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 1–15 results in Rhode Island
- 4.25%APY$425 over 1 year 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.
4.18% interest rate · Effective Oct 8, 2026
Rate checked
More details - Bristol County Savings BankPRIME TIME™ Certificate of DepositCD · 12 months · $1,000 min
Bank · 4 branches
4.10%APY$410 over 1 year 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 · 4.02% interest rate · Effective Oct 13, 2026
Rate checked
More details - Navy Federal Credit UnionStandard CertificateCD · 12 months · $1,000 min · 4.05%–4.10% by balance
Credit union · 1 branch
4.05%APY$405 over 1 year on $10,000Effective Oct 22, 2026
Rate by balance
Rate by balance for Standard Certificate Balance APY $1,000 and upYour amount 4.05% $20,000 and up 4.05% $100,000 and up 4.10% Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Offer: You can add money any time until maturity. No maximum balance.
3.92% interest rate · Effective Oct 22, 2026
Rate checked
More details - 4.00%APY$400 over 1 year on $10,000intro rate
Requirements
Product: Minimum balance $500. Fully insured up to $250,000.
Offer: Effective date 2026-10-22.
Promotional rate · Effective Oct 22, 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 - 4.00%APY$400 over 1 year 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$400 over 1 year on $10,000
Requirements
Product: Only $1,000 minimum balance to open. Interest is compounded daily and credited monthly. Rates are locked for the term chosen.
3.92% interest rate · Compounded daily · Effective Sep 30, 2026
Rate checked
More details - 3.70%APY$370 over 1 year on $10,000
Requirements
Product: A penalty may be imposed for early withdrawal. Fees may reduce earnings.
Offer: A penalty may be imposed for early withdrawal. Fees may reduce earnings.
3.64% interest rate · Effective Oct 7, 2026
Rate checked
More details - 3.60%APY$360 over 1 year on $10,000
Requirements
Product: An early withdrawal penalty may be imposed. Fees could reduce earnings.
3.54% interest rate · Effective Oct 13, 2026
Rate checked
More details - Ocean State Credit UnionCertificate of Deposit (CD)CD · 12 months · $1,000 min
Credit union · 6 branches
3.50%APY$350 over 1 year on $10,000Requirements
Product: All Certificates are subject to penalties for early withdrawals or close-outs. All Certificates will renew as a new CD of the same type unless otherwise stated.
Offer: Interest Paid Quarterly. Early Withdrawal Penalty of 3 Months Interest.
3.45% interest rate · Effective Jan 1, 2026
Rate checked
More details - BrightBridge Credit UnionCertificate AccountsCD · 12 months · $500 min · 3.35%–3.45% by balance
Credit union · 1 branch
3.35%APY$335 over 1 year on $10,0003.30% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Certificate Accounts Balance APY $500 and upYour amount 3.35% $50,000 and up 3.45% Rate checked
More details - 3.25%APY$325 over 1 year on $10,000
Requirements
Product: Penalty for early withdrawal. Interest is compounded monthly. Deposits are accepted from residents of Massachusetts, Rhode Island and Windham County Connecticut only. All accounts are subject to approval.
3.20% interest rate · Compounded monthly · Effective Oct 15, 2026
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 - 3.04%APY$304 over 1 year on $10,000
Requirements
Product: Minimum to open is $1,000.00. Statements mailed quarterly, dividends post monthly, calculated on average daily balance. Guaranteed yields backed by NCUA up to $250,000.
3.00% interest rate
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 1-year CDs pay in Rhode Island
34 CDs at 24 banks and credit unions · checked Oct 15–22
- Typical
- 2.85%
- Top 10% from
- 4.00%
- Banks, typical
- 2.00%
- Credit unions, typical
- 3.50%
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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