Credit union · NCUA insured
Ocean State Credit Union CD Rates
Top CarrotOcean State Credit Union’s best CD rate is 3.50% APY on a 1-year share certificate (CD). Terms run from 1 year to 5 years. Rates checked October 22, 2026.
How Ocean State Credit Union’s CD rates compare
Compared with banks and credit unions near Providence, RI-MA, where Ocean State Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Ocean State Credit Union
3.50%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $350
Certificate of Deposit (CD)
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
Ocean State Credit Union CD score
73
CD score
Higher than 34% of U.S. banks and credit unions
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.15%
- QualifiedQualified3.50%
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 Ocean State Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit (CD)
Up to 3.50%APY · 6 terms
All Certificates are subject to penalties for early withdrawals or close-outs. All Certificates will renew as a new CD of the same type unless otherwise stated.
| Term | APY · $1,000 and up | APY · $5,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 monthsInterest Paid Quarterly. Early Withdrawal Penalty of 3 Months Interest | 3.50% | — | 3.50% | $350 |
| 18 monthsInterest Paid Quarterly. Early Withdrawal Penalty of 3 Months Interest | 3.50% | — | 3.50% | $530 |
| 24 monthsInterest Paid Quarterly. Early Withdrawal Penalty of 3 Months Interest | 3.25% | — | 3.25% | $661 |
| 36 monthsInterest Paid Quarterly. Early Withdrawal Penalty of 3 Months Interest | 3.15% | — | 3.15% | $975 |
| 48 monthsInterest Paid Monthly. Early Withdrawal Penalty of 6 Months Interest | — | 2.50% | 2.50% | $1,038 |
| 60 monthsInterest Paid Monthly. Early Withdrawal Penalty of 6 Months Interest | — | 2.50% | 2.50% | $1,314 |
Sources (1)
- oceanstatecu.org/invest/certificate-of-deposit-accounts · captured Sep 16, 2026
Special-purpose accounts
IRA Certificate of Deposit (CD)
Up to 3.50%APY · 5 terms
Withdraw your Required Minimum Distribution each year without penalty from age 73. All Certificates are subject to penalties for early withdrawals or close-outs. All Certificates will renew as a new CD of the same type unless otherwise stated.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsInterest Paid Quarterly | 3.50% | $350 |
| 18 monthsInterest Paid Quarterly | 3.50% | $530 |
| 24 monthsInterest Paid Quarterly | 3.25% | $661 |
| 36 monthsInterest Paid Quarterly | 3.15% | $975 |
| 60 monthsInterest Paid Quarterly | 2.50% | $1,314 |
Sources (1)
- oceanstatecu.org/invest/individual-retirement-accounts · captured Sep 16, 2026
Who can join Ocean State Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.