Rhode Island CD Rate Trends
Track current and weekly average certificate of deposit APYs across all products in Rhode Island, view interactive rate trend charts, and compare RI APYs against the national average.
Current Rhode Island CD Rate Trends
CD APYs in Rhode Island fell by -0.677 this week, bringing the current 12-Month CD average APY down to 2.588%. Savers in RI are seeing slightly reduced yields compared to last week, when the average stood at 3.265%.
At 2.588%, Rhode Island's 12-Month CD APY sits -0.214 below the current national average of 2.802%. Savers in RI may find better yields by comparing online offerings or considering national institutions.
The 6-Month CD APY in Rhode Island currently averages 2.721%, compared to 2.989% last week. Savers weighing a shorter term should note that 6-Month CDs typically offer lower APYs than 12-Month CDs but provide more flexibility to access funds sooner.
The Rhode Island certificate of deposit rate averages displayed on this page are calculated from our database of over 8,500 banks and credit unions actively operating across the state of Rhode Island. Our proprietary systems collect and verify deposit rates daily — tracking what real licensed institutions are actually offering to depositors. Every day we aggregate those individual data points into state-level averages that represent a true, real-market picture of what RI residents are being offered today.
Unlike comparison sites that show only a handful of institutions, MonitorBankRates maintains a continuously updated certificate of deposit rate database spanning community banks, regional lenders, national institutions, and credit unions across Rhode Island. This scale allows us to calculate averages that reflect the full deposit landscape — not just the most aggressive advertisers — giving savers, journalists, and financial professionals a more accurate benchmark for what APYs actually look like in RI.
Data reflects average APYs offered by licensed institutions operating in RI. Last Updated: March 20, 2026
Rhode Island CD Rate Trends
Weekly average APYs across all cd products. Hover over the chart to see exact APYs for each week.
As of Mar 20, 2026 • Data provided by MonitorBankRates.com
For Media, Researchers & Real Estate Professionals
Journalists covering Rhode Island financial markets, personal finance professionals advising clients on deposit strategy, and academic researchers studying regional banking patterns are welcome to cite and reference this data. All historical RI cd rate data is free to use for editorial, research, and educational purposes.
Please attribute MonitorBankRates.com when referencing our figures in any publication, article, or report — and optionally link to https://www.monitorbankrates.com/certificate-of-deposit-cd-rates/rhode-island/trends. For custom data pulls, contact us here.
