Compare Bank & Credit Union Rates
Best CD rates in Wakefield, RI
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Wakefield, RI
- 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 - 4.00%APY$198 over 6 months on $10,000
Requirements
Product: Early withdrawal penalties apply. Fees could reduce earnings. APY assumes principal and interest remain on deposit for the term of the certificate.
Effective Oct 14, 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 - Westerly Community Credit Union14 Month CD SpecialCD · 14 months · $10,000 min
Credit union · 1 branch
3.65%APY$427 over 14 months on $10,000intro rateRequirements
Product: Limited time offer. Rate shown requires new money only (monies transferred from another financial institution). Existing WCCU members are eligible when an additional $10,000 in new money is added to their WCCU funds. Interest will be deposited into a WCCU account only.
Offer: Limited time offer for new money only. Existing members require $10,000 in new money. Penalty will be imposed for early withdrawal. Interest deposited into WCCU account only.
Promotional rate · 3.59% interest rate · Effective Oct 15, 2026
Rate checked
More details - 3.55%APY$176 over 6 months on $10,000with conditions
Requirements
Product: 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.
Offer: Must 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.
Qualified rate · Effective Apr 1, 2026
Rate checked
More details - 3.50%APY$261 over 9 months on $10,000with conditions
Requirements
Product: 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.
Offer: 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.
Qualified rate · Effective Feb 13, 2026
Rate checked
More details - 3.35%APY$363 over 13 months on $10,000with conditions
Requirements
Product: 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.
Offer: Fixed 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.
Qualified rate · Balance cap $5,000,000 · Effective Apr 29, 2026
Rate checked
More details - Westerly Community Credit UnionCertificates of DepositCD · 18 months · $500 min
Credit union · 1 branch
3.35%APY$507 over 18 months on $10,000Requirements
Product: Minimum deposit and balance required. Withdrawal penalty applies.
3.30% interest rate · Effective Oct 15, 2026
Rate checked
More details - 3.30%APY$164 over 6 months on $10,000
Requirements
Product: 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.
3.25% interest rate · Effective Jul 13, 2026
Rate checked
More details - 3.30%APY$164 over 6 months on $10,000with conditions
Requirements
Product: Rates current as of 9/18/2026. Must be OWNER on a Beacon Bank checking account. Balance cannot exceed $1,000,000. APY is variable and subject to change. Early withdrawal penalty may apply.
Offer: Promotional rate valid for 6-month term. Must be an OWNER on a Beacon Bank checking account. Cannot make additional deposits before maturity.
Qualified rate · Balance cap $1,000,000 · Effective Sep 18, 2026
Rate checked
More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - 3.15%APY$315 over 1 year on $10,000
Requirements
Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.
3.11% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Flexible CD Balance APY Up to $9,999 3.15% $10,000 – $99,999Your amount 3.15% $100,000 – $999,999 3.65% $1,000,000 and up 3.65% 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 Wakefield, RI
146 CDs at 8 banks and credit unions · checked Oct 16–22
- Typical
- 2.00%
- Top 10% from
- 3.75%
- Banks, typical
- 0.05%
- Credit unions, typical
- 2.85%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
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