Compare Bank & Credit Union Rates
Best savings rates in Westerly, 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 Westerly, 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 - Westerly Community Credit UnionDiamond Savings AccountSavings · $25 min · 1.25%–2.75% by balance
Credit union · 2 branches
2.75%APY$275 a year on $10,000Requirements
Product: Limit (1) Diamond Savings account per member. Earn highest rate on balances less than $25,000. Interest compounded & posted monthly. Surcharge-free ATM access.
Offer: Earn highest rate on balances less than $25,000. Limit (1) Diamond Savings account per member.
2.72% interest rate · No monthly fee · Effective Oct 14, 2026
Rate by balance
Rate by balance for Diamond Savings Account Balance APY Up to $25,000Your amount 2.75% $25,000 and up 1.25% 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 - 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 - Westerly Community Credit UnionAdvantage Money Market AccountAdvantage Money Market Account · $100 min · 1.00%–3.05% by balance
Credit union · 2 branches
1.00%APY$100 a year on $10,000with conditionsRequirements
Product: A minimum balance of $100 and an active eChecking account is required. If requirements not met, the lowest tier rate published on that day will apply. Interest is compounded monthly and credited to your account monthly.
Offer: Requires an active eChecking account and minimum balance of $100. If requirements not met, the lowest tier rate published on that day will apply.
Qualified rate · 0.99% interest rate · Compounded monthly · No monthly fee · Effective Oct 15, 2026
Rate by balance
Rate by balance for Advantage Money Market Account Balance APY $100 – $20,000Your amount 1.00% $20,000 – $50,000Requires an active eChecking account. 1.40% $50,000 – $100,000Requires an active eChecking account. 2.50% $100,000 – $250,000Requires an active eChecking account. 2.80% $250,000 and upRequires an active eChecking account. 3.05% Rate checked
More details - Dime BankDeposit Accelerator Money MarketDeposit Accelerator Money Market · $5,000 min · 0.20%–3.50% by balance
Bank · 1 branch
1.00%APY$100 a year on $10,000with conditionsRequirements
Product: Rate lock through December 31, 2026; APY may change after promotional lock period. Requires new funds not currently on deposit (maximum $1,000,000). Requires opening or maintaining a Dime Bank checking account with at least $2,000 at account opening. One account per TIN. $25 monthly maintenance fee waived if monthly average balance is at least $5,000.
Offer: Tier 1. Rate lock through December 31, 2026. Requires new funds and a Dime Bank checking account with at least $2,000 at account opening. $25 monthly fee waived if monthly average balance is $5,000 or more.
Qualified rate · $25 monthly fee · Effective Sep 8, 2026
Rate by balance
Rate by balance for Deposit Accelerator Money Market Balance APY Up to $10,000 0.20% $10,000 – $25,000Your amountTier 2. 1.00% $25,000 – $100,000Tier 3. 2.50% $100,000 – $250,000Tier 4. 3.25% $250,000 and upTier 5. 3.50% 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 - Westerly Community Credit UnionRewards Savings AccountSavings · $5 min · 0.10%–0.15% by balance
Credit union · 2 branches
0.10%APY$10 a year on $10,000with conditionsRequirements
Product: Rate based on total balances under Primary Owner's number across savings and loans (excluding 1st Mortgages). Interest is compounded & posted monthly based on total balances shown on last business day of the month.
Offer: Rate based on total balances under Primary Owner's number across savings and loans (excluding 1st Mortgages).
Qualified rate · 0.10% interest rate · No monthly fee · Effective Oct 14, 2026
Rate by balance
Rate by balance for Rewards Savings Account Balance APY Up to $10,000 0.10% $10,000 – $50,000Your amount 0.10% $50,000 – $100,000 0.10% $100,000 – $200,000 0.10% $200,000 and up 0.15% Rate checked
More details - Washington TrustFreedom Statement SavingsSavings · $25 min · 0.00%–0.05% by balance
Bank · 3 branches
0.05%APY$5 a year on $10,000Requirements
Product: Minimum balance of $300.00 average collected daily balance required to avoid monthly service charge of $3.00. No fee assessed if Tax Reported Owner is under age 21 or age 62 and older.
Offer: Monthly fee of $3.00 waived with $300 average collected daily balance or if owner is under 21 or 62+.
0.00% interest rate · $3 monthly fee · Effective Jul 13, 2026
Rate by balance
Rate by balance for Freedom Statement Savings Balance APY Up to $2,500 0.00% $2,500 – $25,000Your amount 0.05% $25,000 – $50,000 0.05% $50,000 – $250,000 0.05% $250,000 – $1,000,000 0.05% $1,000,000 and up 0.05% Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Compounded & posted monthly. Free eBanking, eStatements, and surcharge-free ATM access.
0.05% interest rate · No monthly fee · Effective Oct 14, 2026
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 - 0.03%APY$3 a year on $10,000
Requirements
Product: Variable rate account; interest may change at bank discretion after opening. Monthly maintenance fee waived with a minimum daily balance of $200. Minimum daily balance of $20 required to earn interest. Includes ATM/debit card access and digital banking tools.
0.03% interest rate · Effective Sep 9, 2026
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
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 Westerly, RI
20 accounts at 8 banks and credit unions · checked Oct 3–22
- Typical
- 0.05%
- Top 10% from
- 2.48%
- Banks, typical
- 0.03%
- Credit unions, typical
- 0.55%
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Providence, RI-MA metro
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