What are the current interest rates at Centreville Bank?

Current rates for Centreville Bank include: 12-Month CD: 2.50%, 18-Month CD: 2.25%, 24-Month CD: 2.50%, 36-Month CD: 2.25%, 48-Month CD: 2.25%, 60-Month CD: 0.49%, Savings: 0.05%, MMA: 1.40%

Centreville Bank Rates and Review February 2026

Content reviewed by

Brian McKay

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Centreville Bank Deposit Rates

Centreville Bank's Certificates of Deposit 7-Month CD Special (New Money)* Premium rates are at 3.80%, Certificates of Deposit 7-Month CD Special (New Money)* rates are at 3.55%, Certificates of Deposit 3-Month Premium rates are at 3.00%, Certificates of Deposit 1-Year Premium rates are at 2.75%, Certificates of Deposit 2-Year Premium rates are at 2.75%. Centreville Bank's savings rates are at 0.05%. Centreville Bank's money market rates are at 1.40%. Centreville Bank's Fixed Rate Jumbo Mortgages (Purchase or Refinance) rates are at 5.38%, Fixed Rate Jumbo Mortgages (Purchase or Refinance) rates are at 5.50%, Fixed Rate Mortgages (Purchase) rates are at 5.88%, Fixed Rate Jumbo Mortgages (Purchase or Refinance) rates are at 6.00%, Fixed Rate Jumbo Mortgages (Purchase or Refinance) rates are at 6.00%.

Centreville Bank

Rate Updates and Availability

Centreville Bank 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 Centreville Bank? Share your experience about Centreville Bank by leaving a review below, or read customer reviews before you decide to use Centreville Bank.

Centreville Bank Texas Ratio

Centreville Bank's Texas Ratio is at 4.53%, which is considered excellent. The Texas Ratio for Centreville Bank is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

MonitorBankRates Rating

5.0

Excellent

Out of 5.0 Stars

Centreville Bank has earned a Smart Rating of 5.0 out of 5 stars. 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.

Overall, Centreville Bank is a excellent bank worth considering, with an overall rating of 5.0 stars out of 5 stars.

Current Interest Rates

Rate

APY/APR

vs. Avg

12-Month CD

2.50%

2.38%

18-Month CD

2.25%

2.14%

24-Month CD

2.50%

2.17%

36-Month CD

2.25%

2.11%

48-Month CD

2.25%

2.10%

60-Month CD

0.49%

2.23%

Savings

0.05%

0.60%

MMA

1.40%

0.75%

30-Year Fixed

N/A

6.09%

Credit Card

N/A

14.10%

Personal Loan

N/A

11.27%

"N/A" indicates the product is not offered or the rate is unavailable.

Centreville Bank

1218 Main St
West Warwick, RI 02893

https://www.centrevillebank.com

MonitorBankRates

Official Financial Rating

5.0

★★★★★

EXCELLENT

🏆

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Centreville Bank CD Rates

Product	Rate	APY	Term
Certificates of Deposit 7-Month CD Special (New Money)*	-	3.55%	7-Month
Min Deposit$1,000 Last Updated 02/12/2026
Certificates of Deposit 3-Month Premium	-	3.00%	3-Month
Min Deposit$1,000 Last Updated 02/12/2026
Certificates of Deposit 1-Year Premium	-	2.75%	1-Year
Min Deposit$1,000 Last Updated 02/12/2026
Certificates of Deposit 2-Year Premium	-	2.75%	2-Year
Min Deposit$1,000 Last Updated 02/12/2026
Certificates of Deposit 3-Month	-	2.75%	3-Month
Min Deposit$1,000 Last Updated 02/12/2026
Certificates of Deposit 6-Month Premium	-	2.75%	6-Month
Min Deposit$1,000 Last Updated 02/12/2026
Certificates of Deposit 9-Month Premium	-	2.75%	9-Month
Min Deposit$1,000 Last Updated 02/12/2026
IRA CD 1 Year Premium	-	2.75%	1 Year
No additional details. Last Updated 02/12/2026
IRA CD 2 Year Premium	-	2.75%	2 Year
No additional details. Last Updated 02/12/2026
Certificates of Deposit 1-Year	-	2.50%	1-Year
Min Deposit$1,000 Last Updated 02/12/2026
Certificates of Deposit 18-Month Premium	-	2.50%	18-Month
Min Deposit$1,000 Last Updated 02/12/2026
Certificates of Deposit 2-Year	-	2.50%	2-Year
Min Deposit$1,000 Last Updated 02/12/2026
Certificates of Deposit 3-Year Premium	-	2.50%	3-Year
Min Deposit$1,000 Last Updated 02/12/2026
Certificates of Deposit 4-Year Premium	-	2.50%	4-Year
Min Deposit$1,000 Last Updated 02/12/2026
Certificates of Deposit 5-Year Premium	-	2.50%	5-Year
Min Deposit$1,000 Last Updated 02/12/2026
Certificates of Deposit 6-Month	-	2.50%	6-Month
Min Deposit$1,000 Last Updated 02/12/2026
Certificates of Deposit 9-Month	-	2.50%	9-Month
Min Deposit$1,000 Last Updated 02/12/2026
IRA CD 1 Year	-	2.50%	1 Year
No additional details. Last Updated 02/12/2026
IRA CD 18 Month Premium	-	2.50%	18 Month
No additional details. Last Updated 02/12/2026
IRA CD 2 Year	-	2.50%	2 Year
No additional details. Last Updated 02/12/2026
IRA CD 3 Year Premium	-	2.50%	3 Year
No additional details. Last Updated 02/12/2026
IRA CD 4 Year Premium	-	2.50%	4 Year
No additional details. Last Updated 02/12/2026
IRA CD 5 Year Premium	-	2.50%	5 Year
No additional details. Last Updated 02/12/2026
Certificates of Deposit 18-Month	-	2.25%	18-Month
Min Deposit$1,000 Last Updated 02/12/2026
Certificates of Deposit 3-Year	-	2.25%	3-Year
Min Deposit$1,000 Last Updated 02/12/2026
Certificates of Deposit 4-Year	-	2.25%	4-Year
Min Deposit$1,000 Last Updated 02/12/2026
Certificates of Deposit 5-Year	-	2.25%	5-Year
Min Deposit$1,000 Last Updated 02/12/2026
IRA CD 18 Month	-	2.25%	18 Month
No additional details. Last Updated 02/12/2026
IRA CD 3 Year	-	2.25%	3 Year
No additional details. Last Updated 02/12/2026
IRA CD 4 Year	-	2.25%	4 Year
No additional details. Last Updated 02/12/2026
IRA CD 5 Year	-	2.25%	5 Year
No additional details. Last Updated 02/12/2026
Certificates of Deposit 5-Year Burial Certificate	-	0.49%	5-Year
Min Deposit$200 Last Updated 02/12/2026
Certificates of Deposit 5-Year Burial Certificate Premium	-	0.49%	5-Year
Min Deposit$200 Last Updated 02/12/2026

Centreville Bank Savings Rates

Product	Rate	APY
High Yield Savings Account (New Money)	-	2.50%
Min Deposit$100,000 DetailsMinimum Daily Balance to Earn APY: $100,000.00 or greater Last Updated 02/12/2026
High Yield Savings Account (New Money)	-	2.25%
Min Deposit$50,000 DetailsMinimum Daily Balance to Earn APY: $50,000.00-$99,999.99 Last Updated 02/12/2026
High Yield Savings Account (New Money)	-	2.00%
Min Deposit$2,500 DetailsMinimum Daily Balance to Earn APY: $2,500.00-$49,999.99 Last Updated 02/12/2026
Business Elite Savings Tier 3	0.15%	0.15%
Min Deposit$2,500 DetailsBalances: $75,000.00 or greater Last Updated 02/12/2026
Business Elite Savings Tier 2	0.10%	0.10%
Min Deposit$2,500 DetailsBalances: $25,000.00 - $74,999.99 Last Updated 02/12/2026
Personal Plus Savings Account Tier 3	-	0.10%
Min Deposit$100,000 Min Balance$100,000 DetailsMinimum Daily Balance to Earn APY: $100,000 or greater Last Updated 02/12/2026
Business Advantage Savings	0.05%	0.05%
Min Deposit$100 Last Updated 02/12/2026
Business Elite Savings Tier 1	0.05%	0.05%
Min Deposit$2,500 DetailsBalances: $2,500.00 - $24,999.99 Last Updated 02/12/2026
Personal Plus Savings Account Tier 1	-	0.05%
Min Deposit$2,500 Min Balance$2,500 DetailsMinimum Daily Balance to Earn APY: $2,500-$49,999.99 Last Updated 02/12/2026
Personal Plus Savings Account Tier 2	-	0.05%
Min Deposit$50,000 Min Balance$50,000 DetailsMinimum Daily Balance to Earn APY: $50,000-$99,999.99 Last Updated 02/12/2026
Personal Savings Account	-	0.05%
Min Deposit$100 Last Updated 02/12/2026

Centreville Bank Money Market Rates

Product	Rate	APY
Business Elite Money Market	2.96%	2.75%
Min Deposit$500,000 DetailsBalances of $500,000.00 or greater Last Updated 02/12/2026
Business Elite Money Market	2.71%	2.50%
Min Deposit$25,000 DetailsBalances between $250,00.00 - $499,999.99 Last Updated 02/12/2026
Personal Premium Money Market	-	2.50%
Min Deposit$500,000 DetailsMinimum Daily Balance to Earn APY: $500,000 or greater Last Updated 02/12/2026
Business Elite Money Market	2.47%	2.25%
Min Deposit$100,000 DetailsBalances between $100,000.00 - $249,999.99 Last Updated 02/12/2026
Personal Premium Money Market	-	2.25%
Min Deposit$250,000 DetailsMinimum Daily Balance to Earn APY: $250,000-$499,999.99 Last Updated 02/12/2026
Personal Premium Money Market	-	2.00%
Min Deposit$100,000 DetailsMinimum Daily Balance to Earn APY: $100,000-$249,999.99 Last Updated 02/12/2026
Business Elite Money Market	1.78%	1.80%
Min Deposit$50,000 DetailsBalances between $50,000 - $99,999.99 Last Updated 02/12/2026
Personal Premium Money Market	-	1.80%
Min Deposit$50,000 DetailsMinimum Daily Balance to Earn APY: $50,000-$99,999.99 Last Updated 02/12/2026
Business Elite Money Market	1.59%	1.60%
Min Deposit$25,000 DetailsBalances between $25,000.00 - $49,999.99 Last Updated 02/12/2026
Personal Premium Money Market	-	1.60%
Min Deposit$25,000 DetailsMinimum Daily Balance to Earn APY: $25,000-$49,999.99 Last Updated 02/12/2026
Business Elite Money Market	1.39%	1.40%
Min Deposit$10,000 DetailsBalances between $10,000.00 - 24,999.99 Last Updated 02/12/2026
Personal Premium Money Market	-	1.40%
Min Deposit$10,000 DetailsMinimum Daily Balance to Earn APY: $10,000 - $24,999.99 Last Updated 02/12/2026

Centreville Bank Checking Rates

Product	Rate	APY	View More
Personal Premium Checking	-	0.05%
Min Deposit$100 DetailsAnnual Percentage Yield (APY) effective as of February 12, 2026 Last Updated 02/12/2026

Centreville Bank Mortgage Rates

Product	Rate	Points	APR	Term
Fixed Rate Jumbo Mortgages (Purchase or Refinance)	5.38%	-	5.43%	10 year
DetailsMinimum Loan Amount: $832,751 Last Updated 02/12/2026
Fixed Rate Jumbo Mortgages (Purchase or Refinance)	5.50%	-	5.54%	15 Year
DetailsMinimum Loan Amount: $832,751 Last Updated 02/12/2026
Fixed Rate Mortgages (Purchase)	5.88%	-	5.97%	30 Year
No additional details. Last Updated 02/12/2026
Fixed Rate Jumbo Mortgages (Purchase or Refinance)	6.00%	-	6.02%	30 Year
DetailsMinimum Loan Amount: $832,751 Last Updated 02/12/2026
Fixed Rate Jumbo Mortgages (Purchase or Refinance)	6.00%	-	6.03%	20 Year
DetailsMinimum Loan Amount: $832,751 Last Updated 02/12/2026

Centreville Bank Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan with Auto-Pay	-	-	6.75%	10 Years
No additional details. Last Updated 02/12/2026
HELOC	-	-	7.00%
DetailsRates effective as of February 12, 2026; Initial Disbursement at Closing: N/A Last Updated 02/12/2026
Home Equity Loan	-	-	7.00%	10 Years
No additional details. Last Updated 02/12/2026
Home Equity Loan with Auto-Pay	-	-	7.00%	15 Years
No additional details. Last Updated 02/12/2026
Home Equity Loan	-	-	7.25%	15 Years
No additional details. Last Updated 02/12/2026

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Centreville Bank 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 Centreville Bank 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 Centreville Bank's official website for the most current offers and terms.