Compare Bank & Credit Union Rates
Best savings rates in Providence, RI
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Providence, 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 - Coastal1 Credit UnionPremier Money Market SpecialPremier Money Market Special · $2,500 min · 1.00%–2.50% by balance
Credit union · 1 branch
2.50%APY$250 a year on $10,000Rate by balance
Rate by balance for Premier Money Market Special Balance APY Up to $10,000 1.00% $10,000 – $50,000Your amount 2.50% $50,000 – $100,000 2.50% $100,000 – $150,000 2.50% $150,000 – $250,000 2.50% $250,000 – $500,000 2.50% $500,000 and up 2.50% 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 - Washington TrustHigh-Rate Savings AccountSavings · $25 min · 2.20%–3.60% by balance
Bank · 3 branches
2.35%APY$235 a year on $10,000with conditionsRequirements
Product: Checking account required. Minimum to open is $10,000.00 of non-Washington Trust funds, or $25.00 (may be existing funds) if a Freedom Ultra Checking account holder. Freedom Ultra personal checking customers earn an additional 0.50% APY bonus (tax reported owner on checking must match tax reported owner on savings). $2,500.00 average collected daily balance required to avoid $10.00 monthly service charge; fee waived if Tax Reported Owner is under age 21 or age 62 and older. No municipal or government funds. One account per tax reported owner only.
Offer: Requires Freedom Ultra Checking account. Opening minimum is $25. Monthly fee of $10 waived with $2,500 average collected daily balance or if Tax Reported Owner is under 21 or 62+.
Qualified rate · $10 monthly fee · Effective Oct 14, 2026
Rate by balance
Rate by balance for High-Rate Savings Account Balance APY Up to $2,500 2.20% $2,500 – $25,000Your amount 2.35% $25,000 – $50,000 2.45% $50,000 – $249,999 3.50% $250,000 and up 3.60% Rate checked
More details - Centreville BankHigh Yield Savings AccountSavings · $10,000 min · 2.00%–2.50% by balance
Bank · 2 branches
2.00%APY$200 a year on $10,000intro rateRequirements
Product: Requires a minimum of $10,000 in New Money (funds not on deposit with Centreville Bank within the last 30 days) to open. Limited time offer. Avoid $5 monthly maintenance fee by maintaining a minimum daily balance of $1,000.
Offer: Requires minimum $10,000 New Money to open. Avoid $5.00 monthly maintenance fee by maintaining a minimum daily balance of $1,000.
Promotional rate · $5 monthly fee
Rate by balance
Rate by balance for High Yield Savings Account Balance APY $2,500 – $50,000Your amount 2.00% $50,000 – $100,000 2.25% $100,000 and up 2.50% Rate checked
More details - Washington TrustHigh-Rate Savings AccountSavings · $10,000 min · 1.70%–3.10% by balance
Bank · 3 branches
1.85%APY$185 a year on $10,000with conditionsRequirements
Product: Checking account required. Minimum to open is $10,000.00 of non-Washington Trust funds, or $25.00 (may be existing funds) if a Freedom Ultra Checking account holder. Freedom Ultra personal checking customers earn an additional 0.50% APY bonus (tax reported owner on checking must match tax reported owner on savings). $2,500.00 average collected daily balance required to avoid $10.00 monthly service charge; fee waived if Tax Reported Owner is under age 21 or age 62 and older. No municipal or government funds. One account per tax reported owner only.
Offer: Standard High-Rate Savings rate. Monthly fee of $10 waived with $2,500 average collected daily balance or if Tax Reported Owner is under 21 or 62+.
Qualified rate · 1.68% interest rate · $10 monthly fee · Effective Oct 14, 2026
Rate by balance
Rate by balance for High-Rate Savings Account Balance APY Up to $2,500 1.70% $2,500 – $25,000Your amount 1.85% $25,000 – $50,000 1.95% $50,000 – $249,999 3.00% $250,000 and up 3.10% Rate checked
More details - Ocean State Credit UnionPersonal Money Market AccountPersonal Money Market Account · $2,500 min · 1.50%–2.00% by balance
Credit union · 1 branch
1.50%APY$150 a year on $10,000Requirements
Product: A balance of $2,500.00 is required to maintain a Money Market Account and earn APY. Interest is compounded and credited monthly. Touch-tone teller access available.
Offer: Tier 1
1.49% interest rate · No monthly fee
Rate by balance
Rate by balance for Personal Money Market Account Balance APY $2,500 – $25,000Your amount 1.50% $25,000 – $50,000Tier 2 1.70% $50,000 – $75,000Tier 3 1.90% $75,000 and upTier 4 2.00% Rate checked
More details - Centreville BankPersonal Premium Money MarketPersonal Premium Money Market · $10,000 min · 1.20%–2.30% by balance
Bank · 2 branches
1.20%APY$120 a year on $10,000Requirements
Product: High-yield savings benefits combined with check-writing capabilities. Opening deposit of $10,000 required. Monthly maintenance fee of $10 imposed if balance falls below $10,000 any day of the statement cycle. Rate may change after account is opened.
Offer: Tier 1. Rate may change after the account is opened. Monthly maintenance fee of $10.00 will be imposed if the balance falls below $10,000 any day of the statement cycle.
$10 monthly fee
Rate by balance
Rate by balance for Personal Premium Money Market Balance APY $10,000 – $25,000Your amount 1.20% $25,000 – $50,000Tier 2. 1.40% $50,000 – $100,000Tier 3. 1.60% $100,000 – $250,000Tier 4. 1.80% $250,000 – $500,000Tier 5. 2.05% $500,000 and upTier 6. 2.30% Rate checked
More details - Rhode Island Credit UnionMoney Market Savings AccountMoney Market Savings Account · $2,500 min · 0.75%–1.26% by balance
Credit union · 1 branch
0.75%APY$75 a year on $10,000Requirements
Product: Interest Rate and Annual Percentage Yield may change daily as determined by the Credit Union's Board of Directors.
0.75% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Savings Account Balance APY $2,500 – $25,000Your amount 0.75% $25,000 – $75,000 1.00% $75,000 and up 1.26% Rate checked
More details - 0.30%APY$30 a year on $10,000with conditions
Requirements
Product: Customers must maintain a PRIME TIME Checking Account to be eligible for product. Fees could reduce earnings. The rate on these accounts may change after the account is opened.
Qualified rate · 0.30% interest rate · Effective Oct 9, 2026
Rate by balance
Rate by balance for Prime Time™ Balance APY Up to $25,000Your amount 0.30% $25,000 – $50,000 0.75% $50,000 – $100,000 1.06% $100,000 – $250,000 2.02% $250,000 – $500,000 2.53% $500,000 – $1,000,000 2.53% $1,000,000 – $1,500,000 2.53% $1,500,000 – $2,000,000 2.53% Over $2,000,000 2.53% Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: No minimum daily balance required. If the account is closed before the interest is posted, you will not receive the accrued interest. Account type is only available in-branch.
Offer: Tier 1. No minimum daily balance required. If the account is closed before the interest is posted, you will not receive accrued interest. Available in-branch.
0.15% interest rate · Effective Aug 31, 2026
Rate by balance
Rate by balance for Statement Savings Balance APY $25 and upYour amount 0.15% $25,000 and upTier 2. 0.20% $75,000 and upTier 3. 0.25% Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: A balance of $5.00 is required to maintain the account and earn the APY. Interest compounded monthly and credited monthly. ATM cards available.
Offer: Minimum deposit/balance of $5.00 required to maintain the account and earn APY. Interest compounded and credited monthly.
0.15% interest rate · Compounded monthly · Effective Jan 1, 2026
Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: To become a member and use credit union services, must open a Share Account with a maintained $5.00 balance. Minimum opening deposit of $5.00 required. Dividends compounded and paid quarterly.
Offer: Minimum deposit of $10.00 is required to earn APY. Dividends paid quarterly.
0.15% interest rate · Effective Jan 1, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000with conditions
Requirements
Product: Monthly fee of $15 waived by maintaining a minimum daily balance of $10,000 or linking an eligible TD Beyond or TD Complete checking account. Standard and Rate Bump APY tiers available (Rate bump requires linking an eligible TD account).
Offer: Standard APY
Qualified rate · $15 monthly fee · Effective Oct 3, 2026
Rate by balance
Rate by balance for TD Signature Savings Balance APY Up to $10,000 0.01% $10,000 – $25,000Your amountRate Bump APY with linked eligible TD account 0.10% $25,000 – $50,000Rate Bump APY with linked eligible TD account 0.25% $50,000 – $100,000Rate Bump APY with linked eligible TD account 0.50% $100,000 – $250,000Rate Bump APY with linked eligible TD account 2.00% $250,000 – $500,000Rate Bump APY with linked eligible TD account 2.50% $500,000 – $1,000,000Rate Bump APY with linked eligible TD account 2.50% $1,000,000 and upRate Bump APY with linked eligible TD account 2.50% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Minimum opening deposit and average daily balance of $1,000 required. Withdrawals allowed at any time. No monthly service charge.
Offer: Minimum average daily balance of $1,000.00 to earn stated APY.
0.10% interest rate · No monthly fee
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 Providence, RI
41 accounts at 16 banks and credit unions · checked Oct 5–22
- Typical
- 0.06%
- Top 10% from
- 2.00%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.15%
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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