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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 County, RI · Showing Providence County, RI: too few institutions in Cumberland, RI
- 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 - 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$568 over 18 months on $10,000
Requirements
Product: An early withdrawal penalty may be imposed. Fees could reduce earnings.
3.68% interest rate · Effective Oct 13, 2026
Rate checked
More details - 3.55%APY$176 over 6 months on $10,000with conditions
Requirements
Product: Special offer for Washington Trust Freedom Ultra or Freedom Plus checking account customers. Open in branch or over the phone. No municipal or government funds. Early withdrawal penalties apply.
Offer: Must have a Washington Trust Freedom Ultra or Freedom Plus checking account. Open in branch or over the phone. No municipal or government funds. Early withdrawal penalties apply.
Qualified rate · Effective Apr 1, 2026
Rate checked
More details - 3.55%APY$446 over 15 months on $10,000intro rate
Requirements
Product: Fixed interest rate. 6 to 60 months terms available. Early withdrawal penalty may be imposed. Annual statement. Terms, interest rates, and APYs are for statement-based CDs only.
Offer: 15 Month Statement CD Special. This offer may be withdrawn at any time. Preferred Checking Account preferential CD rate benefit does not apply to this offer.
Promotional rate · 3.49% interest rate · Effective Oct 14, 2026
Rate checked
More details - 3.50%APY$261 over 9 months on $10,000with conditions
Requirements
Product: Requires a Washington Trust Freedom Ultra or Freedom Plus checking account. Open in branch or over the phone. No municipal or government funds. Early withdrawal penalties apply.
Offer: Requires a Washington Trust Freedom Ultra or Freedom Plus checking account. Open in branch or over the phone. No municipal or government funds. Early withdrawal penalties apply.
Qualified rate · Effective Feb 13, 2026
Rate checked
More details - Ocean State Credit UnionCertificate of Deposit (CD)CD · 12 months · $1,000 min
Credit union · 1 branch
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 - 3.50%APY$1,877 over 60 months on $10,000
Requirements
Product: Available only online. Penalty for early withdrawal. Fees could reduce earnings. $1,000 minimum daily balance required during each monthly cycle period to earn interest/APY.
3.44% interest rate · Effective Aug 31, 2026
Rate checked
More details - 3.35%APY$363 over 13 months on $10,000with conditions
Requirements
Product: Fixed rate with unlimited deposits. New money only to open unless Freedom Ultra checking holder. Washington Trust checking account required. No municipal/government funds or IRA. Open online, in branch, or by phone.
Offer: Fixed rate with unlimited deposits before maturity (ACH, wire, ATM deposits not allowed). New money only to open; Freedom Ultra checking may use existing funds. Washington Trust checking account required. No municipal, government funds, or IRA.
Qualified rate · Balance cap $5,000,000 · Effective Apr 29, 2026
Rate checked
More details - 3.30%APY$164 over 6 months on $10,000
Requirements
Product: Minimum balance to earn stated APY $0.01. Minimum deposit to open account is $500.00. Early withdrawal penalties will be imposed and early withdrawals reduce APY earned. Freedom Ultra Checking and Freedom Plus Checking customers receive an extra 0.25% APY.
3.25% interest rate · Effective Jul 13, 2026
Rate checked
More details - 3.30%APY$164 over 6 months on $10,000with conditions
Requirements
Product: Rates current as of 9/18/2026. Must be OWNER on a Beacon Bank checking account. Balance cannot exceed $1,000,000. APY is variable and subject to change. Early withdrawal penalty may apply.
Offer: Promotional rate valid for 6-month term. Must be an OWNER on a Beacon Bank checking account. Cannot make additional deposits before maturity.
Qualified rate · Balance cap $1,000,000 · Effective Sep 18, 2026
Rate checked
More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% 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 - 3.15%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
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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 County, RI
262 CDs at 19 banks and credit unions · checked Oct 5–22
- Typical
- 2.65%
- Top 10% from
- 4.00%
- Banks, typical
- 2.14%
- 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