Compare Bank & Credit Union Rates
Best savings rates in Rhode Island
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 31–45 results in Rhode Island
- 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: 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 - Blackstone River FCUMoney Market Savings AccountMoney Market Savings Account
Credit union · 3 branches
0.10%APY$10 a year on $10,000Requirements
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: 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 - 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 · 5 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 - 0.10%APY$10 a year on $10,000
Requirements
Product: Compounding quarterly. Rates are subject to change without notice and may change monthly. Fees may reduce earnings on the account. Other conditions may apply.
Offer: Compounding quarterly.
0.10% interest rate · Effective Oct 14, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Assumes dividends remain on deposit for 365 days. Rates subject to change daily and may change after the account is opened.
0.10% interest rate · Effective Oct 5, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Assumes dividends remain on deposit for 365 days. Rates subject to change daily and may change after the account is opened.
0.10% interest rate · Effective Oct 5, 2026
Rate checked
More details - BayCoast BankConsumer Money MarketConsumer Money Market · $1,000 min · 0.10%–0.20% by balance
Bank · 7 branches
0.10%APY$10 a year on $10,000Requirements
Product: Rate may change after the account is opened. Interest is compounded and credited monthly. Maintenance or activity fees may reduce earnings. Monthly maintenance service charge of $5 waived if an average daily balance of $1,000 is maintained.
Offer: Tier 1. Monthly maintenance service charge of $5 waived if maintain average daily balance of $1,000.
0.10% interest rate · $5 monthly fee · Effective Sep 29, 2026
Rate by balance
Rate by balance for Consumer Money Market Balance APY $1,000 and up 0.10% $10,000 and upYour amountTier 2. 0.10% $50,000 and upTier 3. 0.15% $100,000 and upTier 4. 0.20% $250,000 and upTier 5. 0.20% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: No monthly maintenance service charge if average daily balance of $10.00 is maintained. Free 24 hour banking with Telephone Banking and Online Banking.
Offer: Interest compounded and credited monthly on balances of $10.00 or more.
0.10% interest rate · No monthly fee · Effective Sep 29, 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 Rhode Island
80 accounts at 27 banks and credit unions · checked Oct 6–22
- Typical
- 0.10%
- Top 10% from
- 2.00%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.20%
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Rhode Island
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Shoreham BankBank · 3 branches
- Coastal1 Credit UnionCredit union · 18 branches
- Ocean State Credit UnionCredit union · 6 branches