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 61–75 results in Providence, RI-MA metro
- 3.25%APY$161 over 6 months on $10,000
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: Rates fixed for term; penalty may apply for early withdrawal.
3.20% interest rate · Effective Jul 9, 2026
Rate checked
More details - 3.25%APY$188 over 7 months on $10,000with conditions
Requirements
Product: Promotional offer may be withdrawn at any time. Can be opened at branch locations, not online. 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. A personal checking account (new or existing) must be open and have monthly direct deposit established to obtain the 7 Month Statement CD. Account will renew into a 6 Month CD at end of term.
Offer: A personal checking account (new or existing) must be open and have monthly direct deposit established. Must be opened with new funds. In-branch opening only.
Qualified rate · 3.20% interest rate · Balance cap $1,000,000 · Effective Oct 15, 2026
Rate checked
More details - 3.25%APY$491 over 18 months on $10,000
Requirements
Product: Start investment with as little as $500. Rates subject to change without notice and may change monthly. Fees may reduce earnings. A penalty may be imposed for early withdrawal.
3.20% interest rate · Effective Oct 22, 2026
Rate checked
More details - 3.25%APY$491 over 18 months on $10,000
Requirements
Product: Early withdrawal penalty equals 180 days interest on principal amount withdrawn.
3.20% interest rate · 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$151 over 6 months 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 - 3.00%APY$74 over 3 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. Account will automatically renew into a 3 Month Statement CD at maturity. Early withdrawal penalty applies (30 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$74 over 3 months on $10,000with conditions
Requirements
Product: Early withdrawal penalty may apply. $1,000 minimum balance to open.
Offer: Premium APY requires maintaining a Personal Premium Checking or Personal Premium Money Market account.
Qualified rate
Rate checked
More details - 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 - 2.79%APY$69 over 3 months on $10,000
Requirements
Product: Compounded monthly, paid at end of term. 90 day penalty for early withdrawal. Interest accrues on balances $1,000.00 and up.
Offer: Interest accrues on balances $1,000.00 and up.
2.75% interest rate · Compounded monthly
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