Bank · FDIC insured
Washington Trust Bank CD Rates
Washington Trust Bank’s best CD rate is 3.98% APY on a 15-month CD. Terms run from 1 month to 5 years. Rates checked October 22, 2026.
How Washington Trust Bank’s CD rates compare
Compared with banks and credit unions near Spokane, WA, where Washington Trust Bank has the most branches. $10,000, best rate first.
This bank’s best
Washington Trust Bank
3.98%APY
- Term
- 15 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $500
Fixed-Rate CD
Top rate
Ironworkers USA Credit Union
4.75%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $973
2nd-highest rate
Horizon Credit Union
4.70%APY
- Term
- 15 months
- Requires
- Another account
- Minimum
- —
- Earns on $10,000
- $591
Washington Trust Bank CD score
71
CD score
Higher than 29% of U.S. banks and credit unions
- 3–8 months3–8 mo2.53%
- 9–15 months9–15 mo3.98%
- 16–30 months16–30 mo2.28%
- 31–60 months31–60 mo1.51%
- QualifiedQualified3.98%
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 Washington Trust 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.
Fixed-Rate CD
Up to 3.98%APY · 10 terms
Interest rates valid for opening accounts online. Rate fixed for full term. Compounds daily. Additional deposits allowed only at renewal. Withdrawals of principal prior to maturity incur a penalty unless withdrawn during the certificate grace period. Fees could reduce earnings. Rates may change at any time without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsValid for opening accounts online | 2.43% | $60 |
| 6 monthsValid for opening accounts online | 2.53% | $126 |
| 9 monthsValid for opening accounts online | 3.30% | $246 |
| 12 monthsValid for opening accounts online | 3.56% | $356 |
| 15 monthsValid for opening accounts online | 3.98% | $500 |
| 18 monthsValid for opening accounts online | 2.28% | $344 |
| 24 monthsValid for opening accounts online | 2.02% | $408 |
| 36 monthsValid for opening accounts online | 1.51% | $460 |
| 48 monthsValid for opening accounts online | 1.41% | $576 |
| 60 monthsValid for opening accounts online | 1.31% | $672 |
Jumbo Fixed-Rate CD
Up to 3.56%APY · 11 terms
Interest rates valid for opening accounts online. Rate fixed for full term. Compounds daily. Additional deposits allowed only at renewal. Withdrawals of principal prior to maturity will incur a penalty unless withdrawn during the certificate grace period. Fees could reduce earnings. Rates may change at any time without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 0 months7-day term. Valid for opening accounts online | 0.17% | $0 |
| 1 month30-day term. Valid for opening accounts online | 0.50% | $4 |
| 2 months60-day term. Valid for opening accounts online | 0.50% | $8 |
| 3 monthsValid for opening accounts online | 2.43% | $60 |
| 6 monthsValid for opening accounts online | 2.53% | $126 |
| 9 monthsValid for opening accounts online | 3.30% | $246 |
| 12 monthsValid for opening accounts online | 3.56% | $356 |
| 24 monthsValid for opening accounts online | 2.02% | $408 |
| 36 monthsValid for opening accounts online | 1.51% | $460 |
| 48 monthsValid for opening accounts online | 1.41% | $576 |
| 60 monthsValid for opening accounts online | 1.31% | $672 |
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.