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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.

Term
Location

Top CD rates

Showing 1–15 results in Rhode Island

  1. Top Carrot, Carrot Score 87
    Rhode Island Credit UnionCertificates of DepositCD · 8 months · $500 min

    Credit union · 8 branches

    4.80%APY$317 over 8 months on $10,000
  2. BankNewportLimited Time Offers CDCD · 18 months · $1,000 min

    Bank · 19 branches

    4.50%APY$683 over 18 months on $10,000with conditions
  3. Milford FederalCertificates of DepositCD · 5 months · $1,000 min

    Bank · 1 branch

    4.30%APY$177 over 5 months on $10,000
  4. BankFive15 Month CDCD · 15 months · $500 min

    Bank · 1 branch

    4.30%APY$540 over 15 months on $10,000
  5. Eastern BankFeatured CDsCD · 18 months · $2,500 min

    Bank · 8 branches

    4.30%APY$652 over 18 months on $10,000intro rate
  6. Centreville Bank7-Month CD Special (New Money)CD · 7 months · $1,000 min

    Bank · 16 branches

    4.25%APY$246 over 7 months on $10,000with conditions
  7. Top Carrot, Carrot Score 91
    Shoreham BankCD AccountsCD · 9 months · $1,000 min

    Bank · 3 branches

    4.25%APY$317 over 9 months on $10,000
  8. Navigant Credit UnionCertificates of DepositCD · 11 months · $500 min

    Credit union · 25 branches

    4.25%APY$389 over 11 months on $10,000
  9. Top Carrot, Carrot Score 89
    Coastal1 Credit UnionCertificate Of DepositCD · 13 months · $1,000 min

    Credit union · 18 branches

    4.25%APY$461 over 13 months on $10,000
  10. Wave Federal Credit UnionShare CertificateCD · 14 months · $1,000 min

    Credit union · 3 branches

    4.25%APY$498 over 14 months on $10,000
  11. Centreville Bank15-Month CD Special ($10,000 New Money)CD · 15 months · $10,000 min

    Bank · 16 branches

    4.25%APY$534 over 15 months on $10,000with conditions
  12. Bristol County Savings BankPRIME TIME™ Certificate of DepositCD · 18 months · $1,000 min

    Bank · 4 branches

    4.25%APY$644 over 18 months on $10,000with conditions
  13. BankNewportPremium Gold CDsCD · 18 months · $1,000 min

    Bank · 19 branches

    4.25%APY$644 over 18 months on $10,000with conditions
  14. BankNewportCertificates of DepositCD · 18 months · $1,000 min

    Bank · 19 branches

    4.25%APY$644 over 18 months on $10,000
  15. Greenwood Credit UnionCertificates of DepositCD · 24 months · $1,000 min

    Credit union · 1 branch

    4.25%APY$868 over 24 months on $10,000

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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Rhode Island

Top Carrot institutions

Ranked across their CDs, savings, auto loans and credit cards. How scores work

  1. Shoreham BankBank · 3 branches
  2. Coastal1 Credit UnionCredit union · 18 branches
  3. Ocean State Credit UnionCredit union · 6 branches
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate