Bank · FDIC insured
Washington Trust CD Rates
Washington Trust’s best CD rate is 3.30% APY on a 6-month CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Washington Trust’s CD rates compare
Compared with banks and credit unions near Providence, RI-MA, where Washington Trust has the most branches. $10,000, best rate first.
This bank’s best
Washington Trust
4.00%APY
- Term
- 7 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $231
7-Month Promo CD
Top rate
Rhode Island Credit Union
4.80%APY
- Term
- 8 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $317
2nd-highest rate
Arise Financial
4.75%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,494
Washington Trust CD score
69
CD score
Higher than 23% of U.S. banks and credit unions
- 3–8 months3–8 mo3.30%
- 9–15 months9–15 mo3.25%
- 16–30 months16–30 mo1.20%
- 31–60 months31–60 mo2.75%
- QualifiedQualified4.00%
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 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.
7-Month Promo CD
4.00%APY · 1 term
Available to open online, in branch, or over the phone. New money only (funds must be from sources other than Washington Trust). Washington Trust checking account required with a minimum balance of $2,500. No municipal or government funds. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 7 monthsNew money only; funds must be from sources other than Washington Trust. Washington Trust checking account required with a minimum balance of $2,500. Available to open online, in branch, or over the phone. No municipal or government funds. Early withdrawal penalties apply | 4.00% | $231 |
Sources (1)
- washtrust.com/personal/savings…ounts/promotional-offers · captured Oct 22, 2026
Choose Your Term CD
4.00%APY · 1 term
Terms from 1-2 years. Washington Trust checking account required. Open in branch or over the phone. No municipal or government funds. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12–24 monthsChoose a term from 1-2 years. Washington Trust checking account required. Open in branch or on the phone. No municipal or government funds. Early withdrawal penalties apply | 4.00% | $400 |
Sources (1)
- washtrust.com/personal/savings…ounts/promotional-offers · captured Oct 22, 2026
6-Month Relationship CD
3.55%APY · 1 term
Special offer for Washington Trust Freedom Ultra or Freedom Plus checking account customers. Open in branch or over the phone. No municipal or government funds. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsMust have a Washington Trust Freedom Ultra or Freedom Plus checking account. Open in branch or over the phone. No municipal or government funds. Early withdrawal penalties apply | 3.55% | $176 |
Sources (1)
- washtrust.com/personal/savings…ounts/promotional-offers · captured Oct 22, 2026
9-Month Relationship CD
3.50%APY · 1 term
Requires a Washington Trust Freedom Ultra or Freedom Plus checking account. Open in branch or over the phone. No municipal or government funds. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 monthsRequires a Washington Trust Freedom Ultra or Freedom Plus checking account. Open in branch or over the phone. No municipal or government funds. Early withdrawal penalties apply | 3.50% | $261 |
Sources (1)
- washtrust.com/personal/savings…ounts/promotional-offers · captured Oct 22, 2026
13-Month Add-On CD
3.35%APY · 1 term
Fixed rate with unlimited deposits. New money only to open unless Freedom Ultra checking holder. Washington Trust checking account required. No municipal/government funds or IRA. Open online, in branch, or by phone.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 monthsFixed rate with unlimited deposits before maturity (ACH, wire, ATM deposits not allowed). New money only to open; Freedom Ultra checking may use existing funds. Washington Trust checking account required. No municipal, government funds, or IRA | 3.35% | $363 |
Sources (1)
- washtrust.com/personal/savings…ounts/promotional-offers · captured Oct 22, 2026
Certificates of Deposit
Up to 3.30%APY · 9 terms
Minimum balance to earn stated APY $0.01. Minimum deposit to open account is $500.00. Early withdrawal penalties will be imposed and early withdrawals reduce APY earned. Freedom Ultra Checking and Freedom Plus Checking customers receive an extra 0.25% APY.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsTerm is 91 Days | 1.10% | $28 |
| 6 months | 3.30% | $164 |
| 9 months | 3.25% | $243 |
| 12 months | 1.10% | $110 |
| 18 months | 1.15% | $173 |
| 24 months | 1.20% | $241 |
| 36 months | 1.45% | $441 |
| 48 months | 1.65% | $677 |
| 60 months | 2.75% | $1,453 |
Sources (1)
- washtrust.com/personal/savings…ounts/promotional-offers · captured Oct 22, 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.