BankFive CD Rates · October 2026

How BankFive’s CD rates compare

Compared with banks and credit unions near Providence, RI-MA, where BankFive has the most branches. $10,000, best rate first.

This bank’s best
BankFive
4.30%APY
Term
15 months
Minimum
$500
Earns on $10,000
$540
15 Month CD
Top rate
Rhode Island Credit Union
4.80%APY
Term
8 months
Minimum
$500
Earns on $10,000
$317
Rhode Island Credit Union rates
2nd-highest rate
Arise Financial
4.75%APY
Term
36 months
Minimum
$500
Earns on $10,000
$1,494
Arise Financial rates

Compare CD rates near you →

CD score

Higher than 57% of U.S. banks and credit unions

By term

3–8 months3–8 mo3.00%
9–15 months9–15 mo4.30%
16–30 months16–30 mo3.25%
31–60 months31–60 mo0.90%
QualifiedQualified4.30%

Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.

How the score works →

Where BankFive ranks

By CD score, in each area where it has branches

Every rate

Current CD rates

Rates from the bank’s website. Earnings assume the rate doesn’t change.

15 Month CD

4.30%APY · 1 termFrom $500 to open

Early withdrawal penalty equals 180 days interest on principal amount withdrawn.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
15 months	4.30%	$540

Sources (2)

All captured Oct 15, 2026

11 Month CD

3.75%APY · 1 termFrom $500 to open

Early withdrawal penalty equals 90 days interest on principal amount withdrawn.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
11 months	3.75%	$343

Sources (2)

All captured Oct 15, 2026

18 Month CD

3.25%APY · 1 termFrom $500 to open

Early withdrawal penalty equals 180 days interest on principal amount withdrawn.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
18 months	3.25%	$491

Sources (3)

All captured Oct 15, 2026

7 Month Statement CD

3.25%APY · 1 termRequirements applyFrom $500 to open

Promotional offer may be withdrawn at any time. Can be opened at branch locations, not online. Must be opened with new funds (funds from an existing BankFive account will not be accepted). Up to $1,000,000 per account may be deposited for promotional rate. A personal checking account (new or existing) must be open and have monthly direct deposit established to obtain the 7 Month Statement CD. Account will renew into a 6 Month CD at end of term.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
7 monthsA personal checking account (new or existing) must be open and have monthly direct deposit established. Must be opened with new funds. In-branch opening only	3.25%	$188

Sources (2)

All captured Oct 15, 2026

24 Month CD

3.00%APY · 1 termFrom $500 to open

Early withdrawal penalty equals 180 days interest on principal amount withdrawn.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
24 months	3.00%	$609

Sources (2)

All captured Oct 15, 2026

3 Month CD Special

3.00%APY · 1 termPromotionalFrom $5,000 to open

Promotional offer may be withdrawn at any time. Must be opened with new funds (funds from an existing BankFive account will not be accepted). Up to $1,000,000 per account may be deposited for promotional rate. Can be opened in-branch or online. Account will automatically renew into a 3 Month Statement CD at maturity. Early withdrawal penalty applies (30 days interest on principal amount withdrawn).

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
3 monthsMust be opened with new money (funds from an existing BankFive account will not be accepted). Up to $1,000,000 maximum deposit for promotional rate	3.00%	$74

Sources (2)

All captured Oct 15, 2026

6 Month CD Special

3.00%APY · 1 termPromotionalFrom $5,000 to open

Promotional offer may be withdrawn at any time. Must be opened with new funds (funds from an existing BankFive account will not be accepted). Up to $1,000,000 per account may be deposited for promotional rate. Can be opened in-branch or online. Early withdrawal penalty equals 90 days interest on principal amount withdrawn.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
6 monthsMust be opened with new money (funds from an existing BankFive account will not be accepted). Up to $1,000,000 maximum deposit for promotional rate	3.00%	$149

Sources (2)

All captured Oct 15, 2026

6 Month CD

2.50%APY · 1 termFrom $500 to open

Automatically renewable account at maturity. Early withdrawal penalty equals 30 days interest on the principal amount withdrawn.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
6 months	2.50%	$124

Sources (2)

All captured Oct 15, 2026

1 Year CD

1.00%APY · 1 termFrom $500 to open

Early withdrawal penalty equals 90 days interest on principal amount withdrawn.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
12 months	1.00%	$100

Sources (2)

All captured Oct 15, 2026

4 Year CD

0.90%APY · 1 termFrom $500 to open

Early withdrawal penalty equals 180 days interest on principal amount withdrawn.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
48 months	0.90%	$365

Sources (2)

All captured Oct 15, 2026

3 Year CD

0.75%APY · 1 termFrom $500 to open

Early withdrawal penalty equals 180 days interest on principal amount withdrawn.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
36 months	0.75%	$227

Sources (2)

All captured Oct 15, 2026

5 Year CD

0.65%APY · 1 termFrom $500 to open

Early withdrawal penalty equals 180 days interest on principal amount withdrawn.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
60 months	0.65%	$329

Sources (2)

All captured Oct 15, 2026

Special-purpose accounts

15 Month IRA CD

4.30%APY · 1 termIRAFrom $500 to open

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
15 months	4.30%	$540

Sources (1)

bankfive.com/personal/resource…s/personal-deposit-rates · captured Oct 15, 2026

1 Year IRA CD

2.75%APY · 1 termIRAFrom $500 to open

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
12 months	2.75%	$275

Sources (1)

bankfive.com/personal/resource…s/personal-deposit-rates · captured Oct 15, 2026

6 Month IRA CD

2.50%APY · 1 termIRAFrom $500 to open

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
6 months	2.50%	$124

Sources (1)

bankfive.com/personal/resource…s/personal-deposit-rates · captured Oct 15, 2026

3 Year IRA CD

0.75%APY · 1 termIRAFrom $500 to open

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
36 months	0.75%	$227

Sources (1)

bankfive.com/personal/resource…s/personal-deposit-rates · captured Oct 15, 2026

5 Year IRA CD

0.65%APY · 1 termIRAFrom $500 to open

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
60 months	0.65%	$329

Sources (1)

bankfive.com/personal/resource…s/personal-deposit-rates · captured Oct 15, 2026

30 Month IRA CD

0.45%APY · 1 termIRAFrom $500 to open

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
30 months	0.45%	$113

Sources (1)

bankfive.com/personal/resource…s/personal-deposit-rates · captured Oct 15, 2026

2 Year IRA CD

0.40%APY · 1 termIRAFrom $500 to open

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
24 months	0.40%	$80

Sources (1)

bankfive.com/personal/resource…s/personal-deposit-rates · captured Oct 15, 2026

18 Month IRA CD

0.35%APY · 1 termIRAFrom $500 to open

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
18 months	0.35%	$53

Sources (1)

bankfive.com/personal/resource…s/personal-deposit-rates · captured Oct 15, 2026

Opening an account

Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.

Visit institution website ↗Branches and institution details

← BankFive overview

How BankFive’s CD rates compare

BankFive CD score

Current CD rates

15 Month CD

11 Month CD

18 Month CD

7 Month Statement CD

24 Month CD

3 Month CD Special

6 Month CD Special

6 Month CD

1 Year CD

4 Year CD

3 Year CD

5 Year CD

Special-purpose accounts

15 Month IRA CD

1 Year IRA CD

6 Month IRA CD

3 Year IRA CD

5 Year IRA CD

30 Month IRA CD

2 Year IRA CD

18 Month IRA CD

Opening an account