Saunderstown, Rhode Island Best CD Rates October 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Saunderstown, Rhode Island CD rates from banks and credit unions serving Rhode Island range from 0.01% to 4.50% APY, verified by MonitorBankRates as of October 14, 2026. Current Saunderstown, Rhode Island CD rates include BankNewportBankNewportA5.0 ★Texas Ratio: 7.77%Real return: +1.70%APY minus CPI (February 2026) offering 18 Month CD at 4.50% APY, Navy Federal Credit UnionNavy Federal Credit UnionA5.0 ★Texas Ratio: 8.14%Real return: +1.55%APY minus CPI (February 2026) offering 12 Month Special EasyStart Certificate at 4.35% APY, Bristol County Savings BankBristol County Savings BankA+5.0 ★Texas Ratio: 3.37%Real return: +1.54%APY minus CPI (February 2026) offering PRIME TIMETM Term Accounts - Certificate of Deposits and Individual Retirement Accounts - 18 Month at 4.34% APY, Eastern BankEastern BankA+5.0 ★Texas Ratio: 2.61%Real return: +1.50%APY minus CPI (February 2026) offering 18 Month CD/IRA CD at 4.30% APY, and Milford Federal BankMilford Federal BankA+5.0 ★Texas Ratio: 3.12%Real return: +1.45%APY minus CPI (February 2026) offering 18 Month Certificate at 4.25% APY. CD rates as of October 14, 2026 according to verified data from MonitorBankRates.
Saunderstown is a smaller community with no bank or credit union branches currently in our database. 300 institutions serving the Rhode Island area are available to Saunderstown residents, with CD rates as high as 4.50% APY from BankNewport. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 14, 2026
Compare Best CD Rates in Saunderstown, Rhode Island & the Surrounding Area
Saunderstown 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Shoreham Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.55%
CD Accounts - 3 Month
$0
3.90%
▲ 2.44% above Rhode Island avg
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average1.46%▲ 2.44% above avgNationally 2.09%
Details
Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 7 times
Bristol County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
PRIME TIMETM Term Accounts - Certificate of Deposits and Individual Retirement Accounts - 3 Month
$0
3.65%
▲ 2.19% above Rhode Island avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average1.46%▲ 2.19% above avgNationally 2.09%
Details
Balance: $1,000 & up
Rate History
No change since Oct 8, 2026 · 3.65% APY · checked 2 times
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
Certificate Accounts - 3 Month Premium
$50,000
3.65%
▲ 2.19% above Rhode Island avg
▼
Rate3.59%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average1.46%▲ 2.19% above avgNationally 2.09%
Details
Premium
Rate History
No change since Sep 22, 2026 · 3.65% APY · checked 3 times
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
Certificate Accounts - 3 Month
$500
3.55%
▲ 2.09% above Rhode Island avg
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average1.46%▲ 2.09% above avgNationally 2.09%
Details
Rate History
No change since Sep 22, 2026 · 3.55% APY · checked 3 times
Bank5 Connect
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
3 Month CD
$500
3.20%
▲ 1.74% above Rhode Island avg
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average1.46%▲ 1.74% above avgNationally 2.09%
Details
Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 8 times
Bristol County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
3 Month Certificate
$0
3.14%
▲ 1.68% above Rhode Island avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average1.46%▲ 1.68% above avgNationally 2.09%
Details
Balance: $5,000 - $1,000
Rate History
No change since Oct 8, 2026 · 3.14% APY · checked 2 times
Westerly Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Premier 3 Month CD Special
$500
3.00%
▲ 1.54% above Rhode Island avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average1.46%▲ 1.54% above avgNationally 2.09%
Details
Balance: $100,000 and above; Features 1 Penalty-Free Withdrawal & Unlimited Deposits; Requires a WCCU Checking Account at opening
Rate History
1 change since Sep 14, 2026 · 3.20% → 3.00% ▼ 0.20 pts · high 3.20% / low 3.00%
- Sep 22, 20263.00%▼ from 3.20%
- Sep 14, 20263.20%first recorded
Westerly Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Premier 3 Month CD Special
$500
2.85%
▲ 1.39% above Rhode Island avg
▼
Rate2.81%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average1.46%▲ 1.39% above avgNationally 2.09%
Details
Balance: $50,000 to $99,999.99; Features 1 Penalty-Free Withdrawal & Unlimited Deposits; Requires a WCCU Checking Account at opening
Rate History
1 change since Sep 14, 2026 · 3.05% → 2.85% ▼ 0.20 pts · high 3.05% / low 2.85%
- Sep 22, 20262.85%▼ from 3.05%
- Sep 14, 20263.05%first recorded
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
Certificate Of Deposit - 3 month
$1,000
2.75%
▲ 1.29% above Rhode Island avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average1.46%▲ 1.29% above avgNationally 2.09%
Details
Rate History
No change since Oct 13, 2026 · 2.75% APY
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
IRA Certificate Of Deposit - 3 month
$500
2.75%
▲ 1.29% above Rhode Island avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average1.46%▲ 1.29% above avgNationally 2.09%
Details
Minimum to Earn APY: $500
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 7 times
Westerly Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Premier 3 Month CD Special
$500
2.65%
▲ 1.19% above Rhode Island avg
▼
Rate2.62%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average1.46%▲ 1.19% above avgNationally 2.09%
Details
Balance: $25,000 to $49,999.99; Features 1 Penalty-Free Withdrawal & Unlimited Deposits; Requires a WCCU Checking Account at opening
Rate History
1 change since Sep 14, 2026 · 2.85% → 2.65% ▼ 0.20 pts · high 2.85% / low 2.65%
- Sep 22, 20262.65%▼ from 2.85%
- Sep 14, 20262.85%first recorded
Westerly Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Premier 3 Month CD Special
$500
2.50%
▲ 1.04% above Rhode Island avg
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average1.46%▲ 1.04% above avgNationally 2.09%
Details
Balance: $500 to $24,999.99; Features 1 Penalty-Free Withdrawal & Unlimited Deposits; Requires a WCCU Checking Account at opening
Rate History
1 change since Sep 14, 2026 · 2.70% → 2.50% ▼ 0.20 pts · high 2.70% / low 2.50%
- Sep 22, 20262.50%▼ from 2.70%
- Sep 14, 20262.70%first recorded
Eastern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
3 Month CD
$2,500
2.02%
▲ 0.56% above Rhode Island avg
▼
Rate2.00%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Rhode Island Average1.46%▲ 0.56% above avgNationally 2.09%
Details
Rate History
No change since Sep 30, 2026 · 2.02% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.55%
▲ 0.09% above Rhode Island avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average1.46%▲ 0.09% above avgNationally 2.09%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 1.55% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.50%
▲ 0.04% above Rhode Island avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average1.46%▲ 0.04% above avgNationally 2.09%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 1.50% APY
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3 Month CD
$0
1.00%
▼ 0.46% below Rhode Island avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average1.46%▼ 0.46% below avgNationally 2.09%
Details
Balance: $250.00 - $9,999.99
Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 2 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3 Month TD Choice CD
$0
1.00%
▼ 0.46% below Rhode Island avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average1.46%▼ 0.46% below avgNationally 2.09%
Details
Balance: $250.00 - $9,999.99; Standard APY
Rate History
No change since Oct 2, 2026 · 1.00% APY · checked 2 times
Greenwood Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Certificates of Deposit - 3 Month
$1,000
0.50%
▼ 0.96% below Rhode Island avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average1.46%▼ 0.96% below avgNationally 2.09%
Details
Early withdrawal penalty may be imposed
Rate History
No change since Oct 13, 2026 · 0.50% APY
Cranston Municipal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
3 Month Certificate of Deposit
$0
0.40%
▼ 1.06% below Rhode Island avg
▼
Rate0.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Rhode Island Average1.46%▼ 1.06% below avgNationally 2.09%
Details
APY=Annual Percentage Yield. Rates are subject to change without notice and may change monthly. Fees may reduce earnings on the account. A penalty may be imposed for early withdrawal. Other conditions may apply.
Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 5 times
Wave Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.78%
3-Month Certificate
$2,500
0.25%
▼ 1.21% below Rhode Island avg
▼
Rate0.25%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average1.46%▼ 1.21% below avgNationally 2.09%
Details
Share Certificate/IRA Rates
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 7 times
Rhode Island Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
3 Month Certificate of Deposit
$500
0.15%
▼ 1.31% below Rhode Island avg
▼
Rate0.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average1.46%▼ 1.31% below avgNationally 2.09%
Details
Effective Date: 10/08/26 through 10/14/26
Rate History
No change since Sep 22, 2026 · 0.15% APY · checked 5 times
Milford Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
3 Month Certificate
$1,000
0.10%
▼ 1.36% below Rhode Island avg
▼
Rate0.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average1.46%▼ 1.36% below avgNationally 2.09%
Details
Rate History
No change since Oct 8, 2026 · 0.10% APY · checked 2 times
The Peoples Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
3 Month Certificates of Deposit
$500
0.10%
▼ 1.36% below Rhode Island avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average1.46%▼ 1.36% below avgNationally 2.09%
Details
How to Open: Contact Us
Rate History
No change since Sep 22, 2026 · 0.10% APY · checked 3 times
The Peoples Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
Certificates of Deposit - 3 Months
$500
0.10%
▼ 1.36% below Rhode Island avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average1.46%▼ 1.36% below avgNationally 2.09%
Details
How to Open: Contact Us
Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 2 times
Westerly Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
3 Month Certificate of Deposit
$0
0.10%
▼ 1.36% below Rhode Island avg
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average1.46%▼ 1.36% below avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 4 times
Westerly Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Certificates of Deposit - 3 Months
$0
0.10%
▼ 1.36% below Rhode Island avg
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average1.46%▼ 1.36% below avgNationally 2.09%
Details
Rate History
No change since Oct 13, 2026 · 0.10% APY
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
Private 3 Month
$0
0.02%
▼ 1.44% below Rhode Island avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average1.46%▼ 1.44% below avgNationally 2.09%
Details
Balance: $500+; Eligible Private Checking clients only; Open Account: Apply Now
Rate History
No change since Sep 18, 2026 · 0.02% APY · checked 6 times
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
Personal CDs - 3 Month
$0
0.01%
▼ 1.45% below Rhode Island avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average1.46%▼ 1.45% below avgNationally 2.09%
Details
Balance: $500+
Rate History
No change since Oct 14, 2026 · 0.01% APY
Saunderstown 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Bank5 Connect
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
6 Month CD
$500
4.00%
▲ 1.17% above Rhode Island avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.83%▲ 1.17% above avgNationally 2.77%
Details
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 8 times
The Peoples Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
6 Month Certificates of Deposit
$500
4.00%
▲ 1.17% above Rhode Island avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.83%▲ 1.17% above avgNationally 2.77%
Details
How to Open: Open Now
Rate History
1 change since Sep 22, 2026 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00%
- Oct 13, 20264.00%▲ from 3.00%
- Sep 22, 20263.00%first recorded
The Peoples Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
Certificates of Deposit - 6 Months
$500
4.00%
▲ 1.17% above Rhode Island avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.83%▲ 1.17% above avgNationally 2.77%
Details
How to Open: Open Now
Rate History
1 change since Sep 18, 2026 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00%
- Oct 13, 20264.00%▲ from 3.00%
- Sep 18, 20263.00%first recorded
Eastern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
6 Month CD/IRA CD
$2,500
3.90%
▲ 1.07% above Rhode Island avg
▼
Rate3.86%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Rhode Island Average2.83%▲ 1.07% above avgNationally 2.77%
Details
Rate History
1 change since Sep 30, 2026 · 3.85% → 3.90% ▲ 0.05 pts · high 3.90% / low 3.85%
- Oct 3, 20263.90%▲ from 3.85%
- Sep 30, 20263.85%first recorded
Greenwood Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Certificates of Deposit - 6 Month
$1,000
3.75%
▲ 0.92% above Rhode Island avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.83%▲ 0.92% above avgNationally 2.77%
Details
Early withdrawal penalty may be imposed
Rate History
No change since Oct 13, 2026 · 3.75% APY
Rhode Island Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
6 Month Certificate of Deposit
$500
3.75%
▲ 0.92% above Rhode Island avg
▼
Rate3.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.83%▲ 0.92% above avgNationally 2.77%
Details
Effective Date: 10/08/26 through 10/14/26
Rate History
No change since Sep 22, 2026 · 3.75% APY · checked 5 times
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
Certificate Accounts - 6 Month Premium
$50,000
3.65%
▲ 0.82% above Rhode Island avg
▼
Rate3.59%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.83%▲ 0.82% above avgNationally 2.77%
Details
Premium
Rate History
No change since Sep 22, 2026 · 3.65% APY · checked 3 times
Bristol County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
PRIME TIMETM Term Accounts - Certificate of Deposits and Individual Retirement Accounts - 6 Month
$0
3.63%
▲ 0.80% above Rhode Island avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average2.83%▲ 0.80% above avgNationally 2.77%
Details
Balance: $1,000 & up
Rate History
No change since Oct 8, 2026 · 3.63% APY · checked 2 times
Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
6-Month Relationship CD
$500
3.55%
▲ 0.72% above Rhode Island avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.83%▲ 0.72% above avgNationally 2.77%
Details
Special offer for Washington Trust Freedom Ultra or Freedom Plus checking account customers; Open in branch or over the phone; Washington Trust Freedom Plus or Freedom Ultra checking account required; APY effective 4/1/2026
Rate History
No change since Sep 27, 2026 · 3.55% APY · checked 5 times
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
Certificate Accounts - 6 Month
$500
3.55%
▲ 0.72% above Rhode Island avg
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.83%▲ 0.72% above avgNationally 2.77%
Details
Rate History
No change since Sep 22, 2026 · 3.55% APY · checked 3 times
Wave Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.78%
6-Month Certificate
$2,500
3.50%
▲ 0.67% above Rhode Island avg
▼
Rate3.45%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.83%▲ 0.67% above avgNationally 2.77%
Details
Share Certificate/IRA Rates
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
Certificate of Deposit - 6 Months
$500
3.30%
▲ 0.47% above Rhode Island avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.83%▲ 0.47% above avgNationally 2.77%
Details
Minimum deposit to open account is $500.00; Minimum balance to earn stated APY $0.01; Freedom Ultra Checking and Freedom Plus Checking customers receive an extra 0.25% APY on the above rates; CD withdrawals before maturity reduce the APY earned and early withdrawal penalties apply
Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 7 times
Beacon Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
6-Month Certificate of Deposit (CD)
$1,000
3.30%
▲ 0.47% above Rhode Island avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.83%▲ 0.47% above avgNationally 2.77%
Details
No ATM access; no check writing
Rate History
No change since Sep 28, 2026 · 3.30% APY · checked 5 times
Beacon Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
Beacon One 6 Month CD
$1,000
3.30%
▲ 0.47% above Rhode Island avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.83%▲ 0.47% above avgNationally 2.77%
Details
Must be an OWNER on a Beacon Bank checking account; Balance cannot exceed $1,000,000; No additional deposits before maturity; Early withdrawal penalty applies
Rate History
No change since Sep 28, 2026 · 3.30% APY · checked 5 times
Milford Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
6 Month Certificate
$1,000
3.25%
▲ 0.42% above Rhode Island avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average2.83%▲ 0.42% above avgNationally 2.77%
Details
Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 2 times
Bristol County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
6 Month Certificate
$0
3.12%
▲ 0.29% above Rhode Island avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average2.83%▲ 0.29% above avgNationally 2.77%
Details
Balance: $5,000 - $1,000
Rate History
No change since Oct 8, 2026 · 3.12% APY · checked 2 times
Blackstone River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
6 Month Certificate of Deposit (same rate for IRA Certificate)
$0
3.04%
▲ 0.21% above Rhode Island avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.83%▲ 0.21% above avgNationally 2.77%
Details
$1,000.00 minimum balance required; same rate for IRA Certificate
Rate History
No change since Sep 21, 2026 · 3.04% APY · checked 4 times
BankNewport
Institution Rating:
A5.0 ★Texas Ratio: 7.77%
6 Month Business CDs
$0
3.00%
▲ 0.17% above Rhode Island avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average2.83%▲ 0.17% above avgNationally 2.77%
Details
Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
BankNewport
Institution Rating:
A5.0 ★Texas Ratio: 7.77%
6 Month Certificate
$0
3.00%
▲ 0.17% above Rhode Island avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average2.83%▲ 0.17% above avgNationally 2.77%
Details
Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
BankNewport
Institution Rating:
A5.0 ★Texas Ratio: 7.77%
6 Month Premium Gold CD
$0
3.00%
▲ 0.17% above Rhode Island avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average2.83%▲ 0.17% above avgNationally 2.77%
Details
Rate History
No change since Sep 20, 2026 · 3.00% APY · checked 3 times
BankNewport
Institution Rating:
A5.0 ★Texas Ratio: 7.77%
Business CDs - 6 months
$0
3.00%
▲ 0.17% above Rhode Island avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average2.83%▲ 0.17% above avgNationally 2.77%
Details
Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
BankNewport
Institution Rating:
A5.0 ★Texas Ratio: 7.77%
IRA - 6 months
$0
3.00%
▲ 0.17% above Rhode Island avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average2.83%▲ 0.17% above avgNationally 2.77%
Details
Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
BankNewport
Institution Rating:
A5.0 ★Texas Ratio: 7.77%
Premium Gold CD - 6 months
$0
3.00%
▲ 0.17% above Rhode Island avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average2.83%▲ 0.17% above avgNationally 2.77%
Details
Rate History
No change since Oct 8, 2026 · 3.00% APY · checked 2 times
BankNewport
Institution Rating:
A5.0 ★Texas Ratio: 7.77%
Premium Gold IRA - 6 months
$0
3.00%
▲ 0.17% above Rhode Island avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average2.83%▲ 0.17% above avgNationally 2.77%
Details
Rate History
No change since Oct 3, 2026 · 3.00% APY · checked 3 times
Westerly Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
6 Month Certificate of Deposit
$0
3.00%
▲ 0.17% above Rhode Island avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.83%▲ 0.17% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 4 times
Westerly Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Certificates of Deposit - 6 Months
$0
3.00%
▲ 0.17% above Rhode Island avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.83%▲ 0.17% above avgNationally 2.77%
Details
Rate History
No change since Oct 13, 2026 · 3.00% APY
Cumberland Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
CD Rate - 6 Month
$1,000
2.90%
▲ 0.07% above Rhode Island avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.83%▲ 0.07% above avgNationally 2.77%
Details
Up to $500,000
Rate History
1 change since Sep 14, 2026 · 3.05% → 2.90% ▼ 0.15 pts · high 3.05% / low 2.90%
- Sep 21, 20262.90%▼ from 3.05%
- Sep 14, 20263.05%first recorded
Navigant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
6 Month Certificates of Deposit
$500
2.85%
▲ 0.02% above Rhode Island avg
▼
Rate2.81%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.83%▲ 0.02% above avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 6 times
Navigant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
Certificates of Deposit - 6 Months
$500
2.85%
▲ 0.02% above Rhode Island avg
▼
Rate2.81%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.83%▲ 0.02% above avgNationally 2.77%
Details
Rate History
No change since Sep 22, 2026 · 2.85% APY · checked 3 times
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
Certificate Of Deposit - 6 month
$1,000
2.80%
▼ 0.03% below Rhode Island avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.83%▼ 0.03% below avgNationally 2.77%
Details
Rate History
No change since Oct 13, 2026 · 2.80% APY
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
IRA Certificate Of Deposit - 6 month
$500
2.80%
▼ 0.03% below Rhode Island avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.83%▼ 0.03% below avgNationally 2.77%
Details
Minimum to Earn APY: $500
Rate History
No change since Sep 14, 2026 · 2.80% APY · checked 7 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
TD Choice CD 6 Month
$0
1.00%
▼ 1.83% below Rhode Island avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.83%▼ 1.83% below avgNationally 2.77%
Details
Non-Promotional TD Choice CD; Balance: $250.00 - $9,999.99
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 2 times
Cranston Municipal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
6 Month Certificate of Deposit
$0
0.50%
▼ 2.33% below Rhode Island avg
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Rhode Island Average2.83%▼ 2.33% below avgNationally 2.77%
Details
APY=Annual Percentage Yield. Rates are subject to change without notice and may change monthly. Fees may reduce earnings on the account. A penalty may be imposed for early withdrawal. Other conditions may apply.
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 5 times
BayCoast Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.75%
6 Month IRA Certificate of Deposit (CD)
$500
0.20%
▼ 2.63% below Rhode Island avg
▼
Rate0.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average2.83%▼ 2.63% below avgNationally 2.77%
Details
Term: 6 Months - Less than 1 Year
Rate History
No change since Sep 20, 2026 · 0.20% APY · checked 4 times
BayCoast Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.75%
6 Months - Less than 1 Year Statement
$500
0.20%
▼ 2.63% below Rhode Island avg
▼
Rate0.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average2.83%▼ 2.63% below avgNationally 2.77%
Details
Rate History
No change since Oct 8, 2026 · 0.20% APY · checked 2 times
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
Private 6 Month
$0
0.02%
▼ 2.81% below Rhode Island avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.83%▼ 2.81% below avgNationally 2.77%
Details
Balance: $500+; Eligible Private Checking clients only; Open Account: Apply Now
Rate History
No change since Sep 18, 2026 · 0.02% APY · checked 6 times
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
Personal CDs - 6 Month
$0
0.01%
▼ 2.82% below Rhode Island avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.83%▼ 2.82% below avgNationally 2.77%
Details
Balance: $500+
Rate History
No change since Oct 14, 2026 · 0.01% APY
Saunderstown 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Special EasyStart Certificate
$50
4.35%
▲ 1.53% above Rhode Island avg
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.82%▲ 1.53% above avgNationally 2.99%
Details
Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 5 times
Rhode Island Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
12 Month Certificate of Deposit
$500
4.25%
▲ 1.43% above Rhode Island avg
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.82%▲ 1.43% above avgNationally 2.99%
Details
Effective Date: 10/08/26 through 10/14/26; Also applies to IRA Certificates of Deposit
Rate History
No change since Sep 22, 2026 · 4.25% APY · checked 5 times
Bristol County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
PRIME TIMETM Term Accounts - Certificate of Deposits and Individual Retirement Accounts - 1 Year
$0
4.19%
▲ 1.37% above Rhode Island avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average2.82%▲ 1.37% above avgNationally 2.99%
Details
Balance: $1,000 & up
Rate History
No change since Oct 8, 2026 · 4.19% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.10%
▲ 1.28% above Rhode Island avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.82%▲ 1.28% above avgNationally 2.99%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.10% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.05%
▲ 1.23% above Rhode Island avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.82%▲ 1.23% above avgNationally 2.99%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.05% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month ESA EasyStart Certificate
$50
4.00%
▲ 1.18% above Rhode Island avg
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.82%▲ 1.18% above avgNationally 2.99%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 3 times
Bank5 Connect
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
12 Month CD
$500
4.00%
▲ 1.18% above Rhode Island avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.82%▲ 1.18% above avgNationally 2.99%
Details
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 8 times
The Peoples Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
12 Month Certificates of Deposit
$500
4.00%
▲ 1.18% above Rhode Island avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.82%▲ 1.18% above avgNationally 2.99%
Details
How to Open: Open Now
Rate History
1 change since Sep 22, 2026 · 3.55% → 4.00% ▲ 0.45 pts · high 4.00% / low 3.55%
- Oct 13, 20264.00%▲ from 3.55%
- Sep 22, 20263.55%first recorded
The Peoples Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
Certificates of Deposit - 12 Months
$500
4.00%
▲ 1.18% above Rhode Island avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.82%▲ 1.18% above avgNationally 2.99%
Details
How to Open: Open Now
Rate History
1 change since Sep 18, 2026 · 3.55% → 4.00% ▲ 0.45 pts · high 4.00% / low 3.55%
- Oct 13, 20264.00%▲ from 3.55%
- Sep 18, 20263.55%first recorded
Greenwood Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Certificates of Deposit - 1 Year
$1,000
4.00%
▲ 1.18% above Rhode Island avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.82%▲ 1.18% above avgNationally 2.99%
Details
Early withdrawal penalty may be imposed
Rate History
No change since Oct 13, 2026 · 4.00% APY
BankNewport
Institution Rating:
A5.0 ★Texas Ratio: 7.77%
12 Month Certificate of Deposit
$1,000
3.75%
▲ 0.93% above Rhode Island avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average2.82%▲ 0.93% above avgNationally 2.99%
Details
A penalty will be imposed for early withdrawal during the term of the CD.
Rate History
No change since Sep 20, 2026 · 3.75% APY · checked 2 times
Wave Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.78%
12-Month Certificate
$1,000
3.70%
▲ 0.88% above Rhode Island avg
▼
Rate3.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.82%▲ 0.88% above avgNationally 2.99%
Details
Share Certificate/IRA Rates
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
Bristol County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
1 Year Certificate
$0
3.67%
▲ 0.85% above Rhode Island avg
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average2.82%▲ 0.85% above avgNationally 2.99%
Details
Balance: $5,000 - $1,000
Rate History
No change since Oct 8, 2026 · 3.67% APY · checked 2 times
Ocean State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.51%
1 Year CD
$0
3.50%
▲ 0.68% above Rhode Island avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.82%▲ 0.68% above avgNationally 2.99%
Details
Interest Paid: Quarterly; Early Withdrawal Penalty of 3 Months Interest
Rate History
No change since Oct 13, 2026 · 3.50% APY
Ocean State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.51%
1 Year IRA
$500
3.50%
▲ 0.68% above Rhode Island avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.82%▲ 0.68% above avgNationally 2.99%
Details
Interest Paid: Quarterly; Early Withdrawal Penalty of 3 Months Interest
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
Certificate Accounts - 12 Month Premium
$50,000
3.45%
▲ 0.63% above Rhode Island avg
▼
Rate3.40%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.82%▲ 0.63% above avgNationally 2.99%
Details
Premium
Rate History
No change since Sep 22, 2026 · 3.45% APY · checked 3 times
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
Certificate Accounts - 12 Month
$500
3.35%
▲ 0.53% above Rhode Island avg
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.82%▲ 0.53% above avgNationally 2.99%
Details
Rate History
No change since Sep 22, 2026 · 3.35% APY · checked 3 times
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
1 Year Online CD
$0
3.25%
▲ 0.43% above Rhode Island avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.82%▲ 0.43% above avgNationally 2.99%
Details
Cash out monthly interest payments or reinvest them to earn more
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 8 times
Milford Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
12 Month Certificate
$1,000
3.25%
▲ 0.43% above Rhode Island avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average2.82%▲ 0.43% above avgNationally 2.99%
Details
Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 2 times
Blackstone River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
12 Month Certificate of Deposit (same rate for IRA Certificate)
$0
3.04%
▲ 0.22% above Rhode Island avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.82%▲ 0.22% above avgNationally 2.99%
Details
$1,000.00 minimum balance required; same rate for IRA Certificate
Rate History
No change since Sep 21, 2026 · 3.04% APY · checked 4 times
Cumberland Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
CD Rate - 12 Month
$1,000
2.85%
▲ 0.03% above Rhode Island avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.82%▲ 0.03% above avgNationally 2.99%
Details
Up to $500,000
Rate History
No change since Sep 21, 2026 · 2.85% APY · checked 6 times
Navigant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
12 Month Certificates of Deposit
$500
2.85%
▲ 0.03% above Rhode Island avg
▼
Rate2.81%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.82%▲ 0.03% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 6 times
Navigant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
Certificates of Deposit - 12 Months
$500
2.85%
▲ 0.03% above Rhode Island avg
▼
Rate2.81%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.82%▲ 0.03% above avgNationally 2.99%
Details
Rate History
No change since Sep 22, 2026 · 2.85% APY · checked 3 times
Westerly Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
12 Month Certificate of Deposit
$0
2.85%
▲ 0.03% above Rhode Island avg
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.82%▲ 0.03% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.25% → 2.85% ▼ 0.40 pts · high 3.25% / low 2.85%
- Sep 26, 20262.85%▼ from 3.25%
- Sep 14, 20263.25%first recorded
Westerly Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Certificates of Deposit - 12 Months
$0
2.85%
▲ 0.03% above Rhode Island avg
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.82%▲ 0.03% above avgNationally 2.99%
Details
Rate History
No change since Oct 13, 2026 · 2.85% APY
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
Certificate Of Deposit - 12 month
$1,000
2.85%
▲ 0.03% above Rhode Island avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.82%▲ 0.03% above avgNationally 2.99%
Details
Rate History
No change since Oct 13, 2026 · 2.85% APY
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
IRA Certificate Of Deposit - 12 month
$500
2.85%
▲ 0.03% above Rhode Island avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.82%▲ 0.03% above avgNationally 2.99%
Details
Minimum to Earn APY: $500
Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 7 times
Centreville Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
IRA CD - 1 Year
$0
2.75%
▼ 0.07% below Rhode Island avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average2.82%▼ 0.07% below avgNationally 2.99%
Details
Premium APY
Rate History
2 changes since Sep 14, 2026 · 2.75% → 2.75% ▼ 0.00 pts · high 2.75% / low 2.50%
- Oct 3, 20262.75%▲ from 2.50%
- Sep 24, 20262.50%▼ from 2.75%
- Sep 14, 20262.75%first recorded
Centreville Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
IRA CD - 1 Year
$0
2.50%
▼ 0.32% below Rhode Island avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average2.82%▼ 0.32% below avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 5 times
Shoreham Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.55%
CD Accounts - 1 Year
$0
2.00%
▼ 0.82% below Rhode Island avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.82%▼ 0.82% below avgNationally 2.99%
Details
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 7 times
Shoreham Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.55%
IRA Accounts - 1 Year
$0
2.00%
▼ 0.82% below Rhode Island avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.82%▼ 0.82% below avgNationally 2.99%
Details
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 7 times
Shoreham Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.55%
Online CD Accounts - Online 1 Year
$0
2.00%
▼ 0.82% below Rhode Island avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.82%▼ 0.82% below avgNationally 2.99%
Details
Rate History
No change since Oct 14, 2026 · 2.00% APY
Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
Certificate of Deposit - 12 Months
$500
1.10%
▼ 1.72% below Rhode Island avg
▼
Rate1.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.82%▼ 1.72% below avgNationally 2.99%
Details
Minimum deposit to open account is $500.00; Minimum balance to earn stated APY $0.01; Freedom Ultra Checking and Freedom Plus Checking customers receive an extra 0.25% APY on the above rates; CD withdrawals before maturity reduce the APY earned and early withdrawal penalties apply
Rate History
No change since Sep 18, 2026 · 1.10% APY · checked 7 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
TD Choice CD 12 Month
$250
1.00%
▼ 1.82% below Rhode Island avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.82%▼ 1.82% below avgNationally 2.99%
Details
Non-Promotional; Balance: $250.00 - $9,999.99
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 2 times
Cranston Municipal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
12 Month Certificate of Deposit
$0
1.00%
▼ 1.82% below Rhode Island avg
▼
Rate0.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Rhode Island Average2.82%▼ 1.82% below avgNationally 2.99%
Details
APY=Annual Percentage Yield. Rates are subject to change without notice and may change monthly. Fees may reduce earnings on the account. A penalty may be imposed for early withdrawal. Other conditions may apply.
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 5 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
12 Month TD IRA Add-Vantage CD
$250
0.05%
▼ 2.77% below Rhode Island avg
▼
Rate0.05%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.82%▼ 2.77% below avgNationally 2.99%
Details
IRA certificate; Minimum deposit to open is $250
Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 5 times
Dime Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
1 Year Certificate of Deposit Account
$500
0.05%
▼ 2.77% below Rhode Island avg
▼
Rate0.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Rhode Island Average2.82%▼ 2.77% below avgNationally 2.99%
Details
Rate History
No change since Sep 24, 2026 · 0.05% APY · checked 6 times
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
Private 12 Month
$0
0.02%
▼ 2.80% below Rhode Island avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.82%▼ 2.80% below avgNationally 2.99%
Details
Balance: $500+; Eligible Private Checking clients only; Open Account: Apply Now
Rate History
No change since Sep 18, 2026 · 0.02% APY · checked 6 times
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
Personal CDs - 12 Month
$0
0.01%
▼ 2.81% below Rhode Island avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.82%▼ 2.81% below avgNationally 2.99%
Details
Balance: $500+
Rate History
No change since Oct 14, 2026 · 0.01% APY
Saunderstown 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
BankNewport
Institution Rating:
A5.0 ★Texas Ratio: 7.77%
18 Month CD
$1,000
4.50%
▲ 1.21% above Rhode Island avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average3.29%▲ 1.21% above avgNationally 2.88%
Details
All funds must be new money. New Money is defined as funds on deposit with BankNewport for less than 30 days. A penalty will be imposed for early withdrawal during the term. A BankNewport personal checking account is required for CD specials. Offer may be withdrawn at any time.
Rate History
1 change since Sep 20, 2026 · 3.50% → 4.50% ▲ 1.00 pts · high 4.50% / low 3.50%
- Oct 3, 20264.50%▲ from 3.50%
- Sep 20, 20263.50%first recorded
BankNewport
Institution Rating:
A5.0 ★Texas Ratio: 7.77%
18 Month IRA
$1,000
4.50%
▲ 1.21% above Rhode Island avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average3.29%▲ 1.21% above avgNationally 2.88%
Details
All funds must be new money. New Money is defined as funds on deposit with BankNewport for less than 30 days. A penalty will be imposed for early withdrawal during the term. For IRA accounts, additional IRS penalties may apply; consult your tax advisor. A BankNewport personal checking account is required for IRA specials. Offer may be withdrawn at any time.
Rate History
No change since Oct 8, 2026 · 4.50% APY · checked 2 times
BankNewport
Institution Rating:
A5.0 ★Texas Ratio: 7.77%
18 Month New Money Only IRA Certificate
$0
4.50%
▲ 1.21% above Rhode Island avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average3.29%▲ 1.21% above avgNationally 2.88%
Details
New Money Only
Rate History
No change since Oct 8, 2026 · 4.50% APY · checked 2 times
BankNewport
Institution Rating:
A5.0 ★Texas Ratio: 7.77%
18-Month CD Special
$1,000
4.50%
▲ 1.21% above Rhode Island avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average3.29%▲ 1.21% above avgNationally 2.88%
Details
All funds must be new money. New Money is defined as funds on deposit with BankNewport for less than 30 days. A penalty will be imposed for early withdrawal during the term. For IRA accounts, additional IRS penalties may apply; consult your tax advisor. A BankNewport personal checking account is required for CD/IRA specials. Offer may be withdrawn at any time.
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
BankNewport
Institution Rating:
A5.0 ★Texas Ratio: 7.77%
Business 18 Month CD
$0
4.50%
▲ 1.21% above Rhode Island avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average3.29%▲ 1.21% above avgNationally 2.88%
Details
New Money Only
Rate History
No change since Oct 3, 2026 · 4.50% APY · checked 3 times
Bristol County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
PRIME TIMETM Term Accounts - Certificate of Deposits and Individual Retirement Accounts - 18 Month
$0
4.34%
▲ 1.05% above Rhode Island avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average3.29%▲ 1.05% above avgNationally 2.88%
Details
Balance: $1,000 & up
Rate History
No change since Oct 8, 2026 · 4.34% APY · checked 2 times
Eastern Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
18 Month CD/IRA CD
$2,500
4.30%
▲ 1.01% above Rhode Island avg
▼
Rate4.22%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Rhode Island Average3.29%▲ 1.01% above avgNationally 2.88%
Details
Rate History
1 change since Sep 30, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10%
- Oct 3, 20264.30%▲ from 4.10%
- Sep 30, 20264.10%first recorded
Milford Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
18 Month Certificate
$1,000
4.25%
▲ 0.96% above Rhode Island avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average3.29%▲ 0.96% above avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 2 times
BankNewport
Institution Rating:
A5.0 ★Texas Ratio: 7.77%
18 Month Business CDs
$0
4.25%
▲ 0.96% above Rhode Island avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average3.29%▲ 0.96% above avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 2 times
BankNewport
Institution Rating:
A5.0 ★Texas Ratio: 7.77%
18 Month CD
$1,000
4.25%
▲ 0.96% above Rhode Island avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average3.29%▲ 0.96% above avgNationally 2.88%
Details
With existing money. A penalty will be imposed for early withdrawal during the term. A BankNewport personal checking account is required for CD specials. Offer can be withdrawn at any time.
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
BankNewport
Institution Rating:
A5.0 ★Texas Ratio: 7.77%
18 Month IRA Certificate
$0
4.25%
▲ 0.96% above Rhode Island avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average3.29%▲ 0.96% above avgNationally 2.88%
Details
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
BankNewport
Institution Rating:
A5.0 ★Texas Ratio: 7.77%
18 Month Premium Gold CD
$0
4.25%
▲ 0.96% above Rhode Island avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average3.29%▲ 0.96% above avgNationally 2.88%
Details
Rate History
1 change since Sep 20, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50%
- Oct 8, 20264.25%▲ from 3.50%
- Sep 20, 20263.50%first recorded
BankNewport
Institution Rating:
A5.0 ★Texas Ratio: 7.77%
Business CDs - 18 months
$0
4.25%
▲ 0.96% above Rhode Island avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average3.29%▲ 0.96% above avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 2 times
BankNewport
Institution Rating:
A5.0 ★Texas Ratio: 7.77%
IRA - 18 months
$0
4.25%
▲ 0.96% above Rhode Island avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average3.29%▲ 0.96% above avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 2 times
BankNewport
Institution Rating:
A5.0 ★Texas Ratio: 7.77%
Premium Gold CD - 18 months
$0
4.25%
▲ 0.96% above Rhode Island avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average3.29%▲ 0.96% above avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 2 times
BankNewport
Institution Rating:
A5.0 ★Texas Ratio: 7.77%
Premium Gold IRA - 18 months
$0
4.25%
▲ 0.96% above Rhode Island avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average3.29%▲ 0.96% above avgNationally 2.88%
Details
Rate History
No change since Oct 3, 2026 · 4.25% APY · checked 3 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.15%
▲ 0.86% above Rhode Island avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average3.29%▲ 0.86% above avgNationally 2.88%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.15% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.10%
▲ 0.81% above Rhode Island avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average3.29%▲ 0.81% above avgNationally 2.88%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.10% APY
Bank5 Connect
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
18 Month CD
$500
4.00%
▲ 0.71% above Rhode Island avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average3.29%▲ 0.71% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 8 times
Santander Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
18-Month CD
$500
4.00%
▲ 0.71% above Rhode Island avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average3.29%▲ 0.71% above avgNationally 2.88%
Details
Location: available when account is opened in a Santander location in CT, DE, MA, NH, NJ, NY, PA, RI, or select areas in FL (Miami-Dade, Monroe, Broward counties, and Collier county ZIP Code 34141); rates in other areas or for online openings may not be available; minimum deposit of $500; early withdrawal penalty applies
Rate History
No change since Oct 2, 2026 · 4.00% APY · checked 4 times
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
Private 18 Month
$0
4.00%
▲ 0.71% above Rhode Island avg
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average3.29%▲ 0.71% above avgNationally 2.88%
Details
Balance: $500+; Limited time offer; open with as little as $500; for existing or new Private Checking account holders; Open Account: Apply Now
Rate History
1 change since Sep 18, 2026 · 0.02% → 4.00% ▲ 3.98 pts · high 4.00% / low 0.02%
- Oct 7, 20264.00%▲ from 0.02%
- Sep 18, 20260.02%first recorded
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
Private 18-Month CD
$500
4.00%
▲ 0.71% above Rhode Island avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average3.29%▲ 0.71% above avgNationally 2.88%
Details
For existing or new Private Checking account holders; Open with as little as $500; Promotional APY; Minimum balance to earn stated APY is $500
Rate History
1 change since Sep 9, 2026 · 0.02% → 4.00% ▲ 3.98 pts · high 4.00% / low 0.02%
- Oct 2, 20264.00%▲ from 0.02%
- Sep 9, 20260.02%first recorded
Greenwood Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Certificates of Deposit - 18 Month
$1,000
4.00%
▲ 0.71% above Rhode Island avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average3.29%▲ 0.71% above avgNationally 2.88%
Details
Early withdrawal penalty may be imposed
Rate History
No change since Oct 13, 2026 · 4.00% APY
Bristol County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
18 Month Certificate
$0
3.82%
▲ 0.53% above Rhode Island avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average3.29%▲ 0.53% above avgNationally 2.88%
Details
Rate History
No change since Sep 30, 2026 · 3.82% APY · checked 4 times
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
18-Month CD
$500
3.75%
▲ 0.46% above Rhode Island avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average3.29%▲ 0.46% above avgNationally 2.88%
Details
Promotional APY; Open with as little as $500; Enjoy the security of a locked in rate; Earn guaranteed returns
Rate History
1 change since Sep 24, 2026 · 0.01% → 3.75% ▲ 3.74 pts · high 3.75% / low 0.01%
- Oct 2, 20263.75%▲ from 0.01%
- Sep 24, 20260.01%first recorded
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
Personal CDs - 18 Month
$0
3.75%
▲ 0.46% above Rhode Island avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average3.29%▲ 0.46% above avgNationally 2.88%
Details
Balance: $500+; Limited time offer
Rate History
No change since Oct 14, 2026 · 3.75% APY
Wave Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.78%
18-Month Certificate
$1,000
3.75%
▲ 0.46% above Rhode Island avg
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average3.29%▲ 0.46% above avgNationally 2.88%
Details
Share Certificate/IRA Rates
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 13, 20263.75%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month ESA EasyStart Certificate
$50
3.70%
▲ 0.41% above Rhode Island avg
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average3.29%▲ 0.41% above avgNationally 2.88%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 3 times
The Peoples Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
18 Month Certificates of Deposit
$500
3.50%
▲ 0.21% above Rhode Island avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average3.29%▲ 0.21% above avgNationally 2.88%
Details
How to Open: Open Now
Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 3 times
The Peoples Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
Certificates of Deposit - 18 Months
$500
3.50%
▲ 0.21% above Rhode Island avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average3.29%▲ 0.21% above avgNationally 2.88%
Details
How to Open: Open Now
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 2 times
Ocean State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.51%
18 Month CD
$0
3.50%
▲ 0.21% above Rhode Island avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average3.29%▲ 0.21% above avgNationally 2.88%
Details
Interest Paid: Quarterly; Early Withdrawal Penalty of 3 Months Interest
Rate History
No change since Oct 13, 2026 · 3.50% APY
Ocean State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.51%
18 Month IRA
$500
3.50%
▲ 0.21% above Rhode Island avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average3.29%▲ 0.21% above avgNationally 2.88%
Details
Interest Paid: Quarterly; Early Withdrawal Penalty of 3 Months Interest
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
Rhode Island Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
18 Month Certificate of Deposit
$500
3.50%
▲ 0.21% above Rhode Island avg
▼
Rate3.46%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average3.29%▲ 0.21% above avgNationally 2.88%
Details
Effective Date: 10/08/26 through 10/14/26; Also applies to IRA Certificates of Deposit
Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 5 times
Westerly Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
18 Month Certificate of Deposit
$0
3.35%
▲ 0.06% above Rhode Island avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average3.29%▲ 0.06% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 4 times
Westerly Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Certificates of Deposit - 18 Months
$0
3.35%
▲ 0.06% above Rhode Island avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average3.29%▲ 0.06% above avgNationally 2.88%
Details
Rate History
No change since Oct 13, 2026 · 3.35% APY
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
Certificate Accounts - 18 Month Premium
$50,000
3.35%
▲ 0.06% above Rhode Island avg
▼
Rate3.30%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average3.29%▲ 0.06% above avgNationally 2.88%
Details
Premium
Rate History
No change since Sep 22, 2026 · 3.35% APY · checked 3 times
Cranston Municipal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
18 Month Certificate of Deposit
$0
3.25%
▼ 0.04% below Rhode Island avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Rhode Island Average3.29%▼ 0.04% below avgNationally 2.88%
Details
APY=Annual Percentage Yield. Rates are subject to change without notice and may change monthly. Fees may reduce earnings on the account. A penalty may be imposed for early withdrawal. Other conditions may apply.
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
Certificate Accounts - 18 Month
$500
3.25%
▼ 0.04% below Rhode Island avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average3.29%▼ 0.04% below avgNationally 2.88%
Details
Rate History
No change since Sep 22, 2026 · 3.25% APY · checked 3 times
Blackstone River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
18 Month Certificate of Deposit
$0
3.04%
▼ 0.25% below Rhode Island avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average3.29%▼ 0.25% below avgNationally 2.88%
Details
$1,000.00 minimum balance required
Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 8 times
Navigant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
18 Month Certificates of Deposit
$500
2.60%
▼ 0.69% below Rhode Island avg
▼
Rate2.57%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average3.29%▼ 0.69% below avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 2.60% APY · checked 6 times
Navigant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
Certificates of Deposit - 18 Months
$500
2.60%
▼ 0.69% below Rhode Island avg
▼
Rate2.57%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average3.29%▼ 0.69% below avgNationally 2.88%
Details
Rate History
No change since Sep 22, 2026 · 2.60% APY · checked 3 times
Centreville Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
IRA CD - 18 Month
$0
2.50%
▼ 0.79% below Rhode Island avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average3.29%▼ 0.79% below avgNationally 2.88%
Details
Premium APY
Rate History
2 changes since Sep 14, 2026 · 2.50% → 2.50% ▼ 0.00 pts · high 2.50% / low 2.25%
- Oct 3, 20262.50%▲ from 2.25%
- Sep 24, 20262.25%▼ from 2.50%
- Sep 14, 20262.50%first recorded
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
Certificate Of Deposit - 18 month
$1,000
2.50%
▼ 0.79% below Rhode Island avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average3.29%▼ 0.79% below avgNationally 2.88%
Details
Rate History
No change since Oct 13, 2026 · 2.50% APY
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
IRA Certificate Of Deposit - 18 month
$500
2.50%
▼ 0.79% below Rhode Island avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average3.29%▼ 0.79% below avgNationally 2.88%
Details
Minimum to Earn APY: $500
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 7 times
Centreville Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
IRA CD - 18 Month
$0
2.25%
▼ 1.04% below Rhode Island avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average3.29%▼ 1.04% below avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 5 times
Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
Certificate of Deposit - 18 Months
$500
1.15%
▼ 2.14% below Rhode Island avg
▼
Rate1.14%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average3.29%▼ 2.14% below avgNationally 2.88%
Details
Minimum deposit to open account is $500.00; Minimum balance to earn stated APY $0.01; Freedom Ultra Checking and Freedom Plus Checking customers receive an extra 0.25% APY on the above rates; CD withdrawals before maturity reduce the APY earned and early withdrawal penalties apply
Rate History
No change since Sep 18, 2026 · 1.15% APY · checked 7 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
Non-Promotional TD Choice CD - 18 Month
$0
1.00%
▼ 2.29% below Rhode Island avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average3.29%▼ 2.29% below avgNationally 2.88%
Details
Balance: $250.00 - $9,999.99
Rate History
No change since Oct 14, 2026 · 1.00% APY
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
TD Choice CD 18 Month
$250
1.00%
▼ 2.29% below Rhode Island avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average3.29%▼ 2.29% below avgNationally 2.88%
Details
Non-Promotional; Balance: $250.00 - $9,999.99
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 2 times
Dime Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
18 Month Certificate of Deposit Account
$500
0.10%
▼ 3.19% below Rhode Island avg
▼
Rate0.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Rhode Island Average3.29%▼ 3.19% below avgNationally 2.88%
Details
18 Month**
Rate History
No change since Sep 24, 2026 · 0.10% APY · checked 6 times
Saunderstown 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
BankNewport
Institution Rating:
A5.0 ★Texas Ratio: 7.77%
24 Month CD
$1,000
4.50%
▲ 1.64% above Rhode Island avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average2.86%▲ 1.64% above avgNationally 2.88%
Details
All funds must be new money. New Money is defined as funds on deposit with BankNewport for less than 30 days. A penalty will be imposed for early withdrawal during the term. A BankNewport personal checking account is required for CD specials. Offer may be withdrawn at any time.
Rate History
1 change since Sep 20, 2026 · 3.50% → 4.50% ▲ 1.00 pts · high 4.50% / low 3.50%
- Oct 3, 20264.50%▲ from 3.50%
- Sep 20, 20263.50%first recorded
BankNewport
Institution Rating:
A5.0 ★Texas Ratio: 7.77%
24 Month IRA
$1,000
4.50%
▲ 1.64% above Rhode Island avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average2.86%▲ 1.64% above avgNationally 2.88%
Details
All funds must be new money. New Money is defined as funds on deposit with BankNewport for less than 30 days. A penalty will be imposed for early withdrawal during the term. For IRA accounts, additional IRS penalties may apply; consult your tax advisor. A BankNewport personal checking account is required for IRA specials. Offer may be withdrawn at any time.
Rate History
No change since Oct 8, 2026 · 4.50% APY · checked 2 times
BankNewport
Institution Rating:
A5.0 ★Texas Ratio: 7.77%
24 Month New Money Only IRA Certificate
$0
4.50%
▲ 1.64% above Rhode Island avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average2.86%▲ 1.64% above avgNationally 2.88%
Details
New Money Only
Rate History
No change since Oct 8, 2026 · 4.50% APY · checked 2 times
BankNewport
Institution Rating:
A5.0 ★Texas Ratio: 7.77%
24-Month CD Special
$1,000
4.50%
▲ 1.64% above Rhode Island avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average2.86%▲ 1.64% above avgNationally 2.88%
Details
All funds must be new money. New Money is defined as funds on deposit with BankNewport for less than 30 days. A penalty will be imposed for early withdrawal during the term. For IRA accounts, additional IRS penalties may apply; consult your tax advisor. A BankNewport personal checking account is required for CD/IRA specials. Offer may be withdrawn at any time.
Rate History
No change since Oct 3, 2026 · 4.50% APY · checked 3 times
BankNewport
Institution Rating:
A5.0 ★Texas Ratio: 7.77%
Business 24 Month CD
$0
4.50%
▲ 1.64% above Rhode Island avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average2.86%▲ 1.64% above avgNationally 2.88%
Details
New Money Only
Rate History
No change since Oct 3, 2026 · 4.50% APY · checked 3 times
BankNewport
Institution Rating:
A5.0 ★Texas Ratio: 7.77%
24 Month Business CDs
$0
4.25%
▲ 1.39% above Rhode Island avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average2.86%▲ 1.39% above avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 2 times
BankNewport
Institution Rating:
A5.0 ★Texas Ratio: 7.77%
24 Month CD
$1,000
4.25%
▲ 1.39% above Rhode Island avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average2.86%▲ 1.39% above avgNationally 2.88%
Details
With existing money. A penalty will be imposed for early withdrawal during the term. A BankNewport personal checking account is required for CD specials. Offer can be withdrawn at any time.
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
BankNewport
Institution Rating:
A5.0 ★Texas Ratio: 7.77%
24 Month IRA Certificate
$0
4.25%
▲ 1.39% above Rhode Island avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average2.86%▲ 1.39% above avgNationally 2.88%
Details
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
BankNewport
Institution Rating:
A5.0 ★Texas Ratio: 7.77%
24 Month Premium Gold CD
$0
4.25%
▲ 1.39% above Rhode Island avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average2.86%▲ 1.39% above avgNationally 2.88%
Details
Rate History
1 change since Sep 20, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50%
- Oct 8, 20264.25%▲ from 3.50%
- Sep 20, 20263.50%first recorded
BankNewport
Institution Rating:
A5.0 ★Texas Ratio: 7.77%
Business CDs - 24 months
$0
4.25%
▲ 1.39% above Rhode Island avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average2.86%▲ 1.39% above avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 2 times
BankNewport
Institution Rating:
A5.0 ★Texas Ratio: 7.77%
IRA - 24 months
$0
4.25%
▲ 1.39% above Rhode Island avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average2.86%▲ 1.39% above avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 2 times
BankNewport
Institution Rating:
A5.0 ★Texas Ratio: 7.77%
Premium Gold CD - 24 months
$0
4.25%
▲ 1.39% above Rhode Island avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average2.86%▲ 1.39% above avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 2 times
BankNewport
Institution Rating:
A5.0 ★Texas Ratio: 7.77%
Premium Gold IRA - 24 months
$0
4.25%
▲ 1.39% above Rhode Island avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average2.86%▲ 1.39% above avgNationally 2.88%
Details
Rate History
No change since Oct 3, 2026 · 4.25% APY · checked 3 times
Greenwood Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Certificates of Deposit - 2 Year
$1,000
4.25%
▲ 1.39% above Rhode Island avg
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.86%▲ 1.39% above avgNationally 2.88%
Details
Early withdrawal penalty may be imposed
Rate History
No change since Oct 13, 2026 · 4.25% APY
Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
1 - 2 Year Choose Your Term CD
$500
4.00%
▲ 1.14% above Rhode Island avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.86%▲ 1.14% above avgNationally 2.88%
Details
Choose a term from 1-2 years; Open in branch or on the phone; Washington Trust checking account required; Maximum deposit $5 million; APY effective 8/26/2026
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 7 times
Wave Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.78%
24-Month Certificate
$1,000
3.75%
▲ 0.89% above Rhode Island avg
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.86%▲ 0.89% above avgNationally 2.88%
Details
Share Certificate/IRA Rates
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 9, 20263.75%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 24 Months
$0
3.70%
▲ 0.84% above Rhode Island avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.86%▲ 0.84% above avgNationally 2.88%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 3.70% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 24 Months
$0
3.66%
▲ 0.80% above Rhode Island avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.86%▲ 0.80% above avgNationally 2.88%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 3.66% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
24 Month ESA EasyStart Certificate
$50
3.60%
▲ 0.74% above Rhode Island avg
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.86%▲ 0.74% above avgNationally 2.88%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 3 times
The Peoples Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
24 Month Certificates of Deposit
$500
3.50%
▲ 0.64% above Rhode Island avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.86%▲ 0.64% above avgNationally 2.88%
Details
How to Open: Contact Us
Rate History
No change since Sep 22, 2026 · 3.50% APY · checked 3 times
The Peoples Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
Certificates of Deposit - 24 Months
$500
3.50%
▲ 0.64% above Rhode Island avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.86%▲ 0.64% above avgNationally 2.88%
Details
How to Open: Contact Us
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 2 times
Rhode Island Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.65%
24 Month Certificate of Deposit
$500
3.35%
▲ 0.49% above Rhode Island avg
▼
Rate3.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.86%▲ 0.49% above avgNationally 2.88%
Details
Effective Date: 10/08/26 through 10/14/26; Also applies to IRA Certificates of Deposit
Rate History
No change since Sep 22, 2026 · 3.35% APY · checked 5 times
Beacon Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
24-Month Certificate of Deposit (CD)
$1,000
3.30%
▲ 0.44% above Rhode Island avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.86%▲ 0.44% above avgNationally 2.88%
Details
No ATM access; no check writing
Rate History
No change since Sep 28, 2026 · 3.30% APY · checked 5 times
Beacon Bank and Trust
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
Beacon One 24 Month CD
$1,000
3.30%
▲ 0.44% above Rhode Island avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.86%▲ 0.44% above avgNationally 2.88%
Details
Must be an OWNER on a Beacon Bank checking account; Balance cannot exceed $1,000,000; No additional deposits before maturity; Early withdrawal penalty applies
Rate History
No change since Sep 28, 2026 · 3.30% APY · checked 5 times
Milford Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
24 Month Certificate
$1,000
3.25%
▲ 0.39% above Rhode Island avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average2.86%▲ 0.39% above avgNationally 2.88%
Details
Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 2 times
Cranston Municipal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
24 Month Certificate of Deposit
$0
3.25%
▲ 0.39% above Rhode Island avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Rhode Island Average2.86%▲ 0.39% above avgNationally 2.88%
Details
APY=Annual Percentage Yield. Rates are subject to change without notice and may change monthly. Fees may reduce earnings on the account. A penalty may be imposed for early withdrawal. Other conditions may apply.
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
Ocean State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.51%
2 Year CD
$0
3.25%
▲ 0.39% above Rhode Island avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.86%▲ 0.39% above avgNationally 2.88%
Details
Interest Paid: Quarterly; Early Withdrawal Penalty of 3 Months Interest
Rate History
No change since Oct 13, 2026 · 3.25% APY
Ocean State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.51%
2 Year IRA
$500
3.25%
▲ 0.39% above Rhode Island avg
▼
Rate3.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.86%▲ 0.39% above avgNationally 2.88%
Details
Interest Paid: Quarterly; Early Withdrawal Penalty of 3 Months Interest
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
Bristol County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
PRIME TIMETM Term Accounts - Certificate of Deposits and Individual Retirement Accounts - 2 Year
$0
3.05%
▲ 0.19% above Rhode Island avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average2.86%▲ 0.19% above avgNationally 2.88%
Details
Balance: $1,000 & up
Rate History
No change since Oct 8, 2026 · 3.05% APY · checked 2 times
Blackstone River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
24 Month Certificate of Deposit (same rate for IRA Certificate)
$0
3.04%
▲ 0.18% above Rhode Island avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.86%▲ 0.18% above avgNationally 2.88%
Details
$1,000.00 minimum balance required; same rate for IRA Certificate
Rate History
No change since Sep 21, 2026 · 3.04% APY · checked 4 times
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
2 Year Online CD
$0
3.00%
▲ 0.14% above Rhode Island avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.86%▲ 0.14% above avgNationally 2.88%
Details
Cash out monthly interest payments or reinvest them to earn more
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 8 times
Westerly Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
24 Month Certificate of Deposit
$0
3.00%
▲ 0.14% above Rhode Island avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.86%▲ 0.14% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 4 times
Westerly Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Certificates of Deposit - 24 Months
$0
3.00%
▲ 0.14% above Rhode Island avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.86%▲ 0.14% above avgNationally 2.88%
Details
Rate History
No change since Oct 13, 2026 · 3.00% APY
Shoreham Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.55%
CD Accounts - 2 Year
$0
2.75%
▼ 0.11% below Rhode Island avg
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.86%▼ 0.11% below avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 7 times
Shoreham Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.55%
IRA Accounts - 2 Year
$0
2.75%
▼ 0.11% below Rhode Island avg
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.86%▼ 0.11% below avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 7 times
Shoreham Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.55%
Online CD Accounts - Online 2 Year
$0
2.75%
▼ 0.11% below Rhode Island avg
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.86%▼ 0.11% below avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 2.75% APY
Centreville Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
IRA CD - 2 Year
$0
2.75%
▼ 0.11% below Rhode Island avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average2.86%▼ 0.11% below avgNationally 2.88%
Details
Premium APY
Rate History
2 changes since Sep 14, 2026 · 2.75% → 2.75% ▼ 0.00 pts · high 2.75% / low 2.50%
- Oct 3, 20262.75%▲ from 2.50%
- Sep 24, 20262.50%▼ from 2.75%
- Sep 14, 20262.75%first recorded
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
Certificate Of Deposit - 24 month
$1,000
2.75%
▼ 0.11% below Rhode Island avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.86%▼ 0.11% below avgNationally 2.88%
Details
Rate History
No change since Oct 13, 2026 · 2.75% APY
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
IRA Certificate Of Deposit - 24 month
$500
2.75%
▼ 0.11% below Rhode Island avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.86%▼ 0.11% below avgNationally 2.88%
Details
Minimum to Earn APY: $500
Rate History
1 change since Sep 14, 2026 · 3.00% → 2.75% ▼ 0.25 pts · high 3.00% / low 2.75%
- Oct 13, 20262.75%▼ from 3.00%
- Sep 14, 20263.00%first recorded
Navigant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
2 Year Certificates of Deposit
$500
2.60%
▼ 0.26% below Rhode Island avg
▼
Rate2.57%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.86%▼ 0.26% below avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 2.60% APY · checked 6 times
Navigant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
Certificates of Deposit - 2 Years
$500
2.60%
▼ 0.26% below Rhode Island avg
▼
Rate2.57%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.86%▼ 0.26% below avgNationally 2.88%
Details
Rate History
No change since Sep 22, 2026 · 2.60% APY · checked 3 times
Bristol County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
2 Year Certificate
$0
2.53%
▼ 0.33% below Rhode Island avg
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average2.86%▼ 0.33% below avgNationally 2.88%
Details
Balance: $5,000 - $1,000
Rate History
No change since Oct 8, 2026 · 2.53% APY · checked 2 times
Centreville Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
IRA CD - 2 Year
$0
2.50%
▼ 0.36% below Rhode Island avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average2.86%▼ 0.36% below avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 5 times
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
Certificate Accounts - 24 Month Premium
$50,000
2.10%
▼ 0.76% below Rhode Island avg
▼
Rate2.08%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.86%▼ 0.76% below avgNationally 2.88%
Details
Premium
Rate History
No change since Sep 22, 2026 · 2.10% APY · checked 3 times
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
Certificate Accounts - 24 Month
$500
2.00%
▼ 0.86% below Rhode Island avg
▼
Rate1.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.86%▼ 0.86% below avgNationally 2.88%
Details
Rate History
No change since Sep 22, 2026 · 2.00% APY · checked 3 times
Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
Certificate of Deposit - 2 Years
$500
1.20%
▼ 1.66% below Rhode Island avg
▼
Rate1.19%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.86%▼ 1.66% below avgNationally 2.88%
Details
Minimum deposit to open account is $500.00; Minimum balance to earn stated APY $0.01; Freedom Ultra Checking and Freedom Plus Checking customers receive an extra 0.25% APY on the above rates; CD withdrawals before maturity reduce the APY earned and early withdrawal penalties apply
Rate History
No change since Sep 18, 2026 · 1.20% APY · checked 7 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
TD Choice CD 24 Month
$250
1.00%
▼ 1.86% below Rhode Island avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.86%▼ 1.86% below avgNationally 2.88%
Details
Non-Promotional; Balance: $250.00 - $9,999.99
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 2 times
Dime Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
2 Year Certificate of Deposit Account
$500
0.10%
▼ 2.76% below Rhode Island avg
▼
Rate0.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Rhode Island Average2.86%▼ 2.76% below avgNationally 2.88%
Details
Rate History
No change since Sep 24, 2026 · 0.10% APY · checked 6 times
Dime Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Certificate of Deposit Account - 2 Years
$500
0.10%
▼ 2.76% below Rhode Island avg
▼
Rate0.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Rhode Island Average2.86%▼ 2.76% below avgNationally 2.88%
Details
Rate History
No change since Sep 19, 2026 · 0.10% APY · checked 3 times
Milford Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
1-1/2 Year IRA
$25
0.10%
▼ 2.76% below Rhode Island avg
▼
Rate0.10%
Min Deposit$25
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average2.86%▼ 2.76% below avgNationally 2.88%
Details
Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 7 times
Saunderstown 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$0
4.15%
▲ 1.64% above Rhode Island avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.51%▲ 1.64% above avgNationally 2.81%
Details
Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$0
4.10%
▲ 1.59% above Rhode Island avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.51%▲ 1.59% above avgNationally 2.81%
Details
Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 4 times
Wave Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.78%
36-Month Certificate
$1,000
3.75%
▲ 1.24% above Rhode Island avg
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.51%▲ 1.24% above avgNationally 2.81%
Details
Share Certificate/IRA Rates
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 9, 20263.75%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Greenwood Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Certificates of Deposit - 3 Year
$1,000
3.75%
▲ 1.24% above Rhode Island avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.51%▲ 1.24% above avgNationally 2.81%
Details
One-time rate bump up available during term (notify credit union to bump up); Early withdrawal penalty may be imposed
Rate History
No change since Oct 13, 2026 · 3.75% APY
Milford Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
36 Month Certificate
$1,000
3.25%
▲ 0.74% above Rhode Island avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average2.51%▲ 0.74% above avgNationally 2.81%
Details
Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 2 times
Bristol County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
PRIME TIMETM Term Accounts - Certificate of Deposits and Individual Retirement Accounts - 3 Year
$0
3.15%
▲ 0.64% above Rhode Island avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average2.51%▲ 0.64% above avgNationally 2.81%
Details
Balance: $1,000 & up
Rate History
No change since Oct 8, 2026 · 3.15% APY · checked 2 times
Ocean State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.51%
3 Year CD
$0
3.15%
▲ 0.64% above Rhode Island avg
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.51%▲ 0.64% above avgNationally 2.81%
Details
Interest Paid: Quarterly; Early Withdrawal Penalty of 3 Months Interest
Rate History
No change since Oct 13, 2026 · 3.15% APY
Ocean State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.51%
3 Year IRA
$500
3.15%
▲ 0.64% above Rhode Island avg
▼
Rate3.11%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.51%▲ 0.64% above avgNationally 2.81%
Details
Interest Paid: Quarterly; Early Withdrawal Penalty of 3 Months Interest
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 6 times
Blackstone River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
36 Month Certificate of Deposit
$0
3.04%
▲ 0.53% above Rhode Island avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.51%▲ 0.53% above avgNationally 2.81%
Details
$1,000.00 minimum balance required
Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 8 times
Shoreham Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.55%
CD Accounts - 3 Year
$0
3.00%
▲ 0.49% above Rhode Island avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.51%▲ 0.49% above avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 7 times
Shoreham Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.55%
IRA Accounts - 3 Year
$0
3.00%
▲ 0.49% above Rhode Island avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.51%▲ 0.49% above avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 7 times
Shoreham Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.55%
Online CD Accounts - Online 3 Year
$0
3.00%
▲ 0.49% above Rhode Island avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.51%▲ 0.49% above avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 3.00% APY
Westerly Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
36 Month Certificate of Deposit
$0
3.00%
▲ 0.49% above Rhode Island avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.51%▲ 0.49% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 4 times
Westerly Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Certificates of Deposit - 36 Months
$0
3.00%
▲ 0.49% above Rhode Island avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.51%▲ 0.49% above avgNationally 2.81%
Details
Rate History
No change since Oct 13, 2026 · 3.00% APY
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
3 Year Online CD
$0
2.75%
▲ 0.24% above Rhode Island avg
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.51%▲ 0.24% above avgNationally 2.81%
Details
Cash out monthly interest payments or reinvest them to earn more
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 8 times
Cranston Municipal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
36 Month Certificate of Deposit
$0
2.75%
▲ 0.24% above Rhode Island avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Rhode Island Average2.51%▲ 0.24% above avgNationally 2.81%
Details
APY=Annual Percentage Yield. Rates are subject to change without notice and may change monthly. Fees may reduce earnings on the account. A penalty may be imposed for early withdrawal. Other conditions may apply.
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 5 times
Bristol County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
3 Year Certificate
$0
2.63%
▲ 0.12% above Rhode Island avg
▼
Rate2.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average2.51%▲ 0.12% above avgNationally 2.81%
Details
Balance: $5,000 - $1,000
Rate History
No change since Oct 8, 2026 · 2.63% APY · checked 2 times
Centreville Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
IRA CD - 3 Year
$0
2.50%
▼ 0.01% below Rhode Island avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average2.51%▼ 0.01% below avgNationally 2.81%
Details
Premium APY
Rate History
2 changes since Sep 14, 2026 · 2.50% → 2.50% ▼ 0.00 pts · high 2.50% / low 2.25%
- Oct 3, 20262.50%▲ from 2.25%
- Sep 24, 20262.25%▼ from 2.50%
- Sep 14, 20262.50%first recorded
Navigant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
3 Year Certificates of Deposit
$500
2.50%
▼ 0.01% below Rhode Island avg
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.51%▼ 0.01% below avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 6 times
Navigant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
Certificates of Deposit - 3 Years
$500
2.50%
▼ 0.01% below Rhode Island avg
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.51%▼ 0.01% below avgNationally 2.81%
Details
Rate History
No change since Sep 22, 2026 · 2.50% APY · checked 3 times
The Peoples Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
36 Month Certificates of Deposit
$500
2.50%
▼ 0.01% below Rhode Island avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.51%▼ 0.01% below avgNationally 2.81%
Details
How to Open: Contact Us
Rate History
No change since Sep 22, 2026 · 2.50% APY · checked 3 times
The Peoples Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
Certificates of Deposit - 36 Months
$500
2.50%
▼ 0.01% below Rhode Island avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.51%▼ 0.01% below avgNationally 2.81%
Details
How to Open: Contact Us
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 2 times
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
Certificate Of Deposit - 36 month
$1,000
2.50%
▼ 0.01% below Rhode Island avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.51%▼ 0.01% below avgNationally 2.81%
Details
Rate History
No change since Oct 13, 2026 · 2.50% APY
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
IRA Certificate Of Deposit - 36 month
$500
2.50%
▼ 0.01% below Rhode Island avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.51%▼ 0.01% below avgNationally 2.81%
Details
Minimum to Earn APY: $500
Rate History
1 change since Sep 14, 2026 · 3.00% → 2.50% ▼ 0.50 pts · high 3.00% / low 2.50%
- Oct 13, 20262.50%▼ from 3.00%
- Sep 14, 20263.00%first recorded
Centreville Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
IRA CD - 3 Year
$0
2.25%
▼ 0.26% below Rhode Island avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average2.51%▼ 0.26% below avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 5 times
Milford Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
36 Month Education CD
$500
2.02%
▼ 0.49% below Rhode Island avg
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average2.51%▼ 0.49% below avgNationally 2.81%
Details
Rate History
No change since Sep 20, 2026 · 2.02% APY · checked 7 times
Milford Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
36 Month Home Buyer CD
$500
2.02%
▼ 0.49% below Rhode Island avg
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average2.51%▼ 0.49% below avgNationally 2.81%
Details
Rate History
No change since Sep 20, 2026 · 2.02% APY · checked 7 times
Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
Certificate of Deposit - 3 Years
$500
1.45%
▼ 1.06% below Rhode Island avg
▼
Rate1.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.51%▼ 1.06% below avgNationally 2.81%
Details
Minimum deposit to open account is $500.00; Minimum balance to earn stated APY $0.01; Freedom Ultra Checking and Freedom Plus Checking customers receive an extra 0.25% APY on the above rates; CD withdrawals before maturity reduce the APY earned and early withdrawal penalties apply
Rate History
No change since Sep 18, 2026 · 1.45% APY · checked 7 times
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
Certificate Accounts - 36 Month Premium
$50,000
1.15%
▼ 1.36% below Rhode Island avg
▼
Rate1.14%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.51%▼ 1.36% below avgNationally 2.81%
Details
Premium
Rate History
No change since Sep 22, 2026 · 1.15% APY · checked 3 times
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
Certificate Accounts - 36 Month
$500
1.05%
▼ 1.46% below Rhode Island avg
▼
Rate1.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.51%▼ 1.46% below avgNationally 2.81%
Details
Rate History
No change since Sep 22, 2026 · 1.05% APY · checked 3 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
TD Choice CD 3 Year
$250
1.00%
▼ 1.51% below Rhode Island avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.51%▼ 1.51% below avgNationally 2.81%
Details
Non-Promotional; Balance: $250.00 - $9,999.99
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 2 times
Bank5 Connect
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
36 Month CD
$500
0.85%
▼ 1.66% below Rhode Island avg
▼
Rate0.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.51%▼ 1.66% below avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 0.85% APY · checked 8 times
Dime Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
3 Year Certificate of Deposit Account
$500
0.25%
▼ 2.26% below Rhode Island avg
▼
Rate0.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Rhode Island Average2.51%▼ 2.26% below avgNationally 2.81%
Details
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 6 times
Dime Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Certificate of Deposit Account - 3 Years
$500
0.25%
▼ 2.26% below Rhode Island avg
▼
Rate0.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Rhode Island Average2.51%▼ 2.26% below avgNationally 2.81%
Details
Rate History
No change since Sep 19, 2026 · 0.25% APY · checked 3 times
Saunderstown 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Wave Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.78%
48-Month Certificate
$1,000
3.75%
▲ 1.40% above Rhode Island avg
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.35%▲ 1.40% above avgNationally 2.80%
Details
Share Certificate/IRA Rates
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 9, 20263.75%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Greenwood Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Certificates of Deposit - 4 Year
$1,000
3.75%
▲ 1.40% above Rhode Island avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.35%▲ 1.40% above avgNationally 2.80%
Details
One-time rate bump up available during term (notify credit union to bump up); Early withdrawal penalty may be imposed
Rate History
No change since Oct 13, 2026 · 3.75% APY
Milford Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
48 Month Certificate
$1,000
3.35%
▲ 1.00% above Rhode Island avg
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average2.35%▲ 1.00% above avgNationally 2.80%
Details
Rate History
No change since Oct 8, 2026 · 3.35% APY · checked 2 times
Shoreham Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.55%
CD Accounts - 4 Year
$0
3.25%
▲ 0.90% above Rhode Island avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.35%▲ 0.90% above avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 7 times
Shoreham Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.55%
IRA Accounts - 4 Year
$0
3.25%
▲ 0.90% above Rhode Island avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.35%▲ 0.90% above avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 7 times
Shoreham Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.55%
Online CD Accounts - Online 4 Year
$0
3.25%
▲ 0.90% above Rhode Island avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.35%▲ 0.90% above avgNationally 2.80%
Details
Rate History
No change since Oct 14, 2026 · 3.25% APY
Bristol County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
PRIME TIMETM Term Accounts - Certificate of Deposits and Individual Retirement Accounts - 4 Year
$0
3.25%
▲ 0.90% above Rhode Island avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average2.35%▲ 0.90% above avgNationally 2.80%
Details
Balance: $1,000 & up
Rate History
No change since Oct 8, 2026 · 3.25% APY · checked 2 times
Cranston Municipal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
48 Month Certificate of Deposit
$0
3.00%
▲ 0.65% above Rhode Island avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Rhode Island Average2.35%▲ 0.65% above avgNationally 2.80%
Details
APY=Annual Percentage Yield. Rates are subject to change without notice and may change monthly. Fees may reduce earnings on the account. A penalty may be imposed for early withdrawal. Other conditions may apply.
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 5 times
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
4 Year Online CD
$0
2.75%
▲ 0.40% above Rhode Island avg
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.35%▲ 0.40% above avgNationally 2.80%
Details
Cash out monthly interest payments or reinvest them to earn more
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 8 times
Bristol County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
4 Year Certificate
$0
2.74%
▲ 0.39% above Rhode Island avg
▼
Rate2.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average2.35%▲ 0.39% above avgNationally 2.80%
Details
Balance: $5,000 - $1,000
Rate History
No change since Oct 8, 2026 · 2.74% APY · checked 2 times
Centreville Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
IRA CD - 4 Year
$0
2.50%
▲ 0.15% above Rhode Island avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average2.35%▲ 0.15% above avgNationally 2.80%
Details
Premium APY
Rate History
2 changes since Sep 14, 2026 · 2.50% → 2.50% ▼ 0.00 pts · high 2.50% / low 2.25%
- Oct 3, 20262.50%▲ from 2.25%
- Sep 24, 20262.25%▼ from 2.50%
- Sep 14, 20262.50%first recorded
Ocean State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.51%
4 Year CD
$0
2.50%
▲ 0.15% above Rhode Island avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.35%▲ 0.15% above avgNationally 2.80%
Details
Interest Paid: Monthly; Early Withdrawal Penalty of 6 Months Interest
Rate History
No change since Oct 13, 2026 · 2.50% APY
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
Certificate Of Deposit - 48 month
$1,000
2.50%
▲ 0.15% above Rhode Island avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.35%▲ 0.15% above avgNationally 2.80%
Details
Rate History
No change since Oct 13, 2026 · 2.50% APY
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
IRA Certificate Of Deposit - 48 month
$500
2.50%
▲ 0.15% above Rhode Island avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.35%▲ 0.15% above avgNationally 2.80%
Details
Minimum to Earn APY: $500
Rate History
1 change since Sep 14, 2026 · 3.00% → 2.50% ▼ 0.50 pts · high 3.00% / low 2.50%
- Oct 13, 20262.50%▼ from 3.00%
- Sep 14, 20263.00%first recorded
Navigant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
4 Year Certificates of Deposit
$500
2.35%
At Rhode Island avg
▼
Rate2.33%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.35%At the averageNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 2.35% APY · checked 6 times
Navigant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
Certificates of Deposit - 4 Years
$500
2.35%
At Rhode Island avg
▼
Rate2.33%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.35%At the averageNationally 2.80%
Details
Rate History
No change since Sep 22, 2026 · 2.35% APY · checked 3 times
The Peoples Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
48 Month Certificates of Deposit
$500
2.35%
At Rhode Island avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.35%At the averageNationally 2.80%
Details
How to Open: Contact Us
Rate History
No change since Sep 22, 2026 · 2.35% APY · checked 3 times
The Peoples Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
Certificates of Deposit - 48 Months
$500
2.35%
At Rhode Island avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.35%At the averageNationally 2.80%
Details
How to Open: Contact Us
Rate History
No change since Sep 18, 2026 · 2.35% APY · checked 2 times
Centreville Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
IRA CD - 4 Year
$0
2.25%
▼ 0.10% below Rhode Island avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average2.35%▼ 0.10% below avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 5 times
Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
Certificate of Deposit - 4 Years
$500
1.65%
▼ 0.70% below Rhode Island avg
▼
Rate1.63%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.35%▼ 0.70% below avgNationally 2.80%
Details
Minimum deposit to open account is $500.00; Minimum balance to earn stated APY $0.01; Freedom Ultra Checking and Freedom Plus Checking customers receive an extra 0.25% APY on the above rates; CD withdrawals before maturity reduce the APY earned and early withdrawal penalties apply
Rate History
No change since Sep 18, 2026 · 1.65% APY · checked 7 times
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
Certificate Accounts - 48 Month Premium
$50,000
0.95%
▼ 1.40% below Rhode Island avg
▼
Rate0.95%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.35%▼ 1.40% below avgNationally 2.80%
Details
Premium
Rate History
No change since Sep 22, 2026 · 0.95% APY · checked 3 times
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
Certificate Accounts - 48 Month
$500
0.85%
▼ 1.50% below Rhode Island avg
▼
Rate0.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.35%▼ 1.50% below avgNationally 2.80%
Details
Rate History
No change since Sep 22, 2026 · 0.85% APY · checked 3 times
Westerly Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
48 Month Certificate of Deposit
$0
0.65%
▼ 1.70% below Rhode Island avg
▼
Rate0.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.35%▼ 1.70% below avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 0.65% APY · checked 4 times
Westerly Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Certificates of Deposit - 48 Months
$0
0.65%
▼ 1.70% below Rhode Island avg
▼
Rate0.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.35%▼ 1.70% below avgNationally 2.80%
Details
Rate History
No change since Oct 13, 2026 · 0.65% APY
BayCoast Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.75%
3 - Less than 4 Year Statement
$500
0.50%
▼ 1.85% below Rhode Island avg
▼
Rate0.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average2.35%▼ 1.85% below avgNationally 2.80%
Details
Rate History
No change since Oct 8, 2026 · 0.50% APY · checked 2 times
Dime Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
4 Year Certificate of Deposit Account
$500
0.30%
▼ 2.05% below Rhode Island avg
▼
Rate0.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Rhode Island Average2.35%▼ 2.05% below avgNationally 2.80%
Details
Rate History
No change since Sep 24, 2026 · 0.30% APY · checked 6 times
Dime Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Certificate of Deposit Account - 4 Years
$500
0.30%
▼ 2.05% below Rhode Island avg
▼
Rate0.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Rhode Island Average2.35%▼ 2.05% below avgNationally 2.80%
Details
Rate History
No change since Sep 19, 2026 · 0.30% APY · checked 3 times
Saunderstown 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$0
3.90%
▲ 1.38% above Rhode Island avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.52%▲ 1.38% above avgNationally 2.91%
Details
Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$0
3.85%
▲ 1.33% above Rhode Island avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.52%▲ 1.33% above avgNationally 2.91%
Details
Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 4 times
Greenwood Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
Certificates of Deposit - 5 Year
$1,000
3.75%
▲ 1.23% above Rhode Island avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.52%▲ 1.23% above avgNationally 2.91%
Details
One-time rate bump up available during term (notify credit union to bump up); Early withdrawal penalty may be imposed
Rate History
No change since Oct 13, 2026 · 3.75% APY
Shoreham Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.55%
CD Accounts - 5 Year
$0
3.50%
▲ 0.98% above Rhode Island avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.52%▲ 0.98% above avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 7 times
Shoreham Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.55%
IRA Accounts - 5 Year
$0
3.50%
▲ 0.98% above Rhode Island avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.52%▲ 0.98% above avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 7 times
Shoreham Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.55%
Online CD Accounts - Online 5 Year
$0
3.50%
▲ 0.98% above Rhode Island avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.52%▲ 0.98% above avgNationally 2.91%
Details
Rate History
No change since Oct 14, 2026 · 3.50% APY
Milford Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
60 Month Certificate
$1,000
3.45%
▲ 0.93% above Rhode Island avg
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average2.52%▲ 0.93% above avgNationally 2.91%
Details
Rate History
No change since Oct 8, 2026 · 3.45% APY · checked 2 times
Bristol County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
PRIME TIMETM Term Accounts - Certificate of Deposits and Individual Retirement Accounts - 5 Year
$0
3.30%
▲ 0.78% above Rhode Island avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average2.52%▲ 0.78% above avgNationally 2.91%
Details
Balance: $1,000 & up
Rate History
No change since Oct 8, 2026 · 3.30% APY · checked 2 times
Cranston Municipal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
60 Month Certificate of Deposit
$0
3.25%
▲ 0.73% above Rhode Island avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Rhode Island Average2.52%▲ 0.73% above avgNationally 2.91%
Details
APY=Annual Percentage Yield. Rates are subject to change without notice and may change monthly. Fees may reduce earnings on the account. A penalty may be imposed for early withdrawal. Other conditions may apply.
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 5 times
Bristol County Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.37%
5 Year Certificate
$0
2.79%
▲ 0.27% above Rhode Island avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average2.52%▲ 0.27% above avgNationally 2.91%
Details
Balance: $5,000 - $1,000
Rate History
No change since Oct 8, 2026 · 2.79% APY · checked 2 times
Citizens Access
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
5 Year Online CD
$0
2.75%
▲ 0.23% above Rhode Island avg
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.52%▲ 0.23% above avgNationally 2.91%
Details
Cash out monthly interest payments or reinvest them to earn more
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 8 times
Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
Certificate of Deposit - 5 Years
$500
2.75%
▲ 0.23% above Rhode Island avg
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.52%▲ 0.23% above avgNationally 2.91%
Details
Minimum deposit to open account is $500.00; Minimum balance to earn stated APY $0.01; Freedom Ultra Checking and Freedom Plus Checking customers receive an extra 0.25% APY on the above rates; CD withdrawals before maturity reduce the APY earned and early withdrawal penalties apply
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 7 times
Navigant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
2.5 Year Certificates of Deposit
$500
2.60%
▲ 0.08% above Rhode Island avg
▼
Rate2.57%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.52%▲ 0.08% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 2.60% APY · checked 6 times
Navigant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
Certificates of Deposit - 2.5 Years
$500
2.60%
▲ 0.08% above Rhode Island avg
▼
Rate2.57%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.52%▲ 0.08% above avgNationally 2.91%
Details
Rate History
No change since Sep 22, 2026 · 2.60% APY · checked 3 times
Centreville Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
IRA CD - 5 Year
$0
2.50%
▼ 0.02% below Rhode Island avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average2.52%▼ 0.02% below avgNationally 2.91%
Details
Premium APY
Rate History
2 changes since Sep 14, 2026 · 2.50% → 2.50% ▼ 0.00 pts · high 2.50% / low 2.25%
- Oct 3, 20262.50%▲ from 2.25%
- Sep 24, 20262.25%▼ from 2.50%
- Sep 14, 20262.50%first recorded
Ocean State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.51%
5 Year CD
$0
2.50%
▼ 0.02% below Rhode Island avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.52%▼ 0.02% below avgNationally 2.91%
Details
Interest Paid: Monthly; Early Withdrawal Penalty of 6 Months Interest
Rate History
No change since Oct 13, 2026 · 2.50% APY
Ocean State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.51%
5 Year IRA
$500
2.50%
▼ 0.02% below Rhode Island avg
▼
Rate2.48%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.52%▼ 0.02% below avgNationally 2.91%
Details
Interest Paid: Quarterly; Early Withdrawal Penalty of 6 Months Interest
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 6 times
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
Certificate Of Deposit - 60 month
$1,000
2.50%
▼ 0.02% below Rhode Island avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.52%▼ 0.02% below avgNationally 2.91%
Details
Rate History
No change since Oct 13, 2026 · 2.50% APY
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
IRA Certificate Of Deposit - 60 month
$500
2.50%
▼ 0.02% below Rhode Island avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.52%▼ 0.02% below avgNationally 2.91%
Details
Minimum to Earn APY: $500
Rate History
1 change since Sep 14, 2026 · 3.00% → 2.50% ▼ 0.50 pts · high 3.00% / low 2.50%
- Oct 13, 20262.50%▼ from 3.00%
- Sep 14, 20263.00%first recorded
Navigant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
5 Year Certificates of Deposit
$500
2.35%
▼ 0.17% below Rhode Island avg
▼
Rate2.33%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.52%▼ 0.17% below avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 2.35% APY · checked 6 times
Navigant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.30%
Certificates of Deposit - 5 Years
$500
2.35%
▼ 0.17% below Rhode Island avg
▼
Rate2.33%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.52%▼ 0.17% below avgNationally 2.91%
Details
A $500 minimum opening deposit is required to earn the advertised APY. Penalty may be imposed for early withdrawal.
Rate History
No change since Sep 22, 2026 · 2.35% APY · checked 3 times
The Peoples Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
60 Month Certificates of Deposit
$500
2.35%
▼ 0.17% below Rhode Island avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.52%▼ 0.17% below avgNationally 2.91%
Details
How to Open: Contact Us
Rate History
No change since Sep 22, 2026 · 2.35% APY · checked 3 times
The Peoples Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.51%
Certificates of Deposit - 60 Months
$500
2.35%
▼ 0.17% below Rhode Island avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.52%▼ 0.17% below avgNationally 2.91%
Details
How to Open: Contact Us
Rate History
No change since Sep 18, 2026 · 2.35% APY · checked 2 times
Centreville Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
IRA CD - 5 Year
$0
2.25%
▼ 0.27% below Rhode Island avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average2.52%▼ 0.27% below avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 5 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
TD Choice CD 5 Year
$250
1.00%
▼ 1.52% below Rhode Island avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.52%▼ 1.52% below avgNationally 2.91%
Details
Non-Promotional; Balance: $250.00 - $9,999.99
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 2 times
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
Certificate Accounts - 60 Month Premium
$50,000
1.00%
▼ 1.52% below Rhode Island avg
▼
Rate1.00%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.52%▼ 1.52% below avgNationally 2.91%
Details
Premium
Rate History
No change since Sep 22, 2026 · 1.00% APY · checked 3 times
BrightBridge Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
Certificate Accounts - 60 Month
$500
0.90%
▼ 1.62% below Rhode Island avg
▼
Rate0.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Rhode Island Average2.52%▼ 1.62% below avgNationally 2.91%
Details
Rate History
No change since Sep 22, 2026 · 0.90% APY · checked 3 times
BayCoast Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.75%
4 - 5 Year IRA Certificate of Deposit (CD)
$500
0.70%
▼ 1.82% below Rhode Island avg
▼
Rate0.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average2.52%▼ 1.82% below avgNationally 2.91%
Details
Rate History
No change since Oct 8, 2026 · 0.70% APY · checked 2 times
BayCoast Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.75%
4 - 5 Year Statement
$500
0.70%
▼ 1.82% below Rhode Island avg
▼
Rate0.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average2.52%▼ 1.82% below avgNationally 2.91%
Details
Rate History
No change since Oct 8, 2026 · 0.70% APY · checked 2 times
Westerly Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
60 Month Certificate of Deposit
$0
0.70%
▼ 1.82% below Rhode Island avg
▼
Rate0.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.52%▼ 1.82% below avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 0.70% APY · checked 4 times
Westerly Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Certificates of Deposit - 60 Months
$0
0.70%
▼ 1.82% below Rhode Island avg
▼
Rate0.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Rhode Island Average2.52%▼ 1.82% below avgNationally 2.91%
Details
Rate History
No change since Oct 13, 2026 · 0.70% APY
Centreville Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.15%
5-Year Burial Certificate
$0
0.49%
▼ 2.03% below Rhode Island avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Rhode Island Average2.52%▼ 2.03% below avgNationally 2.91%
Details
Premium APY: 0.49%
Rate History
No change since Sep 14, 2026 · 0.49% APY · checked 6 times
Dime Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
5 Year Certificate of Deposit Account
$500
0.40%
▼ 2.12% below Rhode Island avg
▼
Rate0.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Rhode Island Average2.52%▼ 2.12% below avgNationally 2.91%
Details
Rate History
No change since Sep 24, 2026 · 0.40% APY · checked 6 times
Dime Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Certificate of Deposit Account - 5 Years
$500
0.40%
▼ 2.12% below Rhode Island avg
▼
Rate0.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Rhode Island Average2.52%▼ 2.12% below avgNationally 2.91%
Details
Rate History
No change since Sep 19, 2026 · 0.40% APY · checked 3 times
Powered by
MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Saunderstown, RI CD Rate Trends
Compare local Saunderstown, RI CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
12-Month CD RI Avg
2.819%
▲ 0.065 vs 7 days ago
Rhode Island 12-month CD rates rose 0.065 points over the past 7 days to 2.819% APY.
6-Month CD RI Avg
2.835%
▲ 0.062 vs 7 days ago
Rhode Island 6-month CD rates rose 0.062 points over the past 7 days to 2.835% APY.
As of Oct 14, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered byMonitorBankRates
RI CD Rate Forecast, Next 12 Months
Where are Rhode Island CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
RI 12-Month Avg APY
2.819%
6-Month Forecast
2.819%
Range: 2.62%, 2.97%
12-Month Forecast
3.069%
Range: 2.87%, 3.22%
Powered by
MonitorBankRates
What Your Savings Earn at RI CD Rates Today
Annual interest earnings at today’s Rhode Island average APYs. State average used where available; national average as fallback.
| CD Term | RI Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.461% | $73.04 | $146.07 | $365.18 | $730.35 |
| 6-Month CD | 2.835% | $141.75 | $283.49 | $708.73 | $1,417.45 |
| 12-Month CD | 2.819% | $140.97 | $281.94 | $704.85 | $1,409.70 |
| 18-Month CD | 3.287% | $164.35 | $328.69 | $821.73 | $1,643.45 |
| 24-Month CD | 2.861% | $143.05 | $286.10 | $715.25 | $1,430.50 |
| 36-Month CD | 2.506% | $125.32 | $250.63 | $626.57 | $1,253.15 |
| 48-Month CD | 2.346% | $117.31 | $234.63 | $586.57 | $1,173.15 |
| 60-Month CD | 2.521% | $126.03 | $252.06 | $630.15 | $1,260.30 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 14, 2026. | |||||
Powered byMonitorBankRates
Sample CD Ladder for Saunderstown, Rhode Island Savers
$25,000 split equally across 5 terms using today’s Rhode Island average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | RI Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.461% | $73.04 |
| 2 | 6-Month CD | $5,000 | 2.835% | $141.75 |
| 3 | 12-Month CD | $5,000 | 2.819% | $140.97 |
| 4 | 24-Month CD | $5,000 | 2.861% | $143.05 |
| 5 | 36-Month CD | $5,000 | 2.506% | $125.32 |
| Total ($25,000 invested) | $25,000 | 2.497% blended | $624.13/yr | |
Ladder example uses equal $5,000 rungs and Rhode Island average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
Powered byMonitorBankRates
319
CD Rates
Tracked in Saunderstown, Rhode Island
Tracked in Saunderstown, Rhode Island
15 Banks
13 Credit Unions
About Our Saunderstown, Rhode Island CD Rate Database
MonitorBankRates tracks 319 CD rates from 15 banks and 13 credit unions with locations in Saunderstown, Rhode Island, plus national online institutions available to Rhode Island residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: BankNewport offers a CD at 4.50% APY with a minimum deposit of $1,000. Use the rate table above to compare all current offers in Saunderstown, Rhode Island.
How to Find the Best CD Rates in Saunderstown, Rhode Island
What to compare when shopping for a CD in Saunderstown, Rhode Island
To find the best APYs in Saunderstown, Rhode Island, start with credit unions and online-only banks: Saunderstown, Rhode Island has 13 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Saunderstown, Rhode Island
- You have a planned expense coming up and want your savings to earn while you wait
- You expect rates to fall and want to lock in today’s rate
- You want FDIC or NCUA protection with a guaranteed fixed return
- You prefer banking with an institution that has a local branch in Saunderstown, Rhode Island: 28 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Saunderstown, Rhode Island savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Saunderstown, Rhode Island money market rates
Rhode Island Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024 (state-level data shown; city data not available)
Population 65+
18.7%
National avg: 17.3%
Median Individual Earnings
$49,299
National avg: $47,340
Poverty Rate
11.2%
National avg: 11.1%
Unemployment Rate
5.8%
National avg: 4.8%
CD Earnings on 10% of Salary
$139/yr
At RI 12-mo avg 2.819% APY
18.7% of residents are 65 or older, in line with the national average of 17.3%. At today’s RI 12-month CD average of 2.819%, saving 10% of the local median salary ($4,929/year) and putting it in a CD would earn an additional $139 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Saunderstown, Rhode Island
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90 to 180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Saunderstown, Rhode Island
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Saunderstown, Rhode Island typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Saunderstown, Rhode Island as everywhere in the U.S.
Choosing a CD Term in Saunderstown, Rhode Island
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Saunderstown, Rhode Island savers easier access to their funds. For example, Bank5 Connect is offering its 6 Month CD at 4.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Navy Federal Credit Union is offering its 5 Year ESA Long-Term Certificate at 3.90% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Saunderstown, Rhode Island Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Saunderstown, Rhode Island saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Saunderstown, Rhode Island
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Saunderstown, Rhode Island CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Saunderstown, Rhode Island
Most CDs carry a fixed rate that is locked for the entire term, protecting a Saunderstown, Rhode Island depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in Saunderstown, Rhode Island
Are CD rates in Saunderstown, Rhode Island FDIC insured?
Yes, most established banks in Saunderstown, Rhode Island are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.
Do I have to pay state taxes on CD interest in Saunderstown, Rhode Island?
Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Saunderstown, Rhode Island.
Can I withdraw my money early from a CD?
You can, but most institutions charge an Early Withdrawal Penalty, typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.
What is the difference between a Jumbo CD and a regular CD?
Jumbo CDs require a higher minimum deposit, traditionally $100,000 or more. In exchange, banks in Saunderstown, Rhode Island may offer slightly higher APYs compared to standard CDs.
Are fixed-rate CDs better than variable-rate CDs?
Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.
What is a CD ladder?
A CD ladder involves opening multiple CDs with staggered maturity dates, for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.
Best CD rates in Saunderstown, Rhode Island?
Here are recent top rates found for this area:
- BankNewport: 4.50% APY (18 Month CD)
- Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
- Bristol County Savings Bank: 4.34% APY (PRIME TIMETM Term Accounts - Certificate of Deposits and Individual Retirement Accounts - 18 Month)
- Eastern Bank: 4.30% APY (18 Month CD/IRA CD)
- Milford Federal Bank: 4.25% APY (18 Month Certificate)
- Greenwood Credit Union: 4.25% APY (Certificates of Deposit - 2 Year)
- Rhode Island Credit Union: 4.25% APY (12 Month Certificate of Deposit)
- Bank5 Connect: 4.00% APY (12 Month CD)
- Santander Bank: 4.00% APY (18-Month CD)
- Webster Bank: 4.00% APY (Private 18 Month)
Rates reflect recent verified offers available in Saunderstown, Rhode Island. Last Updated: October 14, 2026
Saunderstown, Rhode Island CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Saunderstown, Rhode Island rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for Saunderstown, Rhode Island
Saunderstown, Rhode Island CD Calculator
At today’s RI top rate of 4.50% APY, a $10,000 deposit earns $450 in the first year. Enter your amount to see your exact return.
Saunderstown, Rhode Island CD LadderRI CD rates currently range from 1.461% (3-month) to 2.506% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Saunderstown, Rhode Island CD at 4.50% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsRhode Island’s average 12-month CD is 2.819% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Saunderstown, Rhode Island CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Saunderstown, Rhode Island directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Saunderstown, Rhode Island. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in RI.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 14, 2026
Saunderstown, Rhode Island Rates & Resources
Saunderstown, Rhode Island Mortgage Rates
Saunderstown, Rhode Island Refinance Rates
Saunderstown, Rhode Island Home Equity Loan Rates
Saunderstown, Rhode Island Savings Rates
Saunderstown, Rhode Island Money Market Rates
Saunderstown, Rhode Island Checking Rates
Saunderstown, Rhode Island Auto Loan Rates
Saunderstown, Rhode Island Personal Loan Rates
Saunderstown, Rhode Island Homeowners Insurance
Saunderstown, Rhode Island Car Insurance
Rate Assistant
MonitorBankRates.com · Live Data
Try asking