Best CD rates in Westerly, RI

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.

Requirements

Product: Fees may reduce earnings. Minimum balance is $0.01 to earn interest. Penalty may be imposed for early withdrawal of principal. Quoted rates are subject to change without notice. All products with asterisks require consumer customers to have a Dime Bank consumer checking account.

Offer: At maturity, will be automatically renewed into a 1 Year CD. New funds not currently on deposit with Dime Bank only. Consumer customers must have a Dime Checking Account with a balance of at least $2,000.00 at time of account opening.

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.

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.

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.

Requirements

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.

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.

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.

Requirements

Product: Not available for Retirement Funds. Fees may reduce earnings. Minimum balance is $0.01 to earn interest. At maturity, will be automatically renewed into a 1 Year CD. Penalty may be imposed for early withdrawal of principal. All quoted rates are subject to change without notice. Consumer customers must have a Dime Bank consumer checking account. Commercial customers must have a Dime Bank business checking account. Maximum deposit is $250,000.00. During the initial term, you may make the following transactions on your account before maturity: Two (2) deposits not to exceed a total deposit balance of $250,000.00 and/or Two (2) penalty free withdrawals of principal, one of which may be used to bring the account balance to zero and close the account. In the event you make a withdrawal from your account, the withdrawal cannot be made until the seventh day after any deposit or partial withdrawal.

Offer: Not available for Retirement Funds. Maximum deposit is $250,000.00. During initial term, allowed two deposits (up to $250,000 max total balance) and/or two penalty-free principal withdrawals (subject to 7-day waiting period after any deposit or partial withdrawal). Renewed into a 1 Year CD at maturity. Consumer customers must have a Dime Bank consumer checking account. Commercial customers must have a Dime Bank business checking account.

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.

Requirements

Product: Minimum deposit and balance required. Withdrawal penalty applies.

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.

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.

Requirements

Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.

Offer: Requires linked qualifying Chase checking account.

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.