Greenville, Rhode Island Savings Rates for October 2026
Brian McKay
Brian McKay
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Greenville, Rhode Island savings account rates range from 0.05% to 4.35% APY, verified by MonitorBankRates as of October 31, 2026. The best savings rates for Greenville, Rhode Island and the surrounding area include Citizens AccessCitizens Access596 Putnam Pike, Greenville, RI 02828A+5.0 ★Texas Ratio: 5.44%Real return: -0.90%APY minus 3.7% CPIRate verified Oct 31, 2026 Savings account at 2.80% APY, Bristol County Savings BankBristol County Savings Bank584 Putnam Pike, Greenville, RI 02828A+5.0 ★Texas Ratio: 3.37%Real return: -3.60%APY minus 3.7% CPIRate verified Oct 27, 2026 IRA Savings Account at 0.10% APY, Navigant Credit UnionNavigant Credit Union468 Putnam Pike, Greenville, RI 02828A+5.0 ★Texas Ratio: 3.30%Real return: -3.60%APY minus 3.7% CPIRate verified Oct 29, 2026 Statement Savings at 0.10% APY, OpenbankOpenbankA5.0 ★Texas Ratio: 8.00%Real return: +0.65%APY minus 3.7% CPIRate verified Oct 30, 2026 High Yield Savings Boost at 4.35% APY, and BrioDirectBrioDirectA+5.0 ★Texas Ratio: 4.34%Real return: +0.05%APY minus 3.7% CPIRate verified Oct 30, 2026 High-Yield Savings at 3.75% APY.
Greenville has 4 local institutions in our database, with savings rates as high as 2.80% APY from Citizens Access at 596 Putnam Pike, Greenville, RI 02828. Use the table below to compare all available offers, including options from institutions serving the broader Rhode Island area. Rates are continually updated, so we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Greenville, Rhode Island and the surrounding area. Last Updated and Verified: October 31, 2026
Compare the Best Savings Rates in Greenville, Rhode Island & Surrounding Communities
Balance: $0.01 - $4,999.99; variable APY subject to change daily after account opening; APY accurate as of 07/17/2026
Minimum deposit balance of $10.00 required to earn APY; interest rate and APY may change after account opening
Introductory 6-month APY Boost of 0.35% added to standard variable APY of 4.00%; new customers only; boost expires after 6 months and rate reverts to standard variable APY
Standard variable APY; variable rate subject to change at any time without notice; personal accounts only
- Oct 19, 20264.00%▲ from 3.80%
- Oct 6, 20263.80%▼ from 4.15%
- Sep 27, 20264.15%first recorded
APY is variable and accurate as of 10/29/2026; no monthly maintenance fee; fees may reduce earnings
Minimum balance to earn APY: $25,000; In-Branch Only; APY effective 8/31/26; Minimum daily balance required during each monthly cycle to earn interest
Balance: $250,000.00 or greater; Freedom Ultra personal checking customers; Checking account required.
- Oct 26, 20263.60%▲ from 3.50%
- Oct 14, 20263.50%first recorded
Balance: $50,000.00 - $249,999.00; Freedom Ultra personal checking customers; Checking account required.
- Oct 26, 20263.50%▲ from 3.40%
- Oct 14, 20263.40%first recorded
Minimum balance to obtain disclosed APY is $10; requires Beacon Bank checking account with ownership relationship
3.20% APY**; Ideal usage: Limited access to help you reach savings goals (e.g., vacation fund); ATM Access: Yes; Check Writing: No
Balance: $250,000.00 or greater; Checking account required. Minimum to open is $10,000.00. If a Freedom Ultra Checking account holder, minimum is $25.00.
- Oct 26, 20263.10%▲ from 3.00%
- Sep 24, 20263.00%▼ from 3.50%
- Sep 18, 20263.50%first recorded
Balance: $50,000.00 - $249,999.00; Checking account required. Minimum to open is $10,000.00. If a Freedom Ultra Checking account holder, minimum is $25.00.
- Oct 26, 20263.00%▲ from 2.90%
- Sep 24, 20262.90%▼ from 3.40%
- Sep 18, 20263.40%first recorded
Balance: $0.00; Rates are fixed for 12 months; Only 1 #Goals Savings Account per membership; Closing the account early will result in the loss of 90 days of interest
Balance: $50,000.00 and over
Balance: $0.00 - $24,999.99; Minimum to open is $25.00; Limit (1) Diamond Savings account per member; No monthly fees
Balance: $100,000.00 and over; Tier 3; Minimum $10,000 in New Money required to open; New Money = funds not on deposit with Centreville Bank within last 30 days; Limited time offer
Balance: $25,000.00 - $49,999.99; Freedom Ultra personal checking customers; Checking account required.
- Oct 26, 20262.45%▲ from 2.35%
- Oct 14, 20262.35%first recorded
Balance: $2,500.00 - $24,999.99; Freedom Ultra personal checking customers; Checking account required.
- Oct 26, 20262.35%▲ from 2.25%
- Oct 14, 20262.25%first recorded
Balance: $50,000.00 - $99,999.99; Tier 2; Minimum $10,000 in New Money required to open; New Money = funds not on deposit with Centreville Bank within last 30 days; Limited time offer
Balance: $250,000.00 or Greater; Open Online: Open Account
Balance: $2,499.99 and under; Freedom Ultra personal checking customers; Checking account required.
- Oct 26, 20262.20%▲ from 2.10%
- Oct 14, 20262.10%first recorded
Balance: $1,000,000 and over; Savings & IRA
Balance: $2,500.00 - $49,999.99; Tier 1; Minimum $10,000 in New Money required to open; New Money = funds not on deposit with Centreville Bank within last 30 days; Limited time offer
Balance: $0.00 - $49,999.99
Balance: $25,000.00 - $49,999.99; Checking account required. Minimum to open is $10,000.00. If a Freedom Ultra Checking account holder, minimum is $25.00.
- Oct 26, 20261.95%▲ from 1.85%
- Sep 24, 20261.85%▼ from 2.35%
- Sep 18, 20262.35%first recorded
Balance: $500,000 - $999,999; Savings & IRA
Balance: $2,500.00 - $24,999.99; Checking account required. Minimum to open is $10,000.00. If a Freedom Ultra Checking account holder, minimum is $25.00.
- Oct 26, 20261.85%▲ from 1.75%
- Sep 24, 20261.75%▼ from 2.25%
- Sep 18, 20262.25%first recorded
Balance: $500,000.00+; Tier 5
Balance: $250,000 - $499,999; Savings & IRA
Balance: $150,000.00-$249,999.99; Open Online: Open Account
Balance: $2,499.99 and under; Checking account required. Minimum to open is $10,000.00. If a Freedom Ultra Checking account holder, minimum is $25.00.
- Oct 26, 20261.70%▲ from 1.60%
- Oct 14, 20261.60%first recorded
Balance: $100,000 - $249,999; Savings & IRA
Balance: $50,000 and over; Savings, IRA & ESA; Compounded and credited monthly; must maintain a minimum daily balance of $2,500 to earn dividends
Balance: $25,000 and over; $2,500 minimum balance to waive $10 monthly fee; Must have an active EZ Interest Checking Account
Balance: $50,000 and over
Balance: $0.00 - $29,999.99
Balance: $75,000.00 and over; Effective as of 10/01/26
Balance: $50,000.00-$149,999.99; Open Online: Open Account
Balance: $25,000.00 and above; Minimum to open is $25.00; Limit (1) Diamond Savings account per member; No monthly fees
Balance: $25,000 - $49,999; Savings, IRA & ESA; Compounded and credited monthly; must maintain a minimum daily balance of $2,500 to earn dividends
Balance: $10,000 - $24,999; Savings, IRA & ESA; Compounded and credited monthly; must maintain a minimum daily balance of $2,500 to earn dividends
Minimum to earn APY: $25,000
Balance: $2,500 - $9,999; Savings, IRA & ESA; Compounded and credited monthly; must maintain a minimum daily balance of $2,500 to earn dividends
Balance: $25,000 - $49,999
Balance: $25,000.00 - $74,999.99; Effective as of 10/01/26
Qualifications Required; Balance: Up to but not exceeding $25,000 (if qualifications are met)
Balance: $10,000 - $24,999
Balance: $0.01 - $24,999.99; $2,500 minimum balance to waive $10 monthly fee; Must have an active EZ Interest Checking Account
Balance: $2,000 - $9,999
Balance: $2,500.00 - $49,999.99; Open Online: Open Account
Balance: $2,500.00 - $24,999.99; Effective as of 10/01/26
Balance: $250,000.00 - $499,999.99; Tier 4
Balance: $100,000.00 and above; $25 minimum balance to open; Consult your tax advisor to make sure you qualify for tax deductibility of IRA contributions
IRA account; Open Online column lists phone number 401-739-4600 (not online opening)
Balance: $25,000.00 to $99,999.99; $25 minimum balance to open; Consult your tax advisor to make sure you qualify for tax deductibility of IRA contributions
Minimum balance to earn APY: $100.00
Open Online: Open Account
Open Online: Open Account
Minimum balance to earn APY: $75,000; In-Branch Only; APY effective 8/31/26; No minimum daily balance required
Compounded & Credited: Monthly
Balance: $0 - $99,999; Savings & IRA
Compounded & Credited: Monthly; Fees may reduce earnings
Savings Rates
Minimum balance to earn APY: $25,000; In-Branch Only; APY effective 8/31/26; No minimum daily balance required
Tier 5; Balance: $75,000.00+
Balance: $100,000.00 - $249,999.99; Tier 3
Tier 5; Balance: $75,000.00 and over
Minimum balance to earn APY: $25.00; In-Branch Only; APY effective 8/31/26; No minimum daily balance required
Balance: $75,000.00 or greater
Tier 4; Balance: $50,000.00 - $74,999.99
Balance: $50,000.00 - $99,999.99; Tier 2
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Greenville, RI Savings Rate Trends
Compare local Greenville, RI savings rate quotes against the statewide average
Daily savings rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Rhode Island high-yield savings rates rose 0.013 points over the past 7 days to 2.720% APY, up from 2.707%.
Rhode Island standard savings rates fell 0.018 points over the past 7 days to 0.658% APY, down from 0.676%.
Greenville, Rhode Island Savings Rate Forecast, Next 12 Months
Savings rates move with Federal Reserve policy. Our model uses the current RI high-yield average and a Fed funds spread to project the likely rate trajectory for 2026 to 2027.
Savings account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current RI high-yield savings average of 2.720% APY and a Fed funds spread model calibrated to the historical relationship between policy rate changes and deposit rate adjustments at banks and credit unions.
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit rates at banks and credit unions track policy-rate changes within 60 to 90 days. High-yield online savings rates tend to adjust faster than standard branch-based savings rates.
Important notice: This forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions in Greenville, Rhode Island.
Savings Account Earnings in Greenville, Rhode Island
Annual interest earnings at current RI average APYs, based on the high-yield and standard savings averages tracked in our database. Compounding assumed monthly.
| Balance | HY Savings (2.720% APY) | Monthly Earnings | Standard Savings (0.658% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $136.00 / year | $11.33 | $32.90 / year | $2.74 |
| $10,000 | $271.99 / year | $22.67 | $65.79 / year | $5.48 |
| $25,000 | $679.98 / year | $56.67 | $164.48 / year | $13.71 |
| $50,000 | $1,359.95 / year | $113.33 | $328.95 / year | $27.41 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, and daily balance maintained. Rates are variable and subject to change. Source: Greenville, Rhode Island savings rate averages as of October 31, 2026. | ||||
About Our Greenville, Rhode Island Savings Rate Database
MonitorBankRates found 3 institutions with branches in Greenville (2 banks, 1 credit union), plus 16 additional state-chartered and national online institutions available to Greenville 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: Citizens Access offers a savings account at 2.80% APY. Use the rate table above to compare all current offers in Greenville, Rhode Island.
How to Find the Best Savings Rates in Greenville, Rhode Island
What to compare when shopping for a savings account in Greenville, Rhode Island
To find the best savings APYs in Greenville, Rhode Island, start with credit unions and online-only banks: Greenville, Rhode Island has 8 credit unions in our database, and they consistently offer some of the highest yields because they are member-owned nonprofits with lower overhead than traditional banks.
Always compare the APY (Annual Percentage Yield), not just the interest rate. APY reflects compounding and is the true measure of what you’ll earn. Savings accounts that compound daily earn slightly more than those compounding monthly at the same stated rate. The current RI high-yield savings average is 2.720% but top local institutions are offering as high as 2.80%, so shopping around pays off.
Unlike a CD, savings account rates are variable. Your rate can change at any time with Federal Reserve policy. Many institutions offer elevated introductory rates that reset after a promotional period. Review your account periodically to ensure your APY remains competitive.
When a High-Yield Savings Account Makes Sense
- Emergency fund: Financial experts recommend 3 to 6 months of expenses in a liquid, FDIC-insured account. Greenville, Rhode Island high-yield savings rates currently average 2.720% APY, far above a typical checking account.
- Short-term savings goals (6 to 24 months): If you may need the money soon, a savings account gives you immediate access without early withdrawal penalties.
- Parking cash between investments: A high-yield savings account at Greenville, Rhode Island institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 19 institutions in Greenville, Rhode Island report savings rates to our database.
- You’re among Greenville, Rhode Island’s 33.2% of residents aged 65+ for whom liquid, accessible savings complement fixed-income holdings.
- No rate lock-in risk: Unlike a CD, your rate moves up with the market if rates rise further.
Consider an Alternative If…
- You want a locked-in, guaranteed return Greenville, Rhode Island CD rates
- You want check-writing flexibility Greenville, Rhode Island money market rates
- You need daily transaction access Greenville, Rhode Island checking rates
Greenville, Rhode Island Financial Snapshot
Local demographics and economic context for savers. Source: U.S. Census Bureau
33.2% of residents are 65 or older, above the national average of 17.3%, making liquid, accessible savings accounts a particularly relevant option in this market. At today’s RI high-yield savings average of 2.720%, saving 10% of the local median salary ($6,095/year) would earn an additional $166 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Greenville, Rhode Island Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Greenville, Rhode Island.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current RI Avg APY | 2.720% | 0.658% | View MMA Rates | View CD Rates |
| Rate Type | Variable | Variable | Variable | Fixed for term |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Withdraw Anytime | ✓ Yes | ✓ Yes | ✓ Yes | ✗ Penalty applies |
| Check Writing | ✗ No | ✗ No | ✓ Often yes | ✗ No |
| Debit / ATM Card | Some institutions | ✗ Rarely | ✓ Often yes | ✗ No |
| Typical Min Deposit | $0 to $100 | $25 to $100 | $0 to $2,500 | $500 to $1,000 |
| Rate Risk | Variable, moves with Fed policy | Variable, moves with Fed policy | Variable, moves with Fed policy | None, locked for term |
| Best For | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Active savers wanting flexibility + check writing | Locking in a rate for a defined period |
APY data reflects Greenville, Rhode Island averages tracked in our database as of October 31, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Greenville, Rhode Island
At RI’s top rate of 2.80% from Citizens Access, a $10,000 deposit earns $280 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Greenville, Rhode Island earner is roughly $15,200. At 2.720% APY, saving $1,270/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. High-Yield SavingsRhode Island’s high-yield savings average is 2.720% APY, variable and always accessible. A local CD may offer a higher fixed yield in exchange for locking in your deposit. Compare both side-by-side to find the better fit for your timeline.
Budget CalculatorBefore you can grow your savings, you need to know how much you can set aside each month. The median Greenville, Rhode Island earner makes $60,959/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 2.720% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 2.720% APY grows to roughly $42,759 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Greenville, Rhode Island savings 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 Savings Rate Data: We aggregate savings account rates for Greenville, 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. Every savings rate displayed 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 Greenville, Rhode Island. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to large national institutions available to savers in RI.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Savings Accounts in Greenville, Rhode Island
What are savings account rates in Greenville, Rhode Island today?
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Greenville, Rhode Island safe?
How often do savings rates change in Greenville, Rhode Island?
Do I need a minimum deposit to open a savings account?
What is the difference between a Savings Account and a Money Market Account?
Are online banks better than local banks in Greenville, Rhode Island?
How do I open a savings account in Greenville, Rhode Island?
Best Savings Rates in Greenville, Rhode Island
- Citizens Access
Savings account: 2.80% APY - Bristol County Savings Bank
IRA Savings Account: 0.10% APY - Navigant Credit Union
Statement Savings: 0.10% APY - Openbank
High Yield Savings Boost: 4.35% APY - BrioDirect
High-Yield Savings: 3.75% APY
Greenville, Rhode Island Rates & Resources
