Compare Bank & Credit Union Rates
Best savings rates in Lincoln, RI
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–13 results in Lincoln, RI
- 3.20%APY$320 a year on $10,000with conditions
Requirements
Product: Requires having a Beacon Bank checking account with an ownership relationship. Variable premium interest rate. Fees may reduce earnings.
Offer: Variable premium interest rate subject to change without notice. Requires an ownership relationship on a Beacon Bank checking account.
Qualified rate · Effective Sep 18, 2026
Rate checked
More details - Navigant Credit UnionCompass Money MarketCompass Money Market · $2,500 min · 0.15%–2.60% by balance
Credit union · 1 branch
2.45%APY$245 a year on $10,000Requirements
Product: Minimum balance to open is $2,500. Daily balance must be maintained at $2,500 to avoid a $10 low-balance fee. Rates may change after account opening.
Offer: Tier 1
Rate by balance
Rate by balance for Compass Money Market Balance APY Up to $5,000 0.15% $5,000 – $10,000Tier 2 0.15% $10,000 – $50,000Your amountTier 3 2.45% $50,000 and upTier 4 2.60% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Dividends posted quarterly, calculated on average daily balance. Statements mailed quarterly. ATM accessible account, direct deposit, can be used for overdraft protection. Dividends paid on $5.00 or more.
Offer: Minimum balance of $5.00 required. Dividends paid on $5.00 or more.
0.10% interest rate · No monthly fee
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Statements mailed quarterly, dividends posted quarterly, calculated on average daily balance. Not an ATM accessible account. Direct deposit, can be used for overdraft protection.
Offer: No minimum balance required.
0.10% interest rate
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: No service charge fees. Statements mailed out on quarterly basis. Dividends calculated on average daily balance; dividend posted monthly. Not an ATM accessible account. Direct deposit available. Can be used for overdraft protection.
0.10% interest rate · No monthly fee
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Required minimum deposit balance of $10.00 is required to earn APY. Interest paid and compounded monthly. Rate and APY may change after account is opened at any time without notice.
Offer: Required minimum deposit balance of $10.00 is required to earn APY.
0.09% interest rate · Compounded monthly
Rate checked
More details - BankNewportMoney Market SavingsMoney Market Savings · $2,500 min · 0.02%–0.20% by balance
Bank · 1 branch
0.05%APY$5 a year on $10,000Requirements
Product: Monthly maintenance service charge of $10.00 if daily balance falls below $2,500.00 any day of the month in a statement cycle.
Offer: Tier 1 daily balance $2,500.00 - $9,999.99. Monthly maintenance service charge of $10.00 if minimum balance falls below $2,500.00 any day of the month in a statement cycle.
$10 monthly fee · Effective Oct 21, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY $2,500 – $10,000 0.02% $10,000 – $25,000Your amount 0.05% $25,000 – $50,000 0.10% $50,000 – $75,000 0.15% $75,000 and up 0.20% Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: If the daily balance falls below $100.00 a monthly maintenance service charge of $3.00 will be charged. Customers under age 18 or age 62 and over may have one Statement Savings account with no maintenance service charge.
Offer: Tier 1 rate. Monthly maintenance fee of $3.00 charged if daily balance falls below $100.00; fee waived for customers under age 18 or age 62 and over (limit one account).
$3 monthly fee · Effective Oct 21, 2026
Rate checked
More details - Citizens BankCitizens Private Client® Money MarketCitizens Private Client® Money Market · $0 min · 0.03%–3.50% by balance
Bank · 1 branch
0.03%APY$3 a year on $10,000Requirements
Product: Rates apply to new accounts and may not apply to existing accounts. Variable APY subject to change daily. Rates accurate for Rhode Island (ZIP 02903).
Offer: Preferred Rate; Preferred Rates require $25,000 not currently on deposit with Citizens.
Effective Sep 25, 2026
Rate by balance
Rate by balance for Citizens Private Client® Money Market Balance APY Up to $9,999 0.03% $10,000 – $24,999Your amount 0.03% $25,000 – $49,999 3.50% $50,000 – $99,999 3.50% $100,000 – $249,999 3.50% $250,000 – $499,999 3.50% $500,000 – $999,999 3.50% $1,000,000 – $2,999,999 3.50% $3,000,000 and up 3.50% Rate checked
More details - 0.01%APY$1 a year on $10,000
Requirements
Product: Monthly service charge of $7 waived with a $2,500 minimum balance. Minimum opening deposit $2,500. Features tiered interest rates and check-writing capability. Method of compounding: Monthly.
Offer: Monthly service charge of $7 waived with a $2,500 minimum balance. Method of compounding: Monthly.
0.01% interest rate · $7 monthly fee · Effective Oct 2, 2026
Rate checked
More details - Eastern BankFeatured Premier Money MarketFeatured Premier Money Market · $10 min · 0.01%–2.07% by balance
Bank · 1 branch
0.01%APY$1 a year on $10,000Requirements
Product: Compounded and paid monthly. No monthly maintenance fee or minimum balance requirement.
Offer: Method of compounding: Monthly.
0.01% interest rate · No monthly fee · Effective Oct 2, 2026
Rate by balance
Rate by balance for Featured Premier Money Market Balance APY Up to $9,999 0.01% $10,000 – $99,999Your amount 0.01% $100,000 – $249,999 1.11% $250,000 and up 2.07% Rate checked
More details - 0.01%APY$1 a year on $10,000
Requirements
Offer: Interest is compounded monthly. Fees may reduce earnings.
0.01% interest rate · Compounded monthly · Effective Oct 2, 2026
Rate checked
More details - 0.01%APY$1 a year on $10,000
Requirements
Product: Rates apply to new accounts and may not apply to existing accounts. Variable APY subject to change daily. Rates accurate for Rhode Island (ZIP 02903).
Effective Oct 3, 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 savings accounts pay in Lincoln, RI
13 accounts at 6 banks and credit unions · checked Oct 3–22
- Typical
- 0.05%
- Top 10% from
- 1.98%
- Banks, typical
- 0.02%
- Credit unions, typical
- 0.10%
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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