Bank · FDIC insured
BayCoast Bank CD Rates
BayCoast Bank’s best CD rate is 3.55% APY on a 15-month CD. Terms run from 6 months to 4 years. Rates checked October 15, 2026.
How BayCoast Bank’s CD rates compare
Compared with banks and credit unions near Providence, RI-MA, where BayCoast Bank has the most branches. $10,000, best rate first.
This bank’s best
BayCoast Bank
3.55%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $446
Certificates of Deposit
Top rate
Rhode Island Credit Union
4.80%APY
- Term
- 8 months
- Minimum
- $500
- Earns on $10,000
- $317
2nd-highest rate
Arise Financial
4.75%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,494
BayCoast Bank CD score
64
CD score
Higher than 11% of U.S. banks and credit unions
- 3–8 months3–8 mo0.20%
- 9–15 months9–15 mo3.55%
- 16–30 months16–30 mo0.40%
- 31–60 months31–60 mo0.70%
- QualifiedQualified3.55%
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.
Where BayCoast Bank 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.
Certificates of Deposit
Up to 3.55%APY · 6 terms
Fixed interest rate. 6 to 60 months terms available. Early withdrawal penalty may be imposed. Annual statement. Terms, interest rates, and APYs are for statement-based CDs only.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6–11 months6 Months – Less than 1 Year Statement CD | 0.20% | $10 |
| 12–23 months12-23 Month Statement CD | 0.35% | $35 |
| 15 months15 Month Statement CD Special. This offer may be withdrawn at any time. Preferred Checking Account preferential CD rate benefit does not apply to this offer | 3.55% | $446 |
| 24–35 months24-35 Month Statement CD | 0.40% | $80 |
| 36–47 months3 – Less than 4 Year Statement CD | 0.50% | $151 |
| 48–60 months4 – 5 Year Statement CD | 0.70% | $283 |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
IRA Certificate of Deposit (CD)
Up to 3.55%APY · 6 terms
Fixed interest rate. Terms, interest rates, and APYs are for statement-based CDs only. Early withdrawal penalty may be imposed.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6–11 months6 Months – Less than 1 Year Statement IRA CD | 0.20% | $10 |
| 12–23 months12-23 Month Statement IRA CD | 0.35% | $35 |
| 15 months15 Month Statement IRA CD Special. This offer may be withdrawn at any time. Preferred Checking Account preferential CD rate benefit does not apply to this offer | 3.55% | $446 |
| 24–35 months24-35 Month Statement IRA CD | 0.40% | $80 |
| 36–47 months3 – Less than 4 Year Statement IRA CD | 0.50% | $151 |
| 48–60 months4 – 5 Year Statement IRA CD | 0.70% | $283 |
Sources (1)
- baycoast.bank/en/rates/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.