Compare Bank & Credit Union Rates
Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 16–30 results in Providence, RI-MA metro
- 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 - 4.25%APY$868 over 24 months 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.
4.16% interest rate · Compounded daily · Effective Sep 30, 2026
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More details - 4.25%APY$1,097 over 30 months on $10,000intro rate
Requirements
Product: Membership eligibility required (live, go to school, or work in Barnstable, Bristol, Dukes, Middlesex, Nantucket, Norfolk, Plymouth, or Suffolk county MA or specified towns). Rates fixed for the term. Early withdrawal penalties apply. Insured by NCUA and MSIC.
Offer: 30 Month Special. Rates fixed for term; penalty may apply for early withdrawal.
Promotional rate · 4.17% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.15%APY$629 over 18 months on $10,000
Requirements
Product: Minimum deposit to open is $1,000; maximum deposit to open is $1,000,000.00. You must maintain a minimum balance of $0.01 in the account each day to obtain the disclosed APY. Compounded daily. A penalty may be imposed for early withdrawal. Fees may reduce earnings.
Offer: Select 18-Month CD. Compounded daily. Minimum balance of $0.01 required daily to obtain disclosed APY.
4.07% interest rate · Compounded daily · Balance cap $1,000,000 · Effective Oct 6, 2026
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More details - 4.15%APY$958 over 27 months on $10,000
Requirements
Offer: Automatically renews into a 30 Month CD.
4.07% interest rate · Effective Sep 21, 2026
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More details - Goldmark Federal Credit UnionCertificate of DepositCD · 15 months · $1,000 min
Credit union · 1 branch
4.13%APY$519 over 15 months on $10,000Requirements
Product: Fixed rates at account opening for the term of the account. Penalty may apply for early withdrawals.
Offer: 15 Month Special
4.05% interest rate · Effective Oct 6, 2026
Rate checked
More details - Navy Federal Credit UnionStandard CertificateCD · 18 months · $1,000 min · 4.10%–4.15% by balance
Credit union · 1 branch
4.10%APY$621 over 18 months on $10,000Effective Oct 22, 2026
Rate by balance
Rate by balance for Standard Certificate Balance APY $1,000 and upYour amount 4.10% $20,000 and up 4.10% $100,000 and up 4.15% Rate checked
More details - 4.05%APY$268 over 8 months on $10,000intro rate
Requirements
Product: Minimum balance required to open account as well as to obtain advertised Annual Percentage Yield (APY). Special certificates are not to be combined with any other offer. Penalty for early withdrawal. Fees could reduce earnings. Dividends compounded monthly. Additional deposits not allowed.
Offer: Special certificate; not to be combined with any other offer. Dividends compounded monthly. Penalty for early withdrawal. Fees could reduce earnings.
Promotional rate · 3.98% interest rate · Compounded monthly · Effective Oct 15, 2026
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 $10,000
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.
3.92% interest rate · Effective Oct 13, 2026
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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
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More details - 4.00%APY$299 over 9 months on $10,000intro rate
Requirements
Product: Premium fixed rates offered for the term of the certificate. Minimum opening deposit of $250.00 to earn APY. Dividends compounded and paid/credited monthly. Subject to early withdrawal penalties. Fees may reduce earnings. Upon maturity, certificate will automatically renew at the prevailing rate.
Offer: Limited-time special. Offer expires 9/20/26. Minimum opening deposit of $250 to earn APY. Dividends compounded and paid monthly. Early withdrawal penalty may be imposed if redeemed prior to maturity. Fees may reduce earnings. Valid on personal and business accounts only; no institutional funds. Automatically renews at the prevailing rate upon maturity.
Promotional rate · 3.93% interest rate · Effective Sep 14, 2026
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More details - 4.00%APY$332 over 10 months on $10,000
3.93% interest rate · Effective Oct 5, 2026
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More details - 4.00%APY$366 over 11 months on $10,000
Requirements
Product: Minimum required to open is the minimum required to earn APY. APY assumes principal and interest remain on deposit for one year. For terms 12 months or longer, interest is compounded and credited monthly; for terms under 12 months, simple interest is credited monthly. Penalty assessed on early withdrawal.
Offer: Special CD promotional offer available to new or existing customers without a checking account. Minimum CD opening deposit is $2,500 to obtain promotional APY. Automatically renews at maturity for six months at the then current 6-month rate in effect at that time. Penalty will be imposed for early withdrawal. Available for IRAs and business customers.
4.00% interest rate · Effective Sep 24, 2026
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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
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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-MA metro
545 CDs at 47 banks and credit unions · checked Oct 15–22
- Typical
- 2.85%
- Top 10% from
- 4.00%
- Banks, typical
- 2.50%
- Credit unions, typical
- 3.04%
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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