Compare Bank & Credit Union Rates
Best CD rates in Rhode Island
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 46–60 results in Rhode Island
- 3.00%APY$149 over 6 months on $10,000intro rate
Requirements
Product: Promotional offer may be withdrawn at any time. Must be opened with new funds (funds from an existing BankFive account will not be accepted). Up to $1,000,000 per account may be deposited for promotional rate. Can be opened in-branch or online. Early withdrawal penalty equals 90 days interest on principal amount withdrawn.
Offer: Must be opened with new money (funds from an existing BankFive account will not be accepted). Up to $1,000,000 maximum deposit for promotional rate.
Promotional rate · 2.96% interest rate · Balance cap $1,000,000 · Effective Oct 15, 2026
Rate checked
More details - 3.00%APY$609 over 24 months on $10,000
Requirements
Product: Early withdrawal penalty equals 180 days interest on principal amount withdrawn.
2.96% interest rate · Effective Oct 15, 2026
Rate checked
More details - Westerly Community Credit Union8 Month CD SpecialCD · 8 months · $500 min · 2.95%–3.45% by balance
Credit union · 5 branches
2.95%APY$196 over 8 months on $10,000intro rateRequirements
Product: Limited time offer.
Offer: A penalty will be imposed for early withdrawal.
Promotional rate · 2.91% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for 8 Month CD Special Balance APY $500 – $25,000Your amount 2.95% $25,000 – $50,000 3.10% $50,000 – $100,000 3.30% $100,000 and up 3.45% Rate checked
More details - Cumberland Municipal Employees Federal Credit UnionCD Rate - 6 MonthCD · 6 months · $1,000 min
Credit union · 1 branch
2.94%APY$146 over 6 months on $10,000Requirements
Product: Rates subject to change without notice. Please contact CMEFCU for complete terms. Certain Restrictions Apply.
2.90% interest rate · Balance cap $500,000
Rate checked
More details - Cumberland Municipal Employees Federal Credit UnionCD Rate - 12 MonthCD · 12 months · $1,000 min
Credit union · 1 branch
2.89%APY$289 over 1 year on $10,000Requirements
Product: Rates subject to change without notice. Please contact CMEFCU for complete terms. Certain Restrictions Apply.
2.85% interest rate · Balance cap $500,000
Rate checked
More details - Westerly Community Credit Union11 Month CD SpecialCD · 11 months · $500 min · 2.85%–3.35% by balance
Credit union · 5 branches
2.85%APY$261 over 11 months on $10,000intro rateRequirements
Product: Limited time offer.
Offer: Minimum daily balance to earn APY is $500 to $24,999.99. A penalty will be imposed for early withdrawal.
Promotional rate · 2.81% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for 11 Month CD Special Balance APY $500 – $25,000Your amount 2.85% $25,000 – $50,000 3.00% $50,000 – $100,000 3.20% $100,000 and up 3.35% Rate checked
More details - Westerly Community Credit UnionPremier 3 Month CD SpecialCD · 3 months · $500 min · 2.50%–3.00% by balance
Credit union · 5 branches
2.50%APY$62 over 3 months on $10,000with conditionsRequirements
Product: Features 1 penalty-free withdrawal and unlimited deposits. Requires a WCCU Checking Account at opening to receive the premier rate. If the checking requirement is not met, the traditional 3 month certificate of deposit interest rate, as listed on the website at the time of default, will be applied for the duration of the term. One penalty free withdrawal allowed during CD term, unless the withdrawal occurs within 6 days of initial deposit or within 6 days of a previous withdrawal.
Offer: Requires WCCU Checking Account at opening; minimum daily balance to earn APY is $500 to $24,999.99.
Qualified rate · 2.47% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for Premier 3 Month CD Special Balance APY $500 – $25,000Your amount 2.50% $25,000 – $50,000 2.65% $50,000 – $100,000 2.85% $100,000 and up 3.00% Rate checked
More details - 2.50%APY$124 over 6 months on $10,000
Requirements
Product: Automatically renewable account at maturity. Early withdrawal penalty equals 30 days interest on the principal amount withdrawn.
2.47% interest rate · Effective Oct 15, 2026
Rate checked
More details - 2.02%APY$50 over 3 months on $10,000
Requirements
Product: Personal accounts only. A penalty may be imposed for early withdrawal. Certificate of Deposit will be renewed automatically at maturity unless instructed otherwise.
Offer: Simple compounding.
2.00% interest rate · Effective Oct 2, 2026
Rate checked
More details - 2.02%APY$618 over 36 months on $10,000
Requirements
Product: Allows deposits at any time with a minimum of $25. No penalties for early withdrawal with receipt showing educational expense. Deposits accepted from residents of MA, RI, and Windham County CT only.
Offer: Deposits of minimum $25 allowed at any time. No penalty for early withdrawal with receipt showing educational expense.
2.00% interest rate · Effective Oct 15, 2026
Rate checked
More details - 1.00%APY$100 over 1 year on $10,000
Requirements
Product: Early withdrawal penalty equals 90 days interest on principal amount withdrawn.
1.00% interest rate · Effective Oct 15, 2026
Rate checked
More details - 0.90%APY$365 over 48 months on $10,000
Requirements
Product: Early withdrawal penalty equals 180 days interest on principal amount withdrawn.
0.90% interest rate · Effective Oct 15, 2026
Rate checked
More details - 0.75%APY$227 over 36 months on $10,000
Requirements
Product: Early withdrawal penalty equals 180 days interest on principal amount withdrawn.
0.75% interest rate · Effective Oct 15, 2026
Rate checked
More details - 0.65%APY$329 over 60 months on $10,000
Requirements
Product: Early withdrawal penalty equals 180 days interest on principal amount withdrawn.
0.65% interest rate · Effective Oct 15, 2026
Rate checked
More details - 0.49%APY$247 over 60 months on $10,000
Requirements
Product: Early withdrawal penalty may apply.
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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What CDs pay in Rhode Island
344 CDs at 26 banks and credit unions · checked Oct 15–22
- Typical
- 2.75%
- Top 10% from
- 4.00%
- Banks, typical
- 2.25%
- Credit unions, typical
- 3.25%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Rhode Island
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Shoreham BankBank · 3 branches
- Coastal1 Credit UnionCredit union · 18 branches
- Ocean State Credit UnionCredit union · 6 branches