Credit union · NCUA insured
Rhode Island Credit Union Savings Rates
Top CarrotRhode Island Credit Union’s best savings rate is 0.75% APY on $10,000, with its Money Market Savings Account. Rates checked October 22, 2026.
How Rhode Island Credit Union’s savings rates compare
Compared with banks and credit unions near Providence, RI-MA, where Rhode Island Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Rhode Island Credit Union
0.75%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $75
Money Market Savings Account
Top rate
St. Anne's Credit Union
4.95%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $495
2nd-highest rate
Alltrust Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $25
- Earns on $10,000 a year
- $400
Rhode Island Credit Union savings score
82
Savings score
Higher than 58% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.75%
- $100,000 balance$100,0001.26%
- QualifiedQualified0.75%
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 Rhode Island Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Savings Account
0.75%APY
Interest Rate and Annual Percentage Yield may change daily as determined by the Credit Union's Board of Directors.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $25,000 | 0.75% | $75 |
| $25,000 – $75,000 | 1.00% | — |
| $75,000 and up | 1.26% | — |
Sources (1)
- ricreditunion.org/money-market-savings-account · captured Oct 14, 2026
Capital Account
0.10%APY
Minimum opening deposit and average daily balance of $1,000 required. Withdrawals allowed at any time. No monthly service charge.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 and upMinimum average daily balance of $1,000.00 to earn stated APY.$1,000 and up | 0.10% | $10 | Minimum average daily balance of $1,000.00 to earn stated APY. |
Sources (2)
All captured Oct 15, 2026
Prime Share Account
0.05%APY
Establishes membership. Minimum balance is $5.00. Dividends compounded and paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum average daily balance of $100.00 to earn stated APY.$100 and up | 0.05% | $5 | Minimum average daily balance of $100.00 to earn stated APY. |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
Health Savings Account
0.20%APY
Must have a qualifying high deductible health plan (HDHP) and meet IRS eligibility requirements. No minimum balance. No account maintenance or transaction fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum average daily balance to earn stated APY.Any balance | 0.20% | $20 | No minimum average daily balance to earn stated APY. |
Sources (2)
All captured Oct 15, 2026
IRA Share Account
0.20%APY
Traditional and Roth IRAs available. No monthly fees. No minimum balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum average daily balance to earn stated APY.Any balance | 0.20% | $20 | No minimum average daily balance to earn stated APY. |
Christmas Club Account
0.05%APY
No minimum balance or regular deposit amount required. Funds are transferred to Checking or Savings Account on the third Friday in October. No early withdrawal penalty.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum average daily balance to earn stated APY.Any balance | 0.05% | $5 | No minimum average daily balance to earn stated APY. |
Vacation Club Account
0.05%APY
No minimum balance or regular deposit amount required. Funds can be withdrawn at any time without penalty.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum average daily balance to earn stated APY.Any balance | 0.05% | $5 | No minimum average daily balance to earn stated APY. |
Youth Account
0.05%APY
Available for children age 12 and under. An adult must be joint on the account. Original Social Security Card and Birth Certificate required for the minor. No monthly or annual fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upEarns Prime Share Account rate on average daily balance of $100 or more.$100 and up | 0.05% | $5 | Earns Prime Share Account rate on average daily balance of $100 or more. |
Sources (1)
- ricreditunion.org/youth-account · captured Oct 15, 2026
Who can join Rhode Island Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals living in Massachusetts or Connecticut.
- Membership is open to individuals and organizations living, working, or having a place of business in Rhode Island.
Membership information collected October 4, 2026.