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 76–90 results in Providence, RI-MA metro
- 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 Early withdrawal penalty equals 30 days interest on the principal amount withdrawn.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 - 2.50%APY$506 over 24 months on $10,000
Requirements
Product: A minimum opening deposit of $1,000.00 is required. CDs renew as a new CD of the same type at the then current interest rate unless otherwise specified. All Certificates of Deposit are subject to an early withdrawal / closeout penalty. Interest is compounded monthly and paid upon maturity.
Offer: Interest is compounded monthly and is paid upon maturity.
2.50% interest rate · Compounded monthly · Effective Mar 26, 2025
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
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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
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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
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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
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More details - First Citizens Federal Credit UnionTerm CertificateCD · 36 months · $500 min
Credit union · 5 branches
0.75%APY$227 over 36 months on $10,000Requirements
Product: Dividends compounded and paid monthly. Penalties may be imposed for early withdrawal. Rates subject to approval and change at any time. No annual maintenance fees.
0.75% interest rate · Effective Mar 24, 2020
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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
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More details - Taunton Federal Credit UnionMoney Maker Plus Term Share CertificateCD · 12 months · $250 min
Credit union · 5 branches
0.50%APY$50 over 1 year on $10,000with conditionsRequirements
Product: Certificate requires an existing payroll or ACH deposit at TFed. Not valid for qualified funds (IRA). Minimum opening deposit of $250 required to earn APY, unless waived for TFed at Work participants. If payroll is not deposited into the certificate within 90 days, rate adjusts to the standard savings rate based on account balance. Dividends compounded and credited monthly. Subject to early withdrawal penalties. Automatically renews at prevailing rate upon maturity.
Offer: Requires minimum payroll deposit of $100 weekly, $200 biweekly, or $400 monthly. Requires existing payroll or ACH deposit at TFed. Minimum opening deposit of $250 to earn APY unless waived for TFed at Work participants. Rate adjusts to standard savings rate if payroll not deposited within 90 days. Dividends compounded and credited monthly. Subject to early withdrawal penalties. Upon maturity, renews at prevailing rate.
Qualified rate · 0.50% interest rate · Effective Sep 14, 2026
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More details - 0.49%APY$247 over 60 months on $10,000
Requirements
Product: Early withdrawal penalty may apply.
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More details - Taunton Federal Credit UnionMoney Maker Term Share CertificateCD · 12 months · $250 min
Credit union · 5 branches
0.45%APY$45 over 1 year on $10,000with conditionsRequirements
Product: Certificate requires an existing payroll or ACH deposit at TFed. Not valid for qualified funds (IRA). Minimum opening deposit of $250 required to earn APY, unless waived for TFed at Work participants. If payroll is not deposited into the certificate within 90 days, rate adjusts to the standard savings rate based on account balance. Dividends compounded and credited monthly. Subject to early withdrawal penalties. Automatically renews at prevailing rate upon maturity.
Offer: Requires minimum payroll deposit of $25 weekly, $50 biweekly, or $100 monthly. Requires existing payroll or ACH deposit at TFed. Minimum opening deposit of $250 to earn APY unless waived for TFed at Work participants. Rate adjusts to standard savings rate if payroll not deposited within 90 days. Dividends compounded and credited monthly. Subject to early withdrawal penalties. Upon maturity, renews at prevailing rate.
Qualified rate · 0.45% interest rate · Effective Sep 14, 2026
Rate checked
More details - Goldmark Federal Credit Union12 Month Freedom Gold CertificateCD · 12 months · $1,000 min
Credit union · 1 branch
0.25%APY$25 over 1 year on $10,000Requirements
Product: Allows one deposit and one withdrawal; not to go below minimum balance requirements; will not extend term of Certificate; penalties may apply if closing Certificate early.
Offer: Allows one deposit and one withdrawal; not to go below minimum balance requirements; will not extend term of Certificate; penalties may apply if closing Certificate early.
0.25% interest rate · Effective Oct 6, 2026
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More details - 0.05%APY$2 over 6 months on $10,000with conditions
Requirements
Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.
Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.
Qualified rate · 0.02% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD Ladder Balance APY Up to $9,999 0.02% $10,000 – $99,999Your amount 0.05% $100,000 and up 0.05% 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 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