Compare Bank & Credit Union Rates
Best savings rates in Smithfield, 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 Smithfield, RI
- 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 - Centreville BankHigh Yield Savings AccountSavings · $10,000 min · 2.00%–2.50% by balance
Bank · 1 branch
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 - Centreville BankPersonal Premium Money MarketPersonal Premium Money Market · $10,000 min · 1.20%–2.30% by balance
Bank · 1 branch
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 - 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 - 0.10%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 - Bristol County Savings BankMoney Market Passbook or StatementMoney Market Passbook or Statement · $10 min · 0.06%–0.46% by balance
Bank · 1 branch
0.06%APY$6 a year on $10,000Requirements
Product: Minimum opening deposit is $10.00. Rate may change after account is opened. Tiered interest based on account balance and no monthly maintenance fee.
Offer: Minimum opening deposit is $10.00. Rate may change after the account is opened. Minimum daily balance required to earn advertised APY is <$1,000.
0.06% interest rate · No monthly fee · Effective Oct 9, 2026
Rate by balance
Rate by balance for Money Market Passbook or Statement Balance APY Up to $1,000 0.06% $1,000 – $2,500 0.06% $2,500 – $10,000 0.06% $10,000 – $25,000Your amount 0.06% $25,000 – $50,000 0.11% $50,000 – $100,000 0.46% $100,000 – $250,000 0.46% $250,000 – $500,000 0.46% $500,000 – $1,000,000 0.46% $1,000,000 – $1,500,000 0.46% $1,500,000 – $2,000,000 0.46% Over $2,000,000 0.46% Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Minimum opening deposit is $10.00. Rate may change after account is opened. Fees could reduce earnings.
0.05% interest rate · Effective Oct 9, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: $5.00 monthly maintenance fee waived if daily balance of $100.00 or more is maintained, or if tax reporting owner is age 18 and under or 65 and over.
Offer: Must maintain minimum daily balance of $100.00 to earn APY. Monthly maintenance fee of $5.00 waived if minimum daily balance of $100.00 is maintained or if tax reporting owner is age 18 and under or 65 and over.
$5 monthly fee
Rate checked
More details - Centreville BankPersonal Plus Savings AccountSavings · $2,500 min · 0.05%–0.10% by balance
Bank · 1 branch
0.05%APY$5 a year on $10,000Requirements
Product: A monthly maintenance fee of $5.00 is imposed if the balance falls below $1,000 any day of the statement cycle.
Offer: Must maintain a minimum daily balance of $2,500 to earn interest. $5.00 monthly maintenance fee if daily balance falls below $1,000 on any day of the statement cycle.
$5 monthly fee
Rate by balance
Rate by balance for Personal Plus Savings Account Balance APY $2,500 – $50,000Your amount 0.05% $50,000 – $100,000 0.05% $100,000 and up 0.10% Rate checked
More details - 0.04%APY$4 a year on $10,000
Requirements
Product: Variable rate savings account. $8.00 monthly maintenance fee waived for the first 6 months for new accounts; thereafter waived by maintaining a minimum daily balance of $500 or more, owning a Bank of America Advantage Relationship Banking account, having an account owner under age 25, or being enrolled in BofA Rewards at Preferred Plus, Preferred Honors, or Premier tier. No Overdraft Item Fees. Paper check writing is not permitted. Online new account opening limit is $250,000.
Offer: Standard rate for balances less than $5,000. Variable rate. Applicable to Western North Carolina. $8.00 monthly fee with waiver options ($500 minimum daily balance, owner under 25, Advantage Relationship Banking, or qualifying BofA Rewards tier; fee waived first 6 months for new accounts).
0.04% interest rate · $8 monthly fee · Effective Oct 5, 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 - 0.02%APY$2 a year on $10,000with conditions
Requirements
Product: Earn Premier relationship rates when you link the account to a qualifying checking account (Chase Premier Plus Checking, Chase Sapphire Checking, Chase Private Client Checking, J.P. Morgan Private Client Checking Plus, or J.P. Morgan Classic Checking) and make at least 5 customer-initiated transactions in a monthly statement period using your linked checking account. $25 monthly service fee waived with $15,000+ beginning day balance or linked qualifying checking account.
Offer: Relationship rate: requires linked qualifying checking account and at least 5 customer-initiated transactions in a monthly statement period. $25 monthly service fee waived with $15,000+ daily balance or linked qualifying checking account.
Qualified rate · 0.02% interest rate · $25 monthly fee · Effective Oct 2, 2026
Rate checked
More details - 0.01%APY$1 a year on $10,000
Requirements
Product: $5 monthly service fee waived with ONE of: $300+ beginning day balance, $25+ repeating automatic transfers/Autosave from personal Chase checking, link to qualifying checking, link to Chase College Checking enrolled in Overdraft Protection, or account owner under age 25. Fee waived for first two statement periods on new/converted accounts.
Offer: $5 monthly service fee waived with $300+ daily balance, $25+ Autosave transfers, qualifying linked checking, linked Chase College Checking with Overdraft Protection, or owner under age 25.
0.01% interest rate · $5 monthly fee · Effective Oct 2, 2026
Rate checked
More details - 0.01%APY$1 a year on $10,000
Requirements
Product: $5 monthly service fee waived with ONE of: $300+ beginning day balance, $25+ repeating automatic transfers/Autosave from personal Chase checking, link to qualifying checking, link to Chase College Checking enrolled in Overdraft Protection, or account owner under age 25. Fee waived for first two statement periods on new/converted accounts.
Offer: $5 monthly service fee waived with $300+ daily balance, $25+ Autosave transfers, qualifying linked checking, linked Chase College Checking with Overdraft Protection, or owner under age 25.
0.01% interest rate · $5 monthly fee · Effective Oct 2, 2026
Rate checked
More details - 0.01%APY$1 a year on $10,000with conditions
Requirements
Product: Earn Premier relationship rates when you link the account to a qualifying checking account (Chase Premier Plus Checking, Chase Sapphire Checking, Chase Private Client Checking, J.P. Morgan Private Client Checking Plus, or J.P. Morgan Classic Checking) and make at least 5 customer-initiated transactions in a monthly statement period using your linked checking account. $25 monthly service fee waived with $15,000+ beginning day balance or linked qualifying checking account.
Offer: Standard rate. $25 monthly service fee waived with $15,000+ daily balance or linked qualifying checking account.
Qualified rate · 0.01% interest rate · $25 monthly fee · Effective Oct 2, 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 Smithfield, RI
17 accounts at 6 banks and credit unions · checked Oct 3–22
- Typical
- 0.05%
- Top 10% from
- 1.52%
- Banks, typical
- 0.04%
- Credit unions, typical
- 1.28%
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Providence, RI-MA metro
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Ranked across their CDs, savings, auto loans and credit cards. How scores work
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