Harmony, Rhode Island (RI) Savings Rates - March 2026
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The savings 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.
The best savings rates for Harmony, Rhode Island and the surrounding area include Bank5 ConnectBank5 Connect590 Metacom Ave, Bristol, RI 02809A+5.0 ★Texas Ratio: 1.34% Jumbo Savings at 3.75% APY, Shoreham BankShoreham Bank1 Shoreham Way, Warwick, RI 02886A5.0 ★Texas Ratio: 10.45% Soaring Savings at 3.60% APY, Cranston Municipal Employees Credit UnionCranston Municipal Employees Credit Union1615 Pontiac Ave, Cranston, RI 02920A+5.0 ★Texas Ratio: 0.59% MyLife Tiered Savings at 3.50% APY, Westerly Community Credit UnionWesterly Community Credit Union122 Granite St, Westerly, RI 02891A+5.0 ★Texas Ratio: 1.26% #Goals Savings Account at 3.00% APY, and Washington Trust Company, of WesterlyWashington Trust Company, of Westerly156 Westminster St, Providence, RI 02903A5.0 ★Texas Ratio: 7.68% High-Rate Savings Account at 3.00% APY. Savings rates as of March 24, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Harmony, Rhode Island, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Harmony, Rhode Island (RI) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Harmony, Rhode Island and the surrounding area. Last Updated and Verified: March 24, 2026
Compare the Best Savings Rates in Harmony, Rhode Island & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Bank5 Connect
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
590 Metacom Ave, Bristol, RI 02809
Jumbo Savings
3.75%
$25,000
▼
Rate3.69%
Min Deposit$25,000
Min Balance—
UpdatedMar 17, 2026
Details
Shoreham Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
1 Shoreham Way, Warwick, RI 02886
Soaring Savings
3.60%
$0
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Cranston Municipal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.59%
1615 Pontiac Ave, Cranston, RI 02920
MyLife Tiered Savings
3.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Qualifying balance up to $1,000.00
Westerly Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
122 Granite St, Westerly, RI 02891
#Goals Savings Account
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
156 Westminster St, Providence, RI 02903
High-Rate Savings Account
3.00%
$0
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Westerly Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
122 Granite St, Westerly, RI 02891
Diamond Savings Account
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
156 Westminster St, Providence, RI 02903
High-Rate Savings Account
2.90%
$0
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Centreville Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
1218 Main St, West Warwick, RI 02893
High Yield Savings Account (New Money)
2.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Centreville Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
1218 Main St, West Warwick, RI 02893
High Yield Savings Account
2.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Qualifying balance up to $100,000.00
Greenwood Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
2669 Post Rd, Warwick, RI 02886 3039
Money Market Savings
2.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details
Centreville Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
1218 Main St, West Warwick, RI 02893
High Yield Savings Account (New Money)
2.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Centreville Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
1218 Main St, West Warwick, RI 02893
High Yield Savings Account (New Money)
2.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
156 Westminster St, Providence, RI 02903
High-Rate Savings Account
1.85%
$0
▼
Rate1.83%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Greenwood Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
2669 Post Rd, Warwick, RI 02886 3039
Money Market Savings
1.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details
Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
156 Westminster St, Providence, RI 02903
High-Rate Savings Account
1.75%
$0
▼
Rate1.73%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
BankNewport
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
184 John Clarke Rd, Middletown, RI 02842
Business Select Plus Money Market Savings
1.75%
$2,500
▼
Rate0.00%
Min Deposit$2,500
Min Balance—
UpdatedMar 17, 2026
Details
Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
156 Westminster St, Providence, RI 02903
High-Rate Savings Account
1.60%
$0
▼
Rate1.58%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Bank5 Connect
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
590 Metacom Ave, Bristol, RI 02809
Connect Savings
1.50%
$10
▼
Rate1.49%
Min Deposit$10
Min Balance—
UpdatedMar 17, 2026
Details
Milford Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
2020 Diamond Hill Rd, Woonsocket, RI 02895
EZ Choice Savings
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
$2,500 minimum balance to waive $10 monthly fee. Must have an active EZ Interest Checking Account.
Rhode Island Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
160 Francis St, Providence, RI 02903 1118
Money Market Savings Account
1.26%
$0
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Westerly Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
122 Granite St, Westerly, RI 02891
Diamond Savings Account
1.25%
$0
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Greenwood Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
2669 Post Rd, Warwick, RI 02886 3039
Money Market Savings
1.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details
Rhode Island Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
160 Francis St, Providence, RI 02903 1118
Money Market Savings Account
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Rhode Island Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
160 Francis St, Providence, RI 02903 1118
Money Market Savings Account
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Greenwood Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
2669 Post Rd, Warwick, RI 02886 3039
Money Market Savings
0.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details
Milford Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
2020 Diamond Hill Rd, Woonsocket, RI 02895
EZ Choice Savings
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
$2,500 minimum balance to waive $10 monthly fee. Must have an active EZ Interest Checking Account.
BankNewport
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
184 John Clarke Rd, Middletown, RI 02842
Business Select Plus Money Market Savings
0.50%
$2,500
▼
Rate0.00%
Min Deposit$2,500
Min Balance—
UpdatedMar 17, 2026
Details
Westerly Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
122 Granite St, Westerly, RI 02891
IRA Savings Account
0.45%
$0
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Westerly Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
122 Granite St, Westerly, RI 02891
IRA Savings Account
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Greenwood Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
2669 Post Rd, Warwick, RI 02886 3039
Day to Day IRA Savings
0.35%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details
Greenwood Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
2669 Post Rd, Warwick, RI 02886 3039
Share 1 Savings
0.30%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details
Greenwood Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
2669 Post Rd, Warwick, RI 02886 3039
Deposit Savings
0.30%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details
Greenwood Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
2669 Post Rd, Warwick, RI 02886 3039
Business Share 1 Savings
0.30%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 23, 2026
Details
Westerly Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
122 Granite St, Westerly, RI 02891
IRA Savings Account
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Shoreham Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
1 Shoreham Way, Warwick, RI 02886
Statement Savings Tier 3
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Rhode Island Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
160 Francis St, Providence, RI 02903 1118
IRA Share Account
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Shoreham Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
1 Shoreham Way, Warwick, RI 02886
Statement Savings Tier 2
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
BankNewport
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
184 John Clarke Rd, Middletown, RI 02842
Business Money Market Savings
0.20%
$2,500
▼
Rate0.00%
Min Deposit$2,500
Min Balance—
UpdatedMar 17, 2026
Details
BankNewport
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
184 John Clarke Rd, Middletown, RI 02842
Business Select Plus Money Market Savings
0.20%
$2,500
▼
Rate0.00%
Min Deposit$2,500
Min Balance—
UpdatedMar 17, 2026
Details
BankNewport
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
184 John Clarke Rd, Middletown, RI 02842
Money Market Savings
0.20%
$2,500
▼
Rate0.00%
Min Deposit$2,500
Min Balance—
UpdatedMar 17, 2026
Details
Rhode Island Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
160 Francis St, Providence, RI 02903 1118
Health Savings Account
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Ocean State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
2006 Nooseneck Hill Rd, Coventry, RI 02816
CU Succeed Share
0.15%
$10
▼
Rate0.15%
Min Deposit$10
Min Balance—
UpdatedMar 20, 2026
Details
Ocean State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
2006 Nooseneck Hill Rd, Coventry, RI 02816
Business Banking Statement Savings
0.15%
$5
▼
Rate0.15%
Min Deposit$5
Min Balance—
UpdatedMar 20, 2026
Details
Ocean State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
2006 Nooseneck Hill Rd, Coventry, RI 02816
Kirby Kangaroo Share Account
0.15%
$10
▼
Rate0.15%
Min Deposit$10
Min Balance—
UpdatedMar 20, 2026
Details
Ocean State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
2006 Nooseneck Hill Rd, Coventry, RI 02816
Share Account
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Ocean State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
2006 Nooseneck Hill Rd, Coventry, RI 02816
Statement Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Ocean State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
2006 Nooseneck Hill Rd, Coventry, RI 02816
Traditional Share
0.15%
$5
▼
Rate0.15%
Min Deposit$5
Min Balance—
UpdatedMar 20, 2026
Details
Westerly Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
122 Granite St, Westerly, RI 02891
Rewards Savings Account
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
540 Broadway, Pawtucket, RI 02860 1227
Business High Yield Savings
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Centreville Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
1218 Main St, West Warwick, RI 02893
Business Elite Savings
0.15%
$2,500
▼
Rate0.15%
Min Deposit$2,500
Min Balance—
UpdatedMar 18, 2026
Details
Ocean State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
2006 Nooseneck Hill Rd, Coventry, RI 02816
Business Banking Share Account
0.15%
$10
▼
Rate0.15%
Min Deposit$10
Min Balance—
UpdatedMar 20, 2026
Details
BankNewport
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
184 John Clarke Rd, Middletown, RI 02842
Business Money Market Savings
0.15%
$2,500
▼
Rate0.00%
Min Deposit$2,500
Min Balance—
UpdatedMar 17, 2026
Details
Shoreham Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
1 Shoreham Way, Warwick, RI 02886
Statement Savings Tier 1
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
BankNewport
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
184 John Clarke Rd, Middletown, RI 02842
Money Market Savings
0.15%
$2,500
▼
Rate0.00%
Min Deposit$2,500
Min Balance—
UpdatedMar 17, 2026
Details
BankNewport
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
184 John Clarke Rd, Middletown, RI 02842
Business Select Plus Money Market Savings
0.15%
$2,500
▼
Rate0.00%
Min Deposit$2,500
Min Balance—
UpdatedMar 17, 2026
Details
BayCoast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
1 Crandall Rd, Tiverton, RI 02878
IRA Statement Savings
0.10%
$10
▼
Rate0.10%
Min Deposit$10
Min Balance—
UpdatedMar 18, 2026
Details
Centreville Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
1218 Main St, West Warwick, RI 02893
Personal Plus Savings Account
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Centreville Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
1218 Main St, West Warwick, RI 02893
Business Elite Savings
0.10%
$2,500
▼
Rate0.10%
Min Deposit$2,500
Min Balance—
UpdatedMar 18, 2026
Details
Dime Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.01%
131 Franklin St, Westerly, RI 02891
Health Savings Account (HSA)
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details
Blackstone River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
10 Monument Sq, Woonsocket, RI 02895
Share Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Minimum balance of $5.00 required
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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.
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.
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.
Harmony, RI Savings Rate Trends
Compare local Harmony, RI savings rate quotes against the statewide average
Weekly savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
High-Yield Savings — RI Avg
0.887%
▼ 0.562 from last week
Rhode Island high-yield savings rates fell 0.562 points this week to 0.887% APY, down from 1.449% last week.
Standard Savings — RI Avg
1.049%
▲ 1.026 from last week
Rhode Island standard savings rates rose 1.026 points this week to 1.049% APY, up from 0.023% last week.
As of Mar 24, 2026 •
Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Harmony, 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 Harmony, 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 Harmony, Rhode Island
What is a High-Yield Savings Account (HYSA)?
A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in Rhode Island, help your money grow faster through a higher APY.
Are savings accounts in Harmony, Rhode Island safe?
Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in Rhode Island up to $250,000 per depositor, per institution.
How often do savings rates change in Harmony, Rhode Island?
Savings rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Rhode Island rate tables daily to ensure you see the most current high-yield options.
Do I need a minimum deposit to open a savings account?
It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in Harmony, Rhode Island may require $25–$100 to open an account.
What is the difference between a Savings Account and a Money Market Account?
Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.
Are online banks better than local banks in Harmony, Rhode Island?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Harmony, Rhode Island offer in-person customer service, which some customers prefer.
How do I open a savings account in Harmony, Rhode Island?
You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.
Best Savings Rates in Harmony, Rhode Island
Here are recent savings rates observed in Harmony, Rhode Island and the surrounding area:
- Bank5 Connect
Jumbo Savings — 3.75% APY - Shoreham Bank
Soaring Savings — 3.60% APY - Cranston Municipal Employees Credit Union
MyLife Tiered Savings — 3.50% APY - Westerly Community Credit Union
#Goals Savings Account — 3.00% APY - Washington Trust Company, of Westerly
High-Rate Savings Account — 3.00% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Harmony, Rhode Island. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 24, 2026
