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 16–30 results in Rhode Island
- Navy Federal Credit UnionStandard CertificateCD · 18 months · $1,000 min · 4.10%–4.15% by balance
Credit union · 1 branch
4.10%APY$621 over 18 months on $10,000Effective Oct 22, 2026
Rate by balance
Rate by balance for Standard Certificate Balance APY $1,000 and upYour amount 4.10% $20,000 and up 4.10% $100,000 and up 4.15% Rate checked
More details - 4.00%APY$198 over 6 months on $10,000
Requirements
Product: Early withdrawal penalties apply. Fees could reduce earnings. APY assumes principal and interest remain on deposit for the term of the certificate.
Effective Oct 14, 2026
Rate checked
More details - 4.00%APY$231 over 7 months on $10,000
Requirements
Product: Fees may reduce earnings. Minimum balance is $0.01 to earn interest. Penalty may be imposed for early withdrawal of principal. Quoted rates are subject to change without notice. All products with asterisks require consumer customers to have a Dime Bank consumer checking account.
Offer: At maturity, will be automatically renewed into a 1 Year CD. New funds not currently on deposit with Dime Bank only. Consumer customers must have a Dime Checking Account with a balance of at least $2,000.00 at time of account opening.
3.92% interest rate · Effective Oct 13, 2026
Rate checked
More details - 4.00%APY$231 over 7 months on $10,000with conditions
Requirements
Product: Available to open online, in branch, or over the phone. New money only (funds must be from sources other than Washington Trust). Washington Trust checking account required with a minimum balance of $2,500. No municipal or government funds. Early withdrawal penalties apply.
Offer: New money only; funds must be from sources other than Washington Trust. Washington Trust checking account required with a minimum balance of $2,500. Available to open online, in branch, or over the phone. No municipal or government funds. Early withdrawal penalties apply.
Qualified rate · Balance cap $5,000,000 · Effective Jul 14, 2026
Rate checked
More details - 4.00%APY$332 over 10 months on $10,000
3.93% interest rate · Effective Oct 5, 2026
Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Offer: You can add money any time until maturity. No maximum balance.
3.92% interest rate · Effective Oct 22, 2026
Rate checked
More details - 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 - 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 - 3.75%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 - Westerly Community Credit Union14 Month CD SpecialCD · 14 months · $10,000 min
Credit union · 5 branches
3.65%APY$427 over 14 months on $10,000intro rateRequirements
Product: Limited time offer. Rate shown requires new money only (monies transferred from another financial institution). Existing WCCU members are eligible when an additional $10,000 in new money is added to their WCCU funds. Interest will be deposited into a WCCU account only.
Offer: Limited time offer for new money only. Existing members require $10,000 in new money. Penalty will be imposed for early withdrawal. Interest deposited into WCCU account only.
Promotional rate · 3.59% 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 - 3.55%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
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 Rhode Island
344 CDs at 26 banks and credit unions · checked Oct 15–22
- Typical
- 2.75%
- Top 10% from
- 4.00%
- Banks, typical
- 2.25%
- Credit unions, typical
- 3.25%
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Find your bank or credit union to see all its rates and how they compare near you.
Rhode Island
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Shoreham BankBank · 3 branches
- Coastal1 Credit UnionCredit union · 18 branches
- Ocean State Credit UnionCredit union · 6 branches