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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 Warwick, RI
- 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Product: Early withdrawal penalty equals 90 days interest on principal amount withdrawn.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 - 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 - 3.50%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$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: 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 - 3.00%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
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 Warwick, RI
226 CDs at 15 banks and credit unions · checked Oct 5–22
- Typical
- 2.50%
- Top 10% from
- 4.00%
- Banks, typical
- 2.00%
- Credit unions, typical
- 3.50%
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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