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Warwick, Rhode Island CD Rates Today - Compare Best APYs for May 2026

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Brian McKay Brian McKay
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| iEditorial Disclosure
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.
| ✓Fact Checked | CD Rates Last Updated and Verified: May 10, 2026

Current Warwick, Rhode Island CD rates include Webster BankWebster Bank1376 Bald Hill Rd, Warwick, RI 02886A+5.0 ★Texas Ratio: 2.48%Real return: +1.20%APY minus CPI (February 2026) offering Private 3-Month CD at 4.00% APY, Shoreham BankShoreham Bank1 Shoreham Way, Warwick, RI 02886A5.0 ★Texas Ratio: 10.45%Real return: +1.10%APY minus CPI (February 2026) offering 3 Month CD at 3.90% APY, Greenwood Credit UnionGreenwood Credit Union2669 Post Rd, Warwick, RI 02886 3039A+5.0 ★Texas Ratio: 3.56%Real return: +0.95%APY minus CPI (February 2026) offering 5 Year Certificates of Deposit at 3.75% APY, Eastern Bank Boston, MAEastern Bank Boston, MA2089 Warwick Ave, Warwick, RI 02889A+5.0 ★Texas Ratio: 2.03%Real return: +0.95%APY minus CPI (February 2026) offering 6 Month CD/IRA CD at 3.75% APY, and BankNewportBankNewport27 Strawberry Field Rd, Warwick, RI 02886A+5.0 ★Texas Ratio: 3.06%Real return: +0.85%APY minus CPI (February 2026) offering 12 Months IRA Certificates at 3.65% APY. CD rates as of May 10, 2026 according to verified data from MonitorBankRates.

Warwick has 93 local institutions in our database, with CD rates as high as 4.00% APY from Webster Bank at 1376 Bald Hill Rd, Warwick, RI 02886. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Rhode Island area. Rates are continually updated — 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: May 10, 2026

Compare Best CD Rates in Warwick, Rhode Island & the Surrounding Area

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
1376 Bald Hill Rd, Warwick, RI 02886
Private 3-Month CD
$0
4.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Shoreham Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
1 Shoreham Way, Warwick, RI 02886
3 Month CD
$0
3.90%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Bank5 Connect
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
1060 Centerville Road, Warwick, RI 02886
3 Month CD
$500
3.20%
View
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details

Eastern Bank Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
2089 Warwick Ave, Warwick, RI 02889
3 Month CD
$2,500
2.02%
View
▼
Rate2.00%
Min Deposit$2,500
Min Balance—
UpdatedMay 5, 2026
Details

Eastern Bank Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
2089 Warwick Ave, Warwick, RI 02889
3 Month Premier Account CD and IRA CDs
$2,500
2.02%
View
▼
Rate2.00%
Min Deposit$2,500
Min Balance—
UpdatedMay 5, 2026
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2625 W Shore Rd, Warwick, RI 02889
3 Month
$250
1.00%
View
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 4, 2026
Details

Relationship APY

Greenwood Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
2669 Post Rd, Warwick, RI 02886 3039
3 Month Certificates of Deposit
$1,000
0.50%
View
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details

Rhode Island Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
95 Jefferson Blvd, Warwick, RI 02888
3 Month Certificate of Deposit
$500
0.15%
View
▼
Rate0.15%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details

Rhode Island Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
95 Jefferson Blvd, Warwick, RI 02888
Certificates of Deposit 3 Month
$500
0.15%
View
▼
Rate0.15%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details

Westerly Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
Premier 3 Month CD Special
$100,000
3.20%
View
▼
Rate3.15%
Min Deposit$100,000
Min Balance—
UpdatedMay 10, 2026
Details

Westerly Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
Premier 3 Month CD Special
$50,000
3.05%
View
▼
Rate3.01%
Min Deposit$50,000
Min Balance—
UpdatedMay 10, 2026
Details

Westerly Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
Premier 3 Month CD Special
$25,000
2.85%
View
▼
Rate2.81%
Min Deposit$25,000
Min Balance—
UpdatedMay 10, 2026
Details

Westerly Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
Premier 3 Month CD Special
$500
2.70%
View
▼
Rate2.67%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details

Westerly Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
Certificates of Deposit 3 Months
$0
0.10%
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Westerly Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
IRA Certificates 3 Months
$0
0.10%
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

The Peoples Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
Certificates of Deposit 3 Months
$500
0.10%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Greenwood Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
2669 Post Rd, Warwick, RI 02886 3039
6 Month Certificates of Deposit
$1,000
3.75%
View
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details

Eastern Bank Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
2089 Warwick Ave, Warwick, RI 02889
6 Month CD/IRA CD
$2,500
3.75%
View
▼
Rate3.72%
Min Deposit$2,500
Min Balance—
UpdatedMay 5, 2026
Details

Rhode Island Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
95 Jefferson Blvd, Warwick, RI 02888
6 Month Certificate of Deposit
$500
3.50%
View
▼
Rate3.47%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details

Rhode Island Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
95 Jefferson Blvd, Warwick, RI 02888
Certificates of Deposit 6 Month
$500
3.50%
View
▼
Rate3.47%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details

Bank5 Connect
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
1060 Centerville Road, Warwick, RI 02886
6 Month CD
$500
3.20%
View
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details

BankNewport
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
27 Strawberry Field Rd, Warwick, RI 02886
Premium Gold Certificates of Deposit IRA 6 months
$0
3.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
405 Warwick Ave, Warwick, RI 02888 1344
IRA Certificate Of Deposit 6 month
$0
3.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

BankNewport
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
27 Strawberry Field Rd, Warwick, RI 02886
Premium Gold IRA 6 months
$0
3.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
405 Warwick Ave, Warwick, RI 02888 1344
6 month Certificate Of Deposit
$0
3.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

BankNewport
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
27 Strawberry Field Rd, Warwick, RI 02886
6 months IRA Certificates
$0
3.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

BankNewport
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
27 Strawberry Field Rd, Warwick, RI 02886
6 months Certificates of Deposit
$0
3.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Navigant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
2100 Warwick Ave, Warwick, RI 02889
6 Months
$0
2.85%
View
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Navigant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
2100 Warwick Ave, Warwick, RI 02889
6 Months Certificates of Deposit
$0
2.85%
View
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2625 W Shore Rd, Warwick, RI 02889
6 Month
$250
1.00%
View
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 4, 2026
Details

Relationship APY

Blackstone River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
6 Month Certificate of Deposit
$0
3.04%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

$1,000.00 Minimum balance required

Westerly Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
Certificates of Deposit 6 Months
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Westerly Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
IRA Certificates 6 Months
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

The Peoples Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
Certificates of Deposit 6 Months
$500
3.00%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
BankNewport
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
27 Strawberry Field Rd, Warwick, RI 02886
12 Months IRA Certificates
$0
3.65%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

New or Existing Money

Greenwood Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
2669 Post Rd, Warwick, RI 02886 3039
1 Year Certificates of Deposit
$1,000
3.65%
View
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details

Rhode Island Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
95 Jefferson Blvd, Warwick, RI 02888
12 Month Certificate of Deposit
$500
3.65%
View
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details

Rhode Island Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
95 Jefferson Blvd, Warwick, RI 02888
Certificates of Deposit 12 Month
$500
3.65%
View
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details

Ocean State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
2247 W Shore Rd, Warwick, RI 02889 8440
1 Year CD
$1,000
3.50%
View
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details

Ocean State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
2247 W Shore Rd, Warwick, RI 02889 8440
1 Year IRA
$500
3.50%
View
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details

Bank5 Connect
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
1060 Centerville Road, Warwick, RI 02886
12 Month CD
$500
3.20%
View
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details

Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
405 Warwick Ave, Warwick, RI 02888 1344
12 month Certificate Of Deposit
$0
2.90%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
405 Warwick Ave, Warwick, RI 02888 1344
IRA Certificate Of Deposit 12 month
$0
2.90%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Navigant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
2100 Warwick Ave, Warwick, RI 02889
12 Months Certificates of Deposit
$0
2.85%
View
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Navigant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
2100 Warwick Ave, Warwick, RI 02889
12 Months
$0
2.85%
View
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Eastern Bank Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
2089 Warwick Ave, Warwick, RI 02889
Blended 12 Month APY
$0
2.17%
View
▼
Rate2.15%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Eastern Bank Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
2089 Warwick Ave, Warwick, RI 02889
Blended 12 Month APY
$0
1.21%
View
▼
Rate1.20%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2625 W Shore Rd, Warwick, RI 02889
12 Month IRA Certificates
$250
1.00%
View
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 4, 2026
Details

Relationship APY

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2625 W Shore Rd, Warwick, RI 02889
12 Month
$250
1.00%
View
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 4, 2026
Details

Relationship APY

Eastern Bank Boston, MA
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
2089 Warwick Ave, Warwick, RI 02889
Blended 12 Month APY
$0
0.01%
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Westerly Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
Certificates of Deposit 12 Months
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Westerly Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
IRA Certificates 12 Months
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Blackstone River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
12 Month Certificate of Deposit
$0
3.04%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

$1,000.00 Minimum balance required

The Peoples Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
Certificates of Deposit 12 Months
$500
2.75%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Ocean State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
2247 W Shore Rd, Warwick, RI 02889 8440
18 Month CD
$1,000
3.50%
View
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details

Ocean State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
2247 W Shore Rd, Warwick, RI 02889 8440
18 Month IRA
$500
3.50%
View
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details

BankNewport
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
27 Strawberry Field Rd, Warwick, RI 02886
18 months Certificates of Deposit
$0
3.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

BankNewport
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
27 Strawberry Field Rd, Warwick, RI 02886
18 months IRA Certificates
$0
3.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Greenwood Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
2669 Post Rd, Warwick, RI 02886 3039
18 Month Certificates of Deposit
$1,000
3.50%
View
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details

BankNewport
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
27 Strawberry Field Rd, Warwick, RI 02886
Premium Gold Certificates of Deposit IRA 18 months
$0
3.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

BankNewport
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
27 Strawberry Field Rd, Warwick, RI 02886
Premium Gold IRA 18 months
$0
3.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Rhode Island Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
95 Jefferson Blvd, Warwick, RI 02888
18 Month Certificate of Deposit
$500
3.25%
View
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details

Rhode Island Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
95 Jefferson Blvd, Warwick, RI 02888
Certificates of Deposit 18 Month
$500
3.25%
View
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details

Bank5 Connect
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
1060 Centerville Road, Warwick, RI 02886
18 Month CD
$500
3.20%
View
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details

Navigant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
2100 Warwick Ave, Warwick, RI 02889
18 Months
$0
2.60%
View
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Navigant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
2100 Warwick Ave, Warwick, RI 02889
18 Months Certificates of Deposit
$0
2.60%
View
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
405 Warwick Ave, Warwick, RI 02888 1344
18 month Certificate Of Deposit
$0
2.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
405 Warwick Ave, Warwick, RI 02888 1344
IRA Certificate Of Deposit 18 month
$0
2.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2625 W Shore Rd, Warwick, RI 02889
18 Month IRA Certificates
$250
1.00%
View
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 4, 2026
Details

Relationship APY

The Peoples Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
Certificates of Deposit 18 Months
$500
3.51%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details

Westerly Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
Certificates of Deposit 18 Months
$0
3.35%
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Westerly Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
IRA Certificates 18 Months
$0
3.35%
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Blackstone River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
18 Month Certificate of Deposit
$0
3.04%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

$1,000.00 Minimum balance required

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Greenwood Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
2669 Post Rd, Warwick, RI 02886 3039
2 Year Certificates of Deposit
$1,000
3.65%
View
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details

BankNewport
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
27 Strawberry Field Rd, Warwick, RI 02886
24 months Certificates of Deposit
$0
3.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

BankNewport
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
27 Strawberry Field Rd, Warwick, RI 02886
24 months IRA Certificates
$0
3.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

BankNewport
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
27 Strawberry Field Rd, Warwick, RI 02886
Premium Gold Certificates of Deposit IRA 24 months
$0
3.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

BankNewport
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
27 Strawberry Field Rd, Warwick, RI 02886
Premium Gold IRA 24 months
$0
3.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Rhode Island Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
95 Jefferson Blvd, Warwick, RI 02888
24 Month Certificate of Deposit
$500
3.35%
View
▼
Rate3.31%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details

Rhode Island Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
95 Jefferson Blvd, Warwick, RI 02888
Certificates of Deposit 24 Month
$500
3.35%
View
▼
Rate3.31%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details

Ocean State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
2247 W Shore Rd, Warwick, RI 02889 8440
2 Year CD
$1,000
3.25%
View
▼
Rate3.21%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details

Ocean State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
2247 W Shore Rd, Warwick, RI 02889 8440
2 Year IRA
$500
3.25%
View
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details

Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
405 Warwick Ave, Warwick, RI 02888 1344
24 month Certificate Of Deposit
$0
3.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
405 Warwick Ave, Warwick, RI 02888 1344
IRA Certificate Of Deposit 24 month
$0
3.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Navigant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
2100 Warwick Ave, Warwick, RI 02889
2 Years
$0
2.60%
View
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Navigant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
2100 Warwick Ave, Warwick, RI 02889
2 Years Certificates of Deposit
$0
2.60%
View
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2625 W Shore Rd, Warwick, RI 02889
24 Month
$250
1.00%
View
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 4, 2026
Details

Relationship APY

The Peoples Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
Certificates of Deposit 24 Months
$500
3.50%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details

Blackstone River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
24 Month Certificate of Deposit
$0
3.04%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

$1,000.00 Minimum balance required

Westerly Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
Certificates of Deposit 24 Months
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Westerly Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
IRA Certificates 24 Months
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Greenwood Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
2669 Post Rd, Warwick, RI 02886 3039
3 Year Certificates of Deposit
$1,000
3.75%
View
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details

Ocean State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
2247 W Shore Rd, Warwick, RI 02889 8440
3 Year CD
$1,000
3.15%
View
▼
Rate3.11%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details

Ocean State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
2247 W Shore Rd, Warwick, RI 02889 8440
3 Year IRA
$500
3.15%
View
▼
Rate3.11%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details

Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
405 Warwick Ave, Warwick, RI 02888 1344
36 month Certificate Of Deposit
$0
3.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
405 Warwick Ave, Warwick, RI 02888 1344
IRA Certificate Of Deposit 36 month
$0
3.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Navigant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
2100 Warwick Ave, Warwick, RI 02889
3 Years
$0
2.50%
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Navigant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
2100 Warwick Ave, Warwick, RI 02889
3 Years Certificates of Deposit
$0
2.50%
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2625 W Shore Rd, Warwick, RI 02889
3 Year
$250
1.00%
View
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 4, 2026
Details

Relationship APY

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2625 W Shore Rd, Warwick, RI 02889
3 Year Certificate
$250
1.00%
View
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 4, 2026
Details

Relationship APY

Bank5 Connect
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
1060 Centerville Road, Warwick, RI 02886
36 Month CD
$500
0.85%
View
▼
Rate0.85%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details

Blackstone River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
36 Month Certificate of Deposit
$0
3.04%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

$1,000.00 Minimum balance required

Westerly Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
Certificates of Deposit 36 Months
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Westerly Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
IRA Certificates 36 Months
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

The Peoples Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
Certificates of Deposit 36 Months
$500
0.45%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Greenwood Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
2669 Post Rd, Warwick, RI 02886 3039
4 Year Certificates of Deposit
$1,000
3.75%
View
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details

Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
405 Warwick Ave, Warwick, RI 02888 1344
48 month Certificate Of Deposit
$0
3.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
405 Warwick Ave, Warwick, RI 02888 1344
IRA Certificate Of Deposit 48 month
$0
3.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Ocean State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
2247 W Shore Rd, Warwick, RI 02889 8440
4 Year CD
$5,000
2.50%
View
▼
Rate2.47%
Min Deposit$5,000
Min Balance—
UpdatedMay 10, 2026
Details

Navigant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
2100 Warwick Ave, Warwick, RI 02889
4 Years
$0
2.35%
View
▼
Rate2.33%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Navigant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
2100 Warwick Ave, Warwick, RI 02889
4 Years Certificates of Deposit
$0
2.35%
View
▼
Rate2.33%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Westerly Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
Certificates of Deposit 48 Months
$0
0.65%
View
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Westerly Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
IRA Certificates 48 Months
$0
0.65%
View
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

The Peoples Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
Certificates of Deposit 48 Months
$500
0.55%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Greenwood Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
2669 Post Rd, Warwick, RI 02886 3039
5 Year Certificates of Deposit
$1,000
3.75%
View
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details

Shoreham Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
1 Shoreham Way, Warwick, RI 02886
5 Year CD
$0
3.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
405 Warwick Ave, Warwick, RI 02888 1344
60 month Certificate Of Deposit
$0
3.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
405 Warwick Ave, Warwick, RI 02888 1344
IRA Certificate Of Deposit 60 month
$0
3.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Navigant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
2100 Warwick Ave, Warwick, RI 02889
2.5 Years
$0
2.60%
View
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Navigant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
2100 Warwick Ave, Warwick, RI 02889
2.5 Years Certificates of Deposit
$0
2.60%
View
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Ocean State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
2247 W Shore Rd, Warwick, RI 02889 8440
5 Year CD
$5,000
2.50%
View
▼
Rate2.47%
Min Deposit$5,000
Min Balance—
UpdatedMay 10, 2026
Details

Ocean State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
2247 W Shore Rd, Warwick, RI 02889 8440
5 Year IRA
$500
2.50%
View
▼
Rate2.48%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details

Navigant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
2100 Warwick Ave, Warwick, RI 02889
5 Years
$0
2.35%
View
▼
Rate2.33%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Navigant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.27%
2100 Warwick Ave, Warwick, RI 02889
5 Years Certificates of Deposit
$0
2.35%
View
▼
Rate2.33%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
2625 W Shore Rd, Warwick, RI 02889
5 Year
$0
1.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Relationship APY

Westerly Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
Certificates of Deposit 60 Months
$0
0.70%
View
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Westerly Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
IRA Certificates 60 Months
$0
0.70%
View
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

The Peoples Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
Certificates of Deposit 60 Months
$500
0.65%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details

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.

Key Takeaways

What to know about CD rates in Warwick, Rhode Island at a glance.

  • APY tells you the real return. Annual Percentage Yield includes the effect of compounding, while a nominal interest rate doesn't — always compare CDs by APY, not the headline rate.
  • The highest CD APY currently available to Warwick depositors is 4.00% APY from Webster Bank. The rate table above ranks every offer we track for this market, sorted by APY.
  • Credit unions often post the highest APYs. Their not-for-profit structure and lower overhead let them pass more yield through to depositors than traditional banks, so it's worth comparing offers from both when shopping for the best rate.
  • CDs are insured up to $250,000 per depositor, per institution, per ownership category — by the FDIC for banks, the NCUA for credit unions. Watch for early-withdrawal penalties, which typically run 30 to 180 days of interest depending on the term, so only commit funds you won't need before maturity.

Top CD Rates from Warwick, Rhode Island Institutions

Highest verified APYs available today — updated May 10, 2026

B Top 5 Bank Rates
Webster Bank
Private 3-Month CD
A+ 5.0 ★ TX: 2.48%
Min: $0
4.00%
Shoreham Bank
3 Month CD
A 5.0 ★ TX: 10.45%
Min: $0
3.90%
Eastern Bank Boston, MA
6 Month CD/IRA CD
A+ 5.0 ★ TX: 2.03%
Min: $2,500
3.75%
BankNewport
12 Months IRA Certificates
A+ 5.0 ★ TX: 3.06%
Min: $0
3.65%
Bank5 Connect
3 Month CD
A+ 5.0 ★ TX: 1.34%
Min: $500
3.20%
CU Top 5 Credit Union Rates
Greenwood Credit Union
5 Year Certificates of Deposit
A+ 5.0 ★ TX: 3.56%
Min: $1,000
3.75%
Rhode Island Credit Union
Certificates of Deposit 12 Month
A+ 5.0 ★ TX: 2.38%
Min: $500
3.65%
Ocean State Credit Union
1 Year CD
A 5.0 ★ TX: 7.10%
Min: $1,000
3.50%
Coastal1 Credit Union
36 month Certificate Of Deposit
A+ 5.0 ★ TX: 2.03%
Min: $0
3.00%
Navigant Credit Union
6 Months
A+ 5.0 ★ TX: 4.27%
Min: $0
2.85%
Rates verified May 10, 2026 — Click an institution name to view its full profile, safety ratings, and all CD terms.

Warwick, RI CD Rate Trends

Compare local Warwick, 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.

View Full Rhode Island CD Trends →
12-Month CD — RI Avg
2.649%
▲ 0.368 vs 7 days ago

Rhode Island 12-month CD rates rose 0.368 points over the past 7 days to 2.649% APY.

6-Month CD — RI Avg
2.967%
▲ 0.027 vs 7 days ago

Rhode Island 6-month CD rates rose 0.027 points over the past 7 days to 2.967% APY.

As of May 13, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

RI CD Rate Forecast — Next 12 Months

Where are Rhode Island CD rates headed through May 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

RI 12-Month Avg APY
2.649%
6-Month Forecast
2.649%
Range: 2.45% – 2.80%
12-Month Forecast
2.399%
Range: 2.20% – 2.55%

Data inputs: The central forecast uses CME FedWatch implied fed funds path and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Rhode Island average 12-month CD APY in our database.

Spread model: The Rhode Island 12-month CD average currently trades 1.73% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (Fed holds longer, deposit competition remains high). Lower bound subtracts 0.20% (earlier or deeper rate cuts compress yields faster).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

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 1.786% $89.28 $178.56 $446.40 $892.80
6-Month CD 2.967% $148.33 $296.65 $741.63 $1,483.25
12-Month CD 2.649% $132.46 $264.92 $662.30 $1,324.60
18-Month CD 3.004% $150.22 $300.44 $751.10 $1,502.20
24-Month CD 3.057% $152.83 $305.66 $764.15 $1,528.30
36-Month CD 2.142% $107.12 $214.23 $535.58 $1,071.15
48-Month CD 2.006% $100.29 $200.58 $501.45 $1,002.90
60-Month CD 2.392% $119.59 $239.17 $597.93 $1,195.85
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of May 10, 2026.

Sample CD Ladder for Warwick, 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.

Build Your Ladder →
Rung Term Deposit RI Avg APY Annual Earnings
1 3-Month CD $5,000 1.786% $89.28
2 6-Month CD $5,000 2.967% $148.33
3 12-Month CD $5,000 2.649% $132.46
4 24-Month CD $5,000 3.057% $152.83
5 36-Month CD $5,000 2.142% $107.12
Total ($25,000 invested) $25,000 2.520% blended $630.02/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.

118
CD Rates
Tracked in Warwick, Rhode Island
6 Banks 8 Credit Unions

About Our Warwick, Rhode Island CD Rate Database

MonitorBankRates tracks 118 CD rates from 6 banks and 8 credit unions with locations in Warwick, 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 (1–5), 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: Webster Bank offers a CD at 4.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Warwick, Rhode Island.

How to Find the Best CD Rates in Warwick, Rhode Island

What to compare when shopping for a CD in Warwick, Rhode Island

To find the best APYs in Warwick, Rhode Island, start with credit unions and online-only banks — Warwick, Rhode Island has 8 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 Warwick, 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 Warwick, Rhode Island — 14 institutions here report CD rates

Consider an Alternative If…

Warwick, Rhode Island Financial Snapshot

Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024

Population 65+
21.6%
National avg: 17.3%
Median Individual Earnings
$53,258
National avg: $47,340
Poverty Rate
7.6%
National avg: 11.1%
Unemployment Rate
5.1%
National avg: 4.8%
CD Earnings on 10% of Salary
$141/yr
At RI 12-mo avg 2.649% APY

21.6% of residents are 65 or older — above the national average of 17.3% — making fixed-rate CDs a particularly relevant savings vehicle in this market. At today’s RI 12-month CD average of 2.649%, saving 10% of the local median salary ($5,325/year) and putting it in a CD would earn an additional $141 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 Warwick, 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 (90–180 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

Frequently Asked Questions about CD Rates in Warwick, Rhode Island

Are CD rates in Warwick, Rhode Island FDIC insured?

Yes, most established banks in Warwick, 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 Warwick, 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 Warwick, 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 Warwick, 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 Warwick, Rhode Island?

Here are recent top rates found for this area:
  • Webster Bank: 4.00% APY (Private 3-Month CD)
  • Shoreham Bank: 3.90% APY (3 Month CD)
  • Greenwood Credit Union: 3.75% APY (5 Year Certificates of Deposit)
  • Eastern Bank Boston, MA: 3.75% APY (6 Month CD/IRA CD)
  • Rhode Island Credit Union: 3.65% APY (12 Month Certificate of Deposit)
  • BankNewport: 3.65% APY (12 Months IRA Certificates)
  • Ocean State Credit Union: 3.50% APY (18 Month IRA)
  • Bank5 Connect: 3.20% APY (3 Month CD)
  • Coastal1 Credit Union: 3.00% APY (IRA Certificate Of Deposit 24 month)
  • Navigant Credit Union: 2.85% APY (6 Months)
Rates reflect recent verified offers available in Warwick, Rhode Island. Last Updated: May 10, 2026

CD Calculators for Warwick, Rhode Island

Warwick, Rhode Island CD Calculator

At today’s RI top rate of 4.00% APY, a $10,000 deposit earns $400 in the first year. Enter your amount to see your exact return.

Warwick, Rhode Island CD Ladder

RI CD rates currently range from 1.786% (3-month) to 2.142% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Warwick, Rhode Island CD at 4.00% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.

CD vs. High-Yield Savings

Rhode Island’s average 12-month CD is 2.649% 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

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Warwick, 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 pulling data straight 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 Warwick, 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: May 10, 2026

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