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 31–45 results in Providence, RI-MA metro
- 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 - Fall River Municipal Credit UnionShare CertificatesCD · 12 months · $500 min
Credit union · 3 branches
4.00%APY$400 over 1 year on $10,000intro rateRequirements
Product: Fixed rate for term of deposit. Dividend rate compounded monthly and paid monthly. Renewed automatically at the end of a 7 calendar day grace period. May be pledged as collateral. $5.00 member share required.
Offer: 12 Month Special. Annual Percentage Yield (APY) assumes that dividends remain on deposit until maturity. Early withdrawal is subject to penalty and will reduce earnings. Jumbo CD rate available on balances of $100,000 or more – add .10% basis points over current rate. $5.00 member share required.
Promotional rate · 3.93% interest rate · Compounded monthly · Effective Sep 10, 2026
Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Product: Dividends credited monthly. Penalty may be imposed for early withdrawal.
Offer: Dividends credited monthly.
3.93% interest rate · Effective Aug 3, 2026
Rate checked
More details - 4.00%APY$468 over 14 months on $10,000intro rate
Requirements
Product: Penalty on Early Withdrawal of Certificates. Maintenance or dormant fees could reduce earnings on deposit accounts.
Offer: Certificate Specials
Promotional rate · 3.93% interest rate · Effective Aug 21, 2026
Rate checked
More details - St. Anne's Credit UnionCertificates of DepositsCD · 18 months · $1,000 min
Credit union · 12 branches
4.00%APY$606 over 18 months on $10,000Requirements
Product: Dividend rate is compounded monthly and paid monthly. Renewed automatically at the end of a 10 calendar day grace period. A substantial penalty is assessed on funds withdrawn prior to maturity on all Certificate accounts.
Compounded monthly
Rate checked
More details - 3.95%APY$395 over 1 year on $10,000intro rate
Requirements
Product: Interest compounded daily and credited monthly. Penalty assessed for withdrawal prior to maturity. Limited time offer subject to change.
Offer: Interest compounded daily and credited monthly. Penalty for early withdrawal.
Promotional rate · Compounded daily · Effective Oct 15, 2026
Rate checked
More details - 3.85%APY$95 over 3 months on $10,000intro rate
Requirements
Product: Penalty for early withdrawal. Dividend rate may change after the account is opened. All rates subject to change. Fees may reduce earnings.
Offer: SPECIAL
Promotional rate · 3.78% interest rate · Effective Jun 17, 2026
Rate checked
More details - 3.82%APY$221 over 7 months on $10,000intro rate
Requirements
Product: Deposit of $500.00 or more into accounts for specified periods from 6 months to 48 months. Different rates and terms may require larger minimum deposits. Interest rate at time of deposit is guaranteed for the term. Penalty for early withdrawal may apply.
Offer: 7 Month SPECIAL
Promotional rate · 3.75% interest rate · Effective Aug 26, 2026
Rate checked
More details - 3.82%APY$382 over 1 year on $10,000intro rate
Requirements
Product: New money from outside of any SouthCoast Accounts is needed to fund the CD, or an additional $10,000 from an outside source is needed to use funds from an existing credit union account.
Offer: New money from outside of any SouthCoast Accounts required; to use existing credit union funds, an additional $10,000 from an outside source is required.
Promotional rate · 3.75% interest rate
Rate checked
More details - 3.82%APY$382 over 1 year on $10,000
3.75% interest rate · Effective Aug 14, 2026
Rate checked
More details - St. Anthony of Padua FCU12 Month Certificate SpecialCD · 12 months · $500 min
Credit union · 1 branch
3.82%APY$382 over 1 year on $10,000intro ratePromotional rate · 3.75% interest rate · Effective Aug 14, 2026
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More details - 3.82%APY$1,190 over 36 months on $10,000
3.75% interest rate · Effective Feb 14, 2025
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 - 3.75%APY$343 over 11 months on $10,000
Requirements
Product: Early withdrawal penalty equals 90 days interest on principal amount withdrawn.
3.69% interest rate · Effective Oct 15, 2026
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 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%
Is your bank paying you enough?
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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