional details. Last Updated 10/14/2026 Rate History 1 change since Sep 20, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50% Oct 3, 20264.25%▲ from 3.50% Sep 20, 20263.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
24 Month Personal CD - Limited Time Offer	-	4.25%	24 Month
Min Deposit $1,000 Details Existing money; BankNewport personal checking account required; penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
24 Month Premium Gold CDs	-	4.25%	24 months
Min Deposit $1,000 Details Minimum to open a Certificate of Deposit is $1,000. A penalty will be imposed for early withdrawal during the term of the CD. To be eligible for a Premium Gold CD, you must have at the time of account opening a BN Premium Checking Account. APY accurate as of October 14, 2026. Last Updated 10/14/2026 Rate History 1 change since Sep 28, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50% Oct 3, 20264.25%▲ from 3.50% Sep 28, 20263.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
18 or 24 month IRA Certificate - Existing Money	-	4.25%	18 or 24 months
Min Deposit $1,000 Details Limited Time Offer; with existing money; BankNewport personal checking account required for IRA specials; Apply in Branch; IRS penalties may apply for early withdrawal Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
24 or 18 month Personal CD - Limited Time Offer	-	4.25%	24 or 18 month
Min Deposit $1,000 Details Existing money; BankNewport personal checking account required for CD specials; early withdrawal penalty applies; offer can be withdrawn at any time Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Personal CDs - 18 month	-	4.25%	18 months
Min Deposit $1,000 Details Early withdrawal penalty applies during the term Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Personal CDs - 24 month	-	4.25%	24 months
Min Deposit $1,000 Details Early withdrawal penalty applies during the term Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Personal CDs Limited Time Offers - 18 Month	-	4.25%	18 Month
Min Deposit $1,000 Details Existing money; BankNewport personal checking account required for CD specials; early withdrawal penalty applies; offer can be withdrawn at any time Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Personal CDs Limited Time Offers - 24 Month	-	4.25%	24 Month
Min Deposit $1,000 Details Existing money; BankNewport personal checking account required for CD specials; early withdrawal penalty applies; offer can be withdrawn at any time Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Premium Gold IRA - 18 month	-	4.25%	18 months
No additional details. Last Updated 10/14/2026 Rate History 1 change since Sep 20, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50% Oct 3, 20264.25%▲ from 3.50% Sep 20, 20263.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Premium Gold IRA - 24 month	-	4.25%	24 months
No additional details. Last Updated 10/14/2026 Rate History 1 change since Sep 20, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50% Oct 3, 20264.25%▲ from 3.50% Sep 20, 20263.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
15 Month CD	-	4.00%	15 months
Min Deposit $1,000 Details Limited Time Offer; with existing money; BankNewport personal checking account required for CD specials; early withdrawal penalty applies; offer can be withdrawn at any time Last Updated 10/14/2026 Rate History No change since Oct 3, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
15 Month IRA Certificate	-	4.00%	15 months
Min Deposit $1,000 Details Limited Time Offer; with existing money; BankNewport personal checking account required for IRA specials; Apply in Branch; IRS penalties may apply for early withdrawal Last Updated 10/14/2026 Rate History No change since Oct 3, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
15 Month Personal CD - Limited Time Offer	-	4.00%	15 Month
Min Deposit $1,000 Details Existing money; BankNewport personal checking account required; penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
15 Month Personal CDs	-	4.00%	15 month
Min Deposit $1,000 Details Existing money; A BankNewport personal checking account is required for CD specials; Offer can be withdrawn at any time Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Personal CDs Limited Time Offers - 15 Month	-	4.00%	15 Month
Min Deposit $1,000 Details Existing money; BankNewport personal checking account required for CD specials; early withdrawal penalty applies; offer can be withdrawn at any time Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
7 Month CD	-	3.75%	7 months
Min Deposit $1,000 Details Limited Time Offer; with existing money; BankNewport personal checking account required for CD specials; early withdrawal penalty applies; offer can be withdrawn at any time Last Updated 10/14/2026 Rate History No change since Oct 3, 2026 · 3.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
7 Month IRA Certificate	-	3.75%	7 months
Min Deposit $1,000 Details Limited Time Offer; with existing money; BankNewport personal checking account required for IRA specials; Apply in Branch; IRS penalties may apply for early withdrawal Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
7 Month Personal CD - Limited Time Offer	-	3.75%	7 Month
Min Deposit $1,000 Details Existing money; BankNewport personal checking account required; penalty for early withdrawal Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
7 Month Personal CDs	-	3.75%	7 month
Min Deposit $1,000 Details Existing money; A BankNewport personal checking account is required for CD specials; Offer can be withdrawn at any time Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Personal CDs Limited Time Offers - 7 Month	-	3.75%	7 Month
Min Deposit $1,000 Details Existing money; BankNewport personal checking account required for CD specials; early withdrawal penalty applies; offer can be withdrawn at any time Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
6 Month CDs	-	3.00%	6 months
Min Deposit $1,000 Details Personal CDs; Minimum to open a Certificate of Deposit is $1,000. A penalty will be imposed for early withdrawal during the term of the CD. Last Updated 10/14/2026 Rate History No change since Sep 24, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
6 Month IRA Certificate	-	3.00%	6 months
No additional details. Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
6 Month Premium Gold CDs	-	3.00%	6 months
Min Deposit $1,000 Details Minimum to open a Certificate of Deposit is $1,000. A penalty will be imposed for early withdrawal during the term of the CD. To be eligible for a Premium Gold CD, you must have at the time of account opening a BN Premium Checking Account. APY accurate as of October 14, 2026. Last Updated 10/14/2026 Rate History No change since Sep 28, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Personal CDs - 6 month	-	3.00%	6 months
Min Deposit $1,000 Details Early withdrawal penalty applies during the term Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Premium Gold IRA - 6 month	-	3.00%	6 months
No additional details. Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 3.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%

BankNewport Business CD Rates

Product	Rate	APY	Term
18 Month Business Personal CDs - Limited Time Offers	-	4.50%	18 Month
Min Deposit $1,000 Details New Money Only; funds on deposit with BankNewport for less than 30 days; BankNewport personal checking account required for CD specials; early withdrawal penalty applies Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
24 Month Business Personal CDs - Limited Time Offers	-	4.50%	24 Month
Min Deposit $1,000 Details New Money Only; funds on deposit with BankNewport for less than 30 days; BankNewport personal checking account required for CD specials; early withdrawal penalty applies Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
18 Month Business CDs	-	4.25%	18 months
Min Deposit $1,000 Details Minimum to open a Certificate of Deposit is $1,000. A penalty will be imposed for early withdrawal during the term of the CD. Last Updated 10/14/2026 Rate History No change since Oct 8, 2026 · 4.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
18 Month Business Personal CDs - Limited Time Offers	-	4.25%	18 Month
Min Deposit $1,000 Details Existing money; BankNewport personal checking account required for CD specials; early withdrawal penalty applies Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
24 Month Business CDs	-	4.25%	24 months
Min Deposit $1,000 Details Minimum to open a Certificate of Deposit is $1,000. A penalty will be imposed for early withdrawal during the term of the CD. Last Updated 10/14/2026 Rate History No change since Oct 8, 2026 · 4.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
24 Month Business Personal CDs - Limited Time Offers	-	4.25%	24 Month
Min Deposit $1,000 Details Existing money; BankNewport personal checking account required for CD specials; early withdrawal penalty applies Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
15 Month Business Personal CDs - Limited Time Offers	-	4.00%	15 Month
Min Deposit $1,000 Details Existing money; BankNewport personal checking account required for CD specials; early withdrawal penalty applies Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
7 Month Business Personal CDs - Limited Time Offers	-	3.75%	7 Month
Min Deposit $1,000 Details Existing money; BankNewport personal checking account required for CD specials; early withdrawal penalty applies Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
6 Month Business CDs	-	3.00%	6 months
Min Deposit $1,000 Details Minimum to open a Certificate of Deposit is $1,000. A penalty will be imposed for early withdrawal during the term of the CD. Last Updated 10/14/2026 Rate History No change since Oct 8, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%

BankNewport Savings Rates

Product	Rate	APY
Money Market Savings	-	0.20%
Min Deposit $2,500 Min Balance $75,000 Details Balance: $75,000.00+ Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Money Market Savings	-	0.15%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000.00 - $74,999.99 Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Money Market Savings	-	0.10%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
IRA Statement Savings	-	0.05%
Min Deposit $100 Min Balance $100 Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Money Market Savings	-	0.05%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Statement Savings	-	0.05%
Min Deposit $100 Min Balance $100 Details Tier 1; Balance: $100.00 - $2,499.99; Maintenance service charge of $3.00 if daily balance falls below $100.00 Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Statement Savings	-	0.05%
Min Deposit $100 Min Balance $2,500 Details Tier 2; Balance: $2,500.00 and over Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Money Market Savings	-	0.02%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500.00 - $9,999.99 Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 0.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%

BankNewport Business Savings Rates

Product	Rate	APY
Business Select Plus Money Market Savings	-	1.75%
Min Deposit $2,500 Min Balance $500,000 Details Tier 5; Balance: $500,000.00 and over Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 1.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Select Plus Money Market Savings	-	0.50%
Min Deposit $2,500 Min Balance $250,000 Details Tier 4; Balance: $250,000.00 - $499,999.99 Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Money Market Savings	-	0.20%
Min Deposit $2,500 Min Balance $75,000 Details Tier 5; Balance: $75,000.00+ Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Select Plus Money Market Savings	-	0.20%
Min Deposit $2,500 Min Balance $100,000 Details Tier 3; Balance: $100,000.00 - $249,999.99 Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Money Market Savings	-	0.15%
Min Deposit $2,500 Min Balance $50,000 Details Tier 4; Balance: $50,000.00 - $74,999.99 Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Select Plus Money Market Savings	-	0.15%
Min Deposit $2,500 Min Balance $50,000 Details Tier 2; Balance: $50,000.00 - $99,999.99 Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Money Market Savings	-	0.10%
Min Deposit $2,500 Min Balance $25,000 Details Tier 3; Balance: $25,000.00 - $49,999.99 Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Select Plus Money Market Savings	-	0.10%
Min Deposit $2,500 Min Balance $10,000 Details Tier 1; Balance: $10,000.00 - $49,999.99 Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Money Market Savings	-	0.05%
Min Deposit $2,500 Min Balance $10,000 Details Tier 2; Balance: $10,000.00 - $24,999.99 Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Statement Savings	-	0.05%
Min Deposit $100 Min Balance $100 Details Tier 1; Balance: $100.00 - $2,499.99 Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Statement Savings	-	0.05%
Min Deposit $100 Min Balance $2,500 Details Tier 2; Balance: $2,500.00+ Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Money Market Savings	-	0.02%
Min Deposit $2,500 Min Balance $2,500 Details Tier 1; Balance: $2,500.00 - $9,999.99 Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 0.02% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%

BankNewport Money Market Rates

Product	Rate	APY
Premium Money Market	-	1.75%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000.00 and over Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 1.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Premium Money Market	-	0.50%
Min Deposit $2,500 Min Balance $75,000 Details Balance: $75,000.00 - $249,999.99 Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Money Market Savings	-	0.20%
Min Deposit $2,500 Min Balance $75,000 Details Balance: $75,000.00+ Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Money Market Savings	-	0.15%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000.00 - $74,999.99 Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Premium Money Market	-	0.15%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000.00 - $74,999.99 Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Money Market Savings	-	0.10%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Money Market Savings	-	0.05%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Premium Money Market	-	0.05%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500.00 - $24,999.99 Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Money Market Savings	-	0.02%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500.00 - $9,999.99 Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 0.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%

BankNewport Business Money Market Rates

Product	Rate	APY
Business Premium Money Market	-	1.75%
Min Deposit $2,500 Min Balance $250,000 Details Tier 4; Balance: $250,000.00 and over Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 1.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Select Plus Money Market Savings	-	1.75%
Min Deposit $2,500 Min Balance $500,000 Details Tier 5; Balance: $500,000.00 and over Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 1.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Premium Money Market	-	0.50%
Min Deposit $2,500 Min Balance $75,000 Details Tier 3; Balance: $75,000.00 - $249,999.99 Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Select Plus Money Market Savings	-	0.50%
Min Deposit $2,500 Min Balance $250,000 Details Tier 4; Balance: $250,000.00 - $499,999.99 Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Money Market Savings	-	0.20%
Min Deposit $2,500 Min Balance $75,000 Details Tier 5; Balance: $75,000.00+ Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Select Plus Money Market Savings	-	0.20%
Min Deposit $2,500 Min Balance $100,000 Details Tier 3; Balance: $100,000.00 - $249,999.99 Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Money Market Savings	-	0.15%
Min Deposit $2,500 Min Balance $50,000 Details Tier 4; Balance: $50,000.00 - $74,999.99 Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Premium Money Market	-	0.15%
Min Deposit $2,500 Min Balance $25,000 Details Tier 2; Balance: $25,000.00 - $74,999.99 Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Select Plus Money Market Savings	-	0.15%
Min Deposit $2,500 Min Balance $50,000 Details Tier 2; Balance: $50,000.00 - $99,999.99 Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Money Market Savings	-	0.10%
Min Deposit $2,500 Min Balance $25,000 Details Tier 3; Balance: $25,000.00 - $49,999.99 Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Select Plus Money Market Savings	-	0.10%
Min Deposit $2,500 Min Balance $10,000 Details Tier 1; Balance: $10,000.00 - $49,999.99 Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Money Market Savings	-	0.05%
Min Deposit $2,500 Min Balance $10,000 Details Tier 2; Balance: $10,000.00 - $24,999.99 Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Premium Money Market	-	0.05%
Min Deposit $2,500 Min Balance $2,500 Details Tier 1; Balance: $2,500.00 - $24,999.99 Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Money Market Savings	-	0.02%
Min Deposit $2,500 Min Balance $2,500 Details Tier 1; Balance: $2,500.00 - $9,999.99 Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 0.02% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%

BankNewport Checking Rates

Product	Rate	APY	View More
BN Premium Checking	-	0.05%
Min Deposit $25 Min Balance $2,000 Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%

BankNewport Business Checking Rates

Product	Rate	APY	View More
Business BN Premium Checking	-	0.05%
Min Deposit $25 Min Balance $2,000 Last Updated 10/14/2026 Rate History No change since Sep 20, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%

BankNewport Mortgage Rates

Product	Rate	Points	APR	Term
Conventional Fixed-Rate Mortgage - 15 Year	6.625%	1.000	6.948%	15 Year
Details Maximum Loan Amount: $832,750.00; Monthly Payments per $200,000 Borrowed: $1,755.99; APR based on 25% down payment and 760+ credit score Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.95% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Conventional Fixed-Rate Mortgages - 15 Year	6.625%	1.000	6.948%	15 Year
Details Maximum Loan Amount: $832,750.00 Last Updated 10/14/2026 Rate History 1 change since Sep 20, 2026 · 6.57% → 6.95% ▲ 0.38 pts · high 6.95% / low 6.57% Oct 14, 20266.95%▲ from 6.57% Sep 20, 20266.57%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Conventional Fixed-Rate Mortgage - 15 Year	6.75%	0.500	6.992%	15 Year
Details Maximum Loan Amount: $832,750.00; Monthly Payments per $200,000 Borrowed: $1,769.82; APR based on 25% down payment and 760+ credit score Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Conventional Fixed-Rate Mortgages - 15 Year	6.75%	0.500	6.992%	15 Year
Details Maximum Loan Amount: $832,750.00 Last Updated 10/14/2026 Rate History 1 change since Sep 20, 2026 · 6.61% → 6.99% ▲ 0.38 pts · high 6.99% / low 6.61% Oct 14, 20266.99%▲ from 6.61% Sep 20, 20266.61%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Conventional Fixed-Rate Mortgage - 15 Year	7.00%	0.000	7.162%	15 Year
Details Maximum Loan Amount: $832,750.00; Monthly Payments per $200,000 Borrowed: $1,797.66; APR based on 25% down payment and 760+ credit score Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.16% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Conventional Fixed-Rate Mortgages - 15 Year	7.00%	0.000	7.162%	15 Year
Details Maximum Loan Amount: $832,750.00 Last Updated 10/14/2026 Rate History 1 change since Sep 20, 2026 · 6.79% → 7.16% ▲ 0.38 pts · high 7.16% / low 6.79% Oct 14, 20267.16%▲ from 6.79% Sep 20, 20266.79%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Conventional Fixed-Rate Mortgage - 20 Year	7.125%	0.875	7.369%	20 Year
Details Maximum Loan Amount: $832,750.00; Monthly Payments per $200,000 Borrowed: $1,565.64; APR based on 25% down payment and 760+ credit score Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.37% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Conventional Fixed-Rate Mortgages - 20 Year	7.125%	0.875	7.369%	20 Year
Details Maximum Loan Amount: $832,750.00 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.37% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Conventional Fixed-Rate Mortgage - 30 Year	7.25%	0.875	7.44%	30 Year
Details Maximum Loan Amount: $832,750.00; Monthly Payments per $200,000 Borrowed: $1,364.35; APR based on 25% down payment and 760+ credit score Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.44% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Conventional Fixed-Rate Mortgages - 30 Year	7.25%	0.875	7.44%	30 Year
Details Maximum Loan Amount: $832,750.00 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.44% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
30-Year Fixed-Rate Mortgage	7.50%	-	7.50%	30 years
Details As Low As; Rates as Low As 7.500%; Fixed-rate mortgage; APRs based on 45 day Rate Lock, 25% down, 760+ credit score; available in Rhode Island, Southeastern Massachusetts or Eastern Connecticut Last Updated 10/14/2026 Rate History 8 changes since Sep 16, 2026 · 7.00% → 7.50% ▲ 0.50 pts · high 7.50% / low 6.88% Oct 14, 20267.50%▲ from 7.38% Oct 12, 20267.38%▼ from 7.50% Oct 8, 20267.50%▲ from 7.25% Oct 3, 20267.25%▼ from 7.38% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Conventional Fixed-Rate Mortgage - 30 Year	7.375%	0.500	7.527%	30 Year
Details Maximum Loan Amount: $832,750.00; Monthly Payments per $200,000 Borrowed: $1,381.35; APR based on 25% down payment and 760+ credit score Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.53% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Conventional Fixed-Rate Mortgages - 30 Year	7.375%	0.500	7.527%	30 Year
Details Maximum Loan Amount: $832,750.00 Last Updated 10/14/2026 Rate History 1 change since Sep 20, 2026 · 6.90% → 7.53% ▲ 0.63 pts · high 7.53% / low 6.90% Oct 14, 20267.53%▲ from 6.90% Sep 20, 20266.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Conventional Fixed-Rate Mortgage - 20 Year	7.375%	0.500	7.571%	20 Year
Details Maximum Loan Amount: $832,750.00; Monthly Payments per $200,000 Borrowed: $1,595.93; APR based on 25% down payment and 760+ credit score Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.57% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Conventional Fixed-Rate Mortgages - 20 Year	7.375%	0.500	7.571%	20 Year
Details Maximum Loan Amount: $832,750.00 Last Updated 10/14/2026 Rate History 1 change since Sep 20, 2026 · 6.82% → 7.57% ▲ 0.75 pts · high 7.57% / low 6.82% Oct 14, 20267.57%▲ from 6.82% Sep 20, 20266.82%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Conventional Fixed-Rate Mortgage - 30 Year	7.50%	0.000	7.601%	30 Year
Details Maximum Loan Amount: $832,750.00; Monthly Payments per $200,000 Borrowed: $1,398.43; APR based on 25% down payment and 760+ credit score Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.60% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Conventional Fixed-Rate Mortgages - 30 Year	7.50%	0.000	7.601%	30 Year
Details Maximum Loan Amount: $832,750.00 Last Updated 10/14/2026 Rate History 1 change since Sep 20, 2026 · 6.97% → 7.60% ▲ 0.63 pts · high 7.60% / low 6.97% Oct 14, 20267.60%▲ from 6.97% Sep 20, 20266.97%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Conventional Fixed-Rate Mortgage - 20 Year	7.50%	0.000	7.63%	20 Year
Details Maximum Loan Amount: $832,750.00; Monthly Payments per $200,000 Borrowed: $1,611.19; APR based on 25% down payment and 760+ credit score Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.63% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Conventional Fixed-Rate Mortgages - 20 Year	7.50%	0.000	7.63%	20 Year
Details Maximum Loan Amount: $832,750.00 Last Updated 10/14/2026 Rate History 1 change since Sep 20, 2026 · 7.13% → 7.63% ▲ 0.50 pts · high 7.63% / low 7.13% Oct 14, 20267.63%▲ from 7.13% Sep 20, 20267.13%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Fixed-Rate FHA Mortgage	6.875%	0.000	7.996%	30 Year
No additional details. Last Updated 10/14/2026 Rate History 1 change since Sep 20, 2026 · 7.62% → 8.00% ▲ 0.38 pts · high 8.00% / low 7.62% Oct 12, 20268.00%▲ from 7.62% Sep 20, 20267.62%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Fixed-Rate FHA Mortgage	6.875%	0.000	7.996%	30 Year
No additional details. Last Updated 10/14/2026 Rate History 6 changes since Sep 16, 2026 · 7.62% → 8.00% ▲ 0.38 pts · high 8.12% / low 7.62% Oct 12, 20268.00%▼ from 8.12% Oct 8, 20268.12%▲ from 8.00% Oct 3, 20268.00%▼ from 8.12% Oct 1, 20268.12%▲ from 8.00% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%

BankNewport Home Equity & HELOC

Product	Rate	Points	APR	Term
Business Fixed Rate Home Equity Loans	6.625%	-	6.625%	10 Year
Details Rate/APR column; Monthly payment based on minimum loan amount $228.37; Minimum loan amount $20,000; Maximum loan to value 80%; Available only on Rhode Island, Southeastern Massachusetts, and Connecticut properties; First lien Last Updated 10/14/2026 Rate History 1 change since Sep 20, 2026 · 6.38% → 6.63% ▲ 0.25 pts · high 6.63% / low 6.38% Oct 14, 20266.63%▲ from 6.38% Sep 20, 20266.38%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Fixed Rate Home Equity Loan	6.625%	-	6.625%	10 Year
Details Minimum loan amount $20,000; Maximum loan to value 80%; Available only on Rhode Island, Southeastern Massachusetts, and Connecticut properties Last Updated 10/14/2026 Rate History 1 change since Sep 16, 2026 · 6.38% → 6.63% ▲ 0.25 pts · high 6.63% / low 6.38% Oct 8, 20266.63%▲ from 6.38% Sep 16, 20266.38%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Fixed Rate Home Equity Loans	6.875%	-	6.875%	15 Year
Details Rate/APR column; Monthly payment based on minimum loan amount $178.37; Minimum loan amount $20,000; Maximum loan to value 80%; Available only on Rhode Island, Southeastern Massachusetts, and Connecticut properties; First lien Last Updated 10/14/2026 Rate History 1 change since Sep 20, 2026 · 6.63% → 6.88% ▲ 0.25 pts · high 6.88% / low 6.63% Oct 14, 20266.88%▲ from 6.63% Sep 20, 20266.63%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Fixed Rate Home Equity Loan	6.875%	-	6.875%	15 Year
Details Minimum loan amount $20,000; Maximum loan to value 80%; Available only on Rhode Island, Southeastern Massachusetts, and Connecticut properties Last Updated 10/14/2026 Rate History 1 change since Sep 16, 2026 · 6.63% → 6.88% ▲ 0.25 pts · high 6.88% / low 6.63% Oct 8, 20266.88%▲ from 6.63% Sep 16, 20266.63%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Home Equity Line of Credit - Standard Line of Credit	-	-	7.00%
Details Minimum Loan Amount: $20,000.00; Initial Disbursement at Closing: N/A; Variable APR based on the Prime Rate as published by The Wall Street Journal; Maximum loan to value 80% Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.00% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%

BankNewport Other Rates

Product	Rate	Points	APY/APR	Term
Business First-Time Homebuyer Income Limit Loan Program	6.25%	0	6.303%	30 Year
Details Rate includes a 0.125 discount with an automatic payment from a BankNewport checking account; Maximum household income is $92,818; Maximum Loan Amount: $736,000 1 Unit, $828,700 2 Units Last Updated 10/14/2026 Rate History 1 change since Sep 20, 2026 · 6.93% → 6.30% ▼ 0.63 pts · high 6.93% / low 6.30% Sep 28, 20266.30%▼ from 6.93% Sep 20, 20266.93%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Standard First-Time Homebuyer Program Loan	7.625%	0	7.678%	30 Year
Details Maximum Loan Amount: $736,000 1 Unit / $828,700 2 Units; Rate includes a 0.125 discount with an automatic payment from a BankNewport checking account Last Updated 10/14/2026 Rate History 5 changes since Sep 20, 2026 · 7.30% → 7.68% ▲ 0.38 pts · high 7.80% / low 7.30% Oct 14, 20267.68%▲ from 7.55% Oct 3, 20267.55%▼ from 7.80% Oct 1, 20267.80%▲ from 7.68% Sep 28, 20267.68%▲ from 7.43% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
First-Time Homebuyer Income Limit Loan Program	6.25%	0	6.303%	30 Year
Details Rate includes a 0.125 discount with an automatic payment from a BankNewport checking account; Maximum household income is $92,818; Maximum Loan Amount: $736,000 1 Unit, $828,700 2 Units Last Updated 10/14/2026 Rate History 1 change since Sep 16, 2026 · 6.93% → 6.30% ▼ 0.63 pts · high 6.93% / low 6.30% Sep 24, 20266.30%▼ from 6.93% Sep 16, 20266.93%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Standard First-Time Homebuyer Program Loan	7.625%	0	7.678%	30 Year
Details Maximum Loan Amount: $736,000 1 Unit / $828,700 2 Units; Monthly Payments per $400,000 Borrowed: $2,831.17; Rate includes 0.125 discount with automatic payment from a BankNewport checking account, subject to terms and requirements Last Updated 10/14/2026 Rate History 2 changes since Sep 20, 2026 · 7.30% → 7.68% ▲ 0.38 pts · high 7.80% / low 7.30% Oct 14, 20267.68%▼ from 7.80% Oct 1, 20267.80%▲ from 7.30% Sep 20, 20267.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Standard First-Time Homebuyer Program Loan	7.625%	0	7.678%	30 Year
Details Maximum Loan Amount: $736,000 1 Unit, $828,700 2 Units; Rate includes a 0.125 discount with an automatic payment from a BankNewport checking account, subject to terms and requirements Last Updated 10/14/2026 Rate History 2 changes since Sep 20, 2026 · 7.30% → 7.68% ▲ 0.38 pts · high 7.80% / low 7.30% Oct 14, 20267.68%▼ from 7.80% Oct 1, 20267.80%▲ from 7.30% Sep 20, 20267.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
IRA Certificate - 18 months	-	-	4.25%	18 months
Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
IRA Certificate - 24 months	-	-	4.25%	24 months
Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
IRA Certificate - 6 months	-	-	3.00%	6 months
Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Personal IRA - Limited Time Offer	-	-	4.50%	24 or 18 month
Min Deposit $1,000 Details New Money Only; funds on deposit with BankNewport for less than 30 days; BankNewport personal checking account required for IRA specials; IRS penalties may apply for early withdrawal; Apply in Branch; offer may be withdrawn at any time Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Personal IRA - Limited Time Offer	-	-	4.25%	24 or 18 month
Min Deposit $1,000 Details Existing money; BankNewport personal checking account required for IRA specials; IRS penalties may apply for early withdrawal; Apply in Branch; offer can be withdrawn at any time Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Personal IRA - Limited Time Offer	-	-	4.00%	15 month
Min Deposit $1,000 Details Existing money; BankNewport personal checking account required for IRA specials; IRS penalties may apply for early withdrawal; Apply in Branch; offer can be withdrawn at any time Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Personal IRA - Limited Time Offer	-	-	3.75%	7 month
Min Deposit $1,000 Details Existing money; BankNewport personal checking account required for IRA specials; IRS penalties may apply for early withdrawal; Apply in Branch; offer can be withdrawn at any time Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.75% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%

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Financial Health History

BankNewport’s Texas Ratio rose from 3.03% in Q3 2023 to 7.77% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$3.1B	7.77%	5.0	A
March 31, 2026	$3.1B	5.99%	5.0	A+
December 31, 2025	$3.0B	4.48%	5.0	A+
September 30, 2025	$3.0B	7.45%	5.0	A
June 30, 2025	$3.0B	6.62%	5.0	A
March 31, 2025	$2.9B	6.94%	5.0	A
December 31, 2024	$2.8B	6.74%	5.0	A
September 30, 2024	$2.8B	1.92%	5.0	A+
June 30, 2024	$2.8B	1.50%	5.0	A+
March 31, 2024	$2.7B	4.95%	5.0	A+
December 31, 2023	$2.7B	4.37%	5.0	A+
September 30, 2023	$2.6B	3.03%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for BankNewport is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather BankNewport rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with BankNewport's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name BankNewport

Bank Holding Company OCEANPOINT FINL PARTNERS MHC

Address 184 John Clarke Rd, Middletown, RI 02842 · Newport

Website https://www.banknewport.com

FDIC Certificate # 18129

Established 18190101

FDIC Insurance Date 19600102

Domestic Offices 20

Total Branches 20

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 96/100

5.0

Exceptional Out of 5.0 Stars

7.77%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.6175%

Return on Equity (ROE) 6.1800%

Non-Performing Loans (NPL) 0.77%

Total Assets $3,067,450,000

Total Deposits $2,445,015,000

Equity Capital $304,620,000

Net Income $9,410,000

Headquarters Middletown

Total Branches and Offices 20

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

BankNewport earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://www.monitorbankrates.com/banks/banknewport-rates-review-18129">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for BankNewport yet. Feel free to create one below.

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Frequently Asked Questions About BankNewport

How many branches does BankNewport operate?

BankNewport currently maintains approximately 20 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, BankNewport does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, BankNewport provides members with tools to manage their accounts and build a solid financial history.

Does BankNewport offer online and mobile banking?

Most modern institutions like BankNewport provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.banknewport.com.

Current BankNewport Rates

18-Month CD4.25%
24-Month CD4.25%
Savings1.75%
MMA1.75%

Retrieved from our database of financial products. Rates subject to change.

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BankNewport Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

BankNewport Texas Ratio

BankNewport Health Trend

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Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financial Health & Assets

BankNewport earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About BankNewport

How many branches does BankNewport operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does BankNewport offer online and mobile banking?

Current BankNewport Rates

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