Compare Bank & Credit Union Rates
Best CD rates in Providence, RI
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Providence, RI
- 4.80%APY$317 over 8 months on $10,000
Requirements
Product: Minimum opening deposit of $500 required. Terms ranging from 3 months to 42 months. Early withdrawal penalty may apply.
Offer: Assumes interest remains on deposit until maturity. Early withdrawal penalty may apply.
4.76% interest rate · Effective Oct 8, 2026
Rate checked
More details - 4.50%APY$683 over 18 months on $10,000with conditions
Requirements
Offer: All funds must be new money (funds on deposit with BankNewport for less than 30 days). A penalty will be imposed for early withdrawal during the term. A BankNewport personal checking account is required for CD specials. Offer may be withdrawn at any time.
Qualified rate · Effective Oct 2, 2026
Rate checked
More details - 4.30%APY$652 over 18 months on $10,000intro rate
Requirements
Product: Personal accounts only. Early withdrawal penalty may apply. Automatically renews at standard Personal Account CD rates at maturity unless instructed otherwise.
Offer: Monthly interest compounding. Minimum opening deposit $2,500.
Promotional rate · 4.22% interest rate · Effective Oct 2, 2026
Rate checked
More details - 4.25%APY$246 over 7 months on $10,000with conditions
Requirements
Product: All funds deposited must be New Money (funds not on deposit with Centreville Bank within the last 30 days). Early withdrawal penalty may apply.
Offer: Premium APY requires maintaining a Personal Premium Checking or Personal Premium Money Market account.
Qualified rate
Rate checked
More details - 4.25%APY$317 over 9 months on $10,000
Requirements
Product: Available in-branch. Penalty for early withdrawal. Fees could reduce earnings. $1,000 minimum daily balance required during each monthly cycle period to earn interest/APY.
Offer: At maturity, automatically renews for a 1-year term with a 10 calendar days grace period.
4.16% interest rate · Effective Aug 31, 2026
Rate checked
More details - 4.25%APY$389 over 11 months on $10,000
Requirements
Product: A $500 minimum opening deposit is required to earn the advertised APY. Penalty may be imposed for early withdrawal. Fees may reduce earnings.
4.17% interest rate · Effective Oct 14, 2026
Rate checked
More details - 4.25%APY$461 over 13 months on $10,000
Requirements
Product: Minimum deposit to open $1,000. Interest credited monthly. Early withdrawal penalties apply.
Offer: All funds deposited must be New Money (funds not on deposit with Coastal1 Credit Union). Up to 2 additional deposits during term. Each additional deposit must be a minimum of $10,000 in NEW Money (funds not currently on deposit with Coastal1).
Rate checked
More details - Centreville Bank15-Month CD Special ($10,000 New Money)CD · 15 months · $10,000 min
Bank · 2 branches
4.25%APY$534 over 15 months on $10,000with conditionsRequirements
Product: $10,000 in New Money required to open the account (funds not on deposit with Centreville Bank within the last 30 days). Early withdrawal penalty may apply.
Offer: Premium APY requires maintaining a Personal Premium Checking or Personal Premium Money Market account.
Qualified rate
Rate checked
More details - Bristol County Savings BankPRIME TIME™ Certificate of DepositCD · 18 months · $1,000 min
Bank · 1 branch
4.25%APY$644 over 18 months on $10,000with conditionsRequirements
Product: Must maintain a Prime Time Checking account to be eligible for product. An early withdrawal penalty may be imposed. Fees could reduce earnings.
Offer: Must maintain a Prime Time Checking account.
Qualified rate · 4.16% interest rate · Effective Oct 13, 2026
Rate checked
More details - 4.25%APY$644 over 18 months on $10,000with conditions
Requirements
Product: To be eligible for a Premium Gold CD, you must have at the time of account opening a BN Premium Checking Account.
Offer: To be eligible for a Premium Gold CD, you must have at the time of account opening a BN Premium Checking Account. A penalty will be imposed for early withdrawal during the term of the CD.
Qualified rate · Effective Oct 2, 2026
Rate checked
More details - 4.25%APY$644 over 18 months on $10,000
Requirements
Offer: A penalty will be imposed for early withdrawal during the term of the CD.
Effective Oct 2, 2026
Rate checked
More details - 4.00%APY$231 over 7 months on $10,000with conditions
Requirements
Product: 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.
Offer: New 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.
Qualified rate · Balance cap $5,000,000 · Effective Jul 14, 2026
Rate checked
More details - 4.00%APYwith conditions
Requirements
Product: 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.
Offer: Choose 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.
Qualified rate · Balance cap $5,000,000 · Effective Aug 26, 2026
Rate checked
More details - 3.75%APY$217 over 7 months on $10,000
Requirements
Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.
3.69% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Featured CD Balance APY Up to $9,999 3.75% $10,000 – $99,999Your amount 3.75% $100,000 – $999,999 4.11% $1,000,000 and up 4.11% Rate checked
More details - 3.75%APY$568 over 18 months on $10,000
Requirements
Product: An early withdrawal penalty may be imposed. Fees could reduce earnings.
3.68% interest rate · Effective Oct 13, 2026
Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What CDs pay in Providence, RI
220 CDs at 14 banks and credit unions · checked Oct 5–22
- Typical
- 2.50%
- Top 10% from
- 4.00%
- Banks, typical
- 2.00%
- Credit unions, typical
- 2.85%
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Providence, RI-MA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Shoreham BankBank · 3 branches
- Coastal1 Credit UnionCredit union · 19 branches
- Ocean State Credit UnionCredit union · 6 branches