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BankNewport Rates & Review November 2026

Q: What are the current interest rates at BankNewport?

Current rates for BankNewport include: 12-Month CD: 4.25%, 18-Month CD: 4.25%, 24-Month CD: 4.25%, Savings: 1.75%, MMA: 1.75%

Q: What CD terms does BankNewport offer?

BankNewport CD rates are 4.50% APY for a 12 month CD, 4.50% APY for an 18 month CD and 4.50% APY for a 2 year CD, verified by MonitorBankRates as of November 7, 2026. The institution may offer other terms or specials that are not listed here, so check with BankNewport for its full lineup.

Q: How many branches does BankNewport operate?

BankNewport currently maintains approximately 20 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 7, 2026

BankNewport's Personal CD - 12-Month New Money Only rates are at 4.50%, Personal CD - 18-Month New Money Only rates are at 4.50%, Personal CD - 24-Month New Money Only rates are at 4.50%, Personal CD Limited Time Offer - 12-Month New Money Only rates are at 4.50%, Personal CD Limited Time Offer - 18-Month New Money Only rates are at 4.50%. BankNewport's savings rates are at 1.75%. BankNewport's money market rates are at 1.75%. BankNewport's checking rates are as high as 0.05%. BankNewport's Conventional Fixed-Rate Mortgage rates are at 6.125%, 30-Year Fixed-Rate Mortgage rates are at 7.098%, Fixed-Rate FHA Mortgage - 30 Year rates are at 6.375%. BankNewport's top CD rate of 4.50% APY on a 12 month CD is 48% higher than the MonitorBankRates national average of 3.03% APY for that term, and it has an A health rating. MonitorBankRates evaluates the financial stability of BankNewport with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.77%. Rates last updated and verified on 11/07/2026.

BankNewport money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at BankNewport? Share your experience about BankNewport by leaving a review below, or read customer reviews before you decide to use BankNewport.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.77%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

BankNewport

184 John Clarke Rd
Middletown, RI 02842

https://www.banknewport.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

BankNewport CD Rates

Product	Rate	APY	Term	Min. Deposit
12-Month Personal CD - New Money Special	-	4.50%	12 months	$1,000
Min Deposit $1,000 Details New money only (funds on deposit with BankNewport less than 30 days); BankNewport personal checking account required for CD specials; early withdrawal penalty; offer may be withdrawn at any time Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
18-Month Personal CD - New Money Special	-	4.50%	18 months	$1,000
Min Deposit $1,000 Details New money only (funds on deposit with BankNewport less than 30 days); BankNewport personal checking account required for CD specials; early withdrawal penalty; offer may be withdrawn at any time Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
18-Month CD Special	-	4.50%	18 months	$1,000
Min Deposit $1,000 Details New money only (funds on deposit with BankNewport less than 30 days); BankNewport personal checking account required for CD/IRA specials; penalty for early withdrawal; APY accurate as of November 5, 2026 Last Updated 11/07/2026 Rate History 1 change since Sep 24, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25% Oct 3, 20264.50%▲ from 4.25% Sep 24, 20264.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
24-Month Personal CD - New Money Special	-	4.50%	24 months	$1,000
Min Deposit $1,000 Details New money only (funds on deposit with BankNewport less than 30 days); BankNewport personal checking account required for CD specials; early withdrawal penalty; offer may be withdrawn at any time Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
24-Month CD Special	-	4.50%	24 months	$1,000
Min Deposit $1,000 Details New money only (funds on deposit with BankNewport less than 30 days); BankNewport personal checking account required for CD/IRA specials; penalty for early withdrawal; APY accurate as of November 5, 2026 Last Updated 11/07/2026 Rate History No change since Oct 3, 2026 · 4.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Personal CD - 12-Month New Money Only	-	4.50%	12 Month	$1,000
Min Deposit $1,000 Details Limited Time Offer; New Money Only (funds on deposit with BankNewport less than 30 days); requires BankNewport personal checking account; early withdrawal penalty applies; offer may be withdrawn at any time Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Personal CD - 18-Month New Money Only	-	4.50%	18 Month	$1,000
Min Deposit $1,000 Details Limited Time Offer; New Money Only (funds on deposit with BankNewport less than 30 days); requires BankNewport personal checking account; early withdrawal penalty applies; offer may be withdrawn at any time Last Updated 11/07/2026 Rate History No change since Oct 15, 2026 · 4.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Personal CD - 24-Month New Money Only	-	4.50%	24 Month	$1,000
Min Deposit $1,000 Details Limited Time Offer; New Money Only (funds on deposit with BankNewport less than 30 days); requires BankNewport personal checking account; early withdrawal penalty applies; offer may be withdrawn at any time Last Updated 11/07/2026 Rate History No change since Oct 15, 2026 · 4.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Personal CD Limited Time Offer - 12-Month New Money Only	-	4.50%	12 Month	$1,000
Min Deposit $1,000 Details New Money Only; funds on deposit with BankNewport less than 30 days; BankNewport personal checking account required for CD specials; offer may be withdrawn at any time; early withdrawal penalty applies Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Personal CD Limited Time Offer - 18-Month New Money Only	-	4.50%	18 Month	$1,000
Min Deposit $1,000 Details New Money Only; funds on deposit with BankNewport less than 30 days; BankNewport personal checking account required for CD specials; offer may be withdrawn at any time; early withdrawal penalty applies Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 4.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Personal CD Limited Time Offer - 24-Month New Money Only	-	4.50%	24 Month	$1,000
Min Deposit $1,000 Details New Money Only; funds on deposit with BankNewport less than 30 days; BankNewport personal checking account required for CD specials; offer may be withdrawn at any time; early withdrawal penalty applies Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 4.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Personal CDs - 12, 24, or 18-Month New Money	-	4.50%	12, 24, or 18 month	$1,000
Min Deposit $1,000 Details New money only (funds on deposit with BankNewport less than 30 days); BankNewport personal checking account required for CD specials; Offer may be withdrawn at any time Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Personal IRA - 12, 24, or 18-Month New Money	-	4.50%	12, 24, or 18 month	$1,000
Min Deposit $1,000 Details New money only (funds on deposit with BankNewport less than 30 days); BankNewport personal checking account required for IRA specials; Offer may be withdrawn at any time; Apply in Branch Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Personal IRA Special - 12-Month New Money	-	4.50%	12 months	$1,000
Min Deposit $1,000 Details New money only (funds on deposit with BankNewport less than 30 days); requires a BankNewport personal checking account for IRA specials; early withdrawal penalty and possible IRS penalties apply; offer may be withdrawn at any time Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Personal IRA Special - 18-Month New Money	-	4.50%	18 months	$1,000
Min Deposit $1,000 Details New money only (funds on deposit with BankNewport less than 30 days); requires a BankNewport personal checking account for IRA specials; early withdrawal penalty and possible IRS penalties apply; offer may be withdrawn at any time Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Personal IRA Special - 24-Month New Money	-	4.50%	24 months	$1,000
Min Deposit $1,000 Details New money only (funds on deposit with BankNewport less than 30 days); requires a BankNewport personal checking account for IRA specials; early withdrawal penalty and possible IRS penalties apply; offer may be withdrawn at any time Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
12-Month Personal CD - Existing Money Special	-	4.25%	12 months	$1,000
Min Deposit $1,000 Details Existing money; early withdrawal penalty; offer can be withdrawn at any time Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
18-Month CDs	-	4.25%	18 months	$1,000
Min Deposit $1,000 Details Minimum to open a Certificate of Deposit is $1,000. A penalty will be imposed for early withdrawal during the term of the CD. Last Updated 11/07/2026 Rate History No change since Oct 14, 2026 · 4.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
18-Month IRA CD	-	4.25%	18 months	-
Details IRAs table Last Updated 11/07/2026 Rate History 1 change since Sep 20, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50% Sep 24, 20264.25%▲ from 3.50% Sep 20, 20263.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
18-Month Personal CD - Existing Money Special	-	4.25%	18 months	$1,000
Min Deposit $1,000 Details Existing money; early withdrawal penalty; offer can be withdrawn at any time Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
18-Month Premium Gold CD	-	4.25%	18 months	$1,000
Min Deposit $1,000 Details Requires a BN Premium Checking Account at account opening; penalty for early withdrawal; APY accurate as of October 22, 2026 Last Updated 11/07/2026 Rate History 1 change since Sep 20, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50% Oct 8, 20264.25%▲ from 3.50% Sep 20, 20263.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
24-Month CDs	-	4.25%	24 months	$1,000
Min Deposit $1,000 Details Minimum to open a Certificate of Deposit is $1,000. A penalty will be imposed for early withdrawal during the term of the CD. Last Updated 11/07/2026 Rate History 1 change since Sep 24, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50% Oct 14, 20264.25%▲ from 3.50% Sep 24, 20263.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
24-Month IRA CD	-	4.25%	24 months	-
Details IRAs table Last Updated 11/07/2026 Rate History 1 change since Sep 20, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50% Oct 3, 20264.25%▲ from 3.50% Sep 20, 20263.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
24-Month Personal CD - Existing Money Special	-	4.25%	24 months	$1,000
Min Deposit $1,000 Details Existing money; early withdrawal penalty; offer can be withdrawn at any time Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
24-Month Premium Gold CD	-	4.25%	24 months	$1,000
Min Deposit $1,000 Details Requires a BN Premium Checking Account at account opening; penalty for early withdrawal; APY accurate as of October 22, 2026 Last Updated 11/07/2026 Rate History 1 change since Sep 20, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50% Oct 8, 20264.25%▲ from 3.50% Sep 20, 20263.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Personal CD - 12-Month	-	4.25%	12 Month	$1,000
Min Deposit $1,000 Details Limited Time Offer; with existing money; early withdrawal penalty applies; offer can be withdrawn at any time Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Personal CD - 18-Month	-	4.25%	18 Month	$1,000
Min Deposit $1,000 Details Limited Time Offer; with existing money; early withdrawal penalty applies; offer can be withdrawn at any time Last Updated 11/07/2026 Rate History 1 change since Oct 23, 2026 · 4.50% → 4.25% ▼ 0.25 pts · high 4.50% / low 4.25% Nov 7, 20264.25%▼ from 4.50% Oct 23, 20264.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Personal CD - 24-Month	-	4.25%	24 Month	$1,000
Min Deposit $1,000 Details Limited Time Offer; with existing money; early withdrawal penalty applies; offer can be withdrawn at any time Last Updated 11/07/2026 Rate History 1 change since Oct 23, 2026 · 4.50% → 4.25% ▼ 0.25 pts · high 4.50% / low 4.25% Nov 7, 20264.25%▼ from 4.50% Oct 23, 20264.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Personal CD Limited Time Offer - 12-Month	-	4.25%	12 Month	$1,000
Min Deposit $1,000 Details Existing money; offer can be withdrawn at any time; early withdrawal penalty applies Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Personal CD Limited Time Offer - 18-Month	-	4.25%	18 Month	$1,000
Min Deposit $1,000 Details Existing money; offer can be withdrawn at any time; early withdrawal penalty applies Last Updated 11/07/2026 Rate History No change since Oct 15, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Personal CD Limited Time Offer - 24-Month	-	4.25%	24 Month	$1,000
Min Deposit $1,000 Details Existing money; offer can be withdrawn at any time; early withdrawal penalty applies Last Updated 11/07/2026 Rate History No change since Oct 15, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Personal CDs - 12, 24, or 18-Month Existing Money	-	4.25%	12, 24, or 18 month	$1,000
Min Deposit $1,000 Details Existing money; Offer can be withdrawn at any time Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Personal IRA - 12, 24, or 18-Month Existing Money	-	4.25%	12, 24, or 18 month	$1,000
Min Deposit $1,000 Details Existing money; Offer can be withdrawn at any time; Apply in Branch Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Personal IRA Special - 12-Month Existing Money	-	4.25%	12 months	$1,000
Min Deposit $1,000 Details Existing money; early withdrawal penalty and possible IRS penalties apply; offer can be withdrawn at any time Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Personal IRA Special - 18-Month Existing Money	-	4.25%	18 months	$1,000
Min Deposit $1,000 Details Existing money; early withdrawal penalty and possible IRS penalties apply; offer can be withdrawn at any time Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Personal IRA Special - 24-Month Existing Money	-	4.25%	24 months	$1,000
Min Deposit $1,000 Details Existing money; early withdrawal penalty and possible IRS penalties apply; offer can be withdrawn at any time Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Premium Gold CDs - 18-month	-	4.25%	18 months	$1,000
Min Deposit $1,000 Details Requires a BN Premium Checking Account at time of account opening; Minimum to open a Certificate of Deposit is $1,000; early withdrawal penalty applies Last Updated 11/07/2026 Rate History 1 change since Sep 20, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50% Oct 3, 20264.25%▲ from 3.50% Sep 20, 20263.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Premium Gold CDs - 24-month	-	4.25%	24 months	$1,000
Min Deposit $1,000 Details Requires a BN Premium Checking Account at time of account opening; Minimum to open a Certificate of Deposit is $1,000; early withdrawal penalty applies Last Updated 11/07/2026 Rate History 1 change since Sep 20, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50% Oct 3, 20264.25%▲ from 3.50% Sep 20, 20263.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Premium Gold IRA - 18-month	-	4.25%	18 months	-
Details Rate from the table captioned Premium Gold IRA. The $1,000 minimum and checking requirement are stated only for Premium Gold CDs. Last Updated 11/07/2026 Rate History 1 change since Sep 20, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50% Oct 3, 20264.25%▲ from 3.50% Sep 20, 20263.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Premium Gold IRA - 24-month	-	4.25%	24 months	-
Details Rate from the table captioned Premium Gold IRA. The $1,000 minimum and checking requirement are stated only for Premium Gold CDs. Last Updated 11/07/2026 Rate History 1 change since Sep 20, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50% Oct 3, 20264.25%▲ from 3.50% Sep 20, 20263.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
7-Month Personal CD - Existing Money Special	-	4.00%	7 months	$1,000
Min Deposit $1,000 Details Existing money; early withdrawal penalty; offer can be withdrawn at any time Last Updated 11/07/2026 Rate History 1 change since Oct 15, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75% Nov 7, 20264.00%▲ from 3.75% Oct 15, 20263.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Personal CD - 7-Month	-	4.00%	7 Month	$1,000
Min Deposit $1,000 Details Limited Time Offer; with existing money; early withdrawal penalty applies; offer can be withdrawn at any time Last Updated 11/07/2026 Rate History 1 change since Oct 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75% Nov 7, 20264.00%▲ from 3.75% Oct 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Personal CD Limited Time Offer - 7-Month	-	4.00%	7 Month	$1,000
Min Deposit $1,000 Details Existing money; offer can be withdrawn at any time; early withdrawal penalty applies Last Updated 11/07/2026 Rate History 1 change since Oct 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75% Nov 7, 20264.00%▲ from 3.75% Oct 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Personal CDs - 7-Month Existing Money	-	4.00%	7 month	$1,000
Min Deposit $1,000 Details Existing money; Offer can be withdrawn at any time Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Personal IRA - 7-Month Existing Money	-	4.00%	7 month	$1,000
Min Deposit $1,000 Details Existing money; Offer can be withdrawn at any time; Apply in Branch Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Personal IRA Special - 7-Month Existing Money	-	4.00%	7 months	$1,000
Min Deposit $1,000 Details Existing money; early withdrawal penalty and possible IRS penalties apply; offer can be withdrawn at any time Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
6-Month CDs	-	3.00%	6 months	$1,000
Min Deposit $1,000 Details Minimum to open a Certificate of Deposit is $1,000. A penalty will be imposed for early withdrawal during the term of the CD. Last Updated 11/07/2026 Rate History No change since Sep 24, 2026 · 3.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
6-Month IRA CD	-	3.00%	6 months	-
Details IRAs table Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 3.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
6-Month Personal CD	-	3.00%	6 months	$1,000
Min Deposit $1,000 Details Minimum to open a Certificate of Deposit is $1,000. A penalty will be imposed for early withdrawal during the term of the CD. Last Updated 11/07/2026 Rate History No change since Oct 23, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
6-Month Premium Gold CD	-	3.00%	6 months	$1,000
Min Deposit $1,000 Details Requires a BN Premium Checking Account at account opening; penalty for early withdrawal; APY accurate as of October 22, 2026 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 3.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Premium Gold CDs - 6-month	-	3.00%	6 months	$1,000
Min Deposit $1,000 Details Requires a BN Premium Checking Account at time of account opening; Minimum to open a Certificate of Deposit is $1,000; early withdrawal penalty applies Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 3.00% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Premium Gold IRA - 6-month	-	3.00%	6 months	-
Details Rate from the table captioned Premium Gold IRA. The $1,000 minimum and checking requirement are stated only for Premium Gold CDs. Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 3.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%

BankNewport Savings Rates

Product	Rate	APY
Money Market Savings	-	0.20%
Min Deposit $2,500 Min Balance $75,000 Details Tier 5; Balance: $75,000.00 and over Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.20% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Money Market Savings	-	0.15%
Min Deposit $2,500 Min Balance $50,000 Details Tier 4; Balance: $50,000.00 - $74,999.99 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.15% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Money Market Savings	-	0.10%
Min Deposit $2,500 Min Balance $25,000 Details Tier 3; Balance: $25,000.00 - $49,999.99 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
IRA Statement Savings	-	0.05%
Min Deposit $100 Min Balance $100 Details Minimum Daily Balance to Earn APY: $100.00; APY accurate as of October 22, 2026 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Money Market Savings	-	0.05%
Min Deposit $2,500 Min Balance $10,000 Details Tier 2; Balance: $10,000.00 - $24,999.99 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Statement Savings	-	0.05%
Min Deposit $100 Min Balance $100 Details Tier 1; Balance: $100.00 - $2,499.99 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.05% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Statement Savings	-	0.05%
Min Deposit $100 Min Balance $2,500 Details Tier 2; Balance: $2,500.00+ Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.05% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Money Market Savings	-	0.02%
Min Deposit $2,500 Min Balance $2,500 Details Tier 1; Balance: $2,500.00 - $9,999.99 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.02% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%

BankNewport Business Savings Rates

Product	Rate	APY
Business Select Plus Money Market Savings	-	1.75%
Min Deposit $2,500 Min Balance $500,000 Details Balance: $500,000.00+; Tier 5 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 1.75% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Select Plus Money Market Savings	-	0.50%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99; Tier 4 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.50% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Money Market Savings	-	0.20%
Min Deposit $2,500 Min Balance $75,000 Details Tier 5; Balance: $75,000.00+ Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.20% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Select Plus Money Market Savings	-	0.20%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99; Tier 3 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.20% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Money Market Savings	-	0.15%
Min Deposit $2,500 Min Balance $50,000 Details Tier 4; Balance: $50,000.00 - $74,999.99 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.15% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Select Plus Money Market Savings	-	0.15%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Tier 2 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.15% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Money Market Savings	-	0.10%
Min Deposit $2,500 Min Balance $25,000 Details Tier 3; Balance: $25,000.00 - $49,999.99 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Select Plus Money Market Savings	-	0.10%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000.00 - $49,999.99; Tier 1 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Money Market Savings	-	0.05%
Min Deposit $2,500 Min Balance $10,000 Details Tier 2; Balance: $10,000.00 - $24,999.99 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.05% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Statement Savings	-	0.05%
Min Deposit $100 Min Balance $100 Details Balance: $100.00 - $2,499.99 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Statement Savings	-	0.05%
Min Deposit $100 Min Balance $2,500 Details Balance: $2,500.00+ Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Money Market Savings	-	0.02%
Min Deposit $2,500 Min Balance $2,500 Details Tier 1; Balance: $2,500.00 - $9,999.99 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.02% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%

BankNewport Money Market Rates

Product	Rate	APY
Premium Money Market	-	1.75%
Min Deposit $2,500 Min Balance $250,000 Details Tier 4; Balance: $250,000.00 and over Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 1.75% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Premium Money Market	-	0.50%
Min Deposit $2,500 Min Balance $75,000 Details Tier 3; Balance: $75,000.00 - $249,999.99 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.50% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Money Market Savings	-	0.20%
Min Deposit $2,500 Min Balance $75,000 Details Tier 5; Balance: $75,000.00 and over Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.20% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Money Market Savings	-	0.15%
Min Deposit $2,500 Min Balance $50,000 Details Tier 4; Balance: $50,000.00 - $74,999.99 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.15% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Premium Money Market	-	0.15%
Min Deposit $2,500 Min Balance $25,000 Details Tier 2; Balance: $25,000.00 - $74,999.99 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.15% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Money Market Savings	-	0.10%
Min Deposit $2,500 Min Balance $25,000 Details Tier 3; Balance: $25,000.00 - $49,999.99 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Money Market Savings	-	0.05%
Min Deposit $2,500 Min Balance $10,000 Details Tier 2; Balance: $10,000.00 - $24,999.99 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Premium Money Market	-	0.05%
Min Deposit $2,500 Min Balance $2,500 Details Tier 1; Balance: $2,500.00 - $24,999.99 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.05% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Money Market Savings	-	0.02%
Min Deposit $2,500 Min Balance $2,500 Details Tier 1; Balance: $2,500.00 - $9,999.99 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.02% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%

BankNewport Business Money Market Rates

Product	Rate	APY
Business Select Plus Money Market Savings	-	1.75%
Min Deposit $2,500 Min Balance $500,000 Details Balance: $500,000.00+; Tier 5 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 1.75% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Select Plus Money Market Savings	-	0.50%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99; Tier 4 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.50% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Money Market Savings	-	0.20%
Min Deposit $2,500 Min Balance $75,000 Details Tier 5; Balance: $75,000.00+ Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.20% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Select Plus Money Market Savings	-	0.20%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99; Tier 3 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.20% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Money Market Savings	-	0.15%
Min Deposit $2,500 Min Balance $50,000 Details Tier 4; Balance: $50,000.00 - $74,999.99 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.15% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Select Plus Money Market Savings	-	0.15%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99; Tier 2 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.15% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Money Market Savings	-	0.10%
Min Deposit $2,500 Min Balance $25,000 Details Tier 3; Balance: $25,000.00 - $49,999.99 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.10% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Select Plus Money Market Savings	-	0.10%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000.00 - $49,999.99; Tier 1 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Money Market Savings	-	0.05%
Min Deposit $2,500 Min Balance $10,000 Details Tier 2; Balance: $10,000.00 - $24,999.99 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.05% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Money Market Savings	-	0.02%
Min Deposit $2,500 Min Balance $2,500 Details Tier 1; Balance: $2,500.00 - $9,999.99 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.02% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%

BankNewport Checking Rates

Product	Rate	APY	View More
BN Premium Checking	-	0.05%
Min Deposit $25 Min Balance $2,000 Details Minimum daily balance to earn APY: $2,000.00; Minimum deposit to open: $25.00 Last Updated 11/07/2026 Rate History No change since Sep 20, 2026 · 0.05% APY · checked 12 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%

BankNewport Mortgage Rates

Product	Rate	Points	APR	Term
Conventional Fixed-Rate Mortgage	6.125%	1.125	6.463%	15 Year
Details Maximum Loan Amount: $832,750.00 Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 6.46% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Conventional Fixed-Rate Mortgage	6.25%	0.500	6.488%	15 Year
Details Maximum Loan Amount: $832,750.00 Last Updated 11/07/2026 Rate History 2 changes since Sep 24, 2026 · 6.87% → 6.49% ▼ 0.38 pts · high 6.99% / low 6.49% Nov 7, 20266.49%▼ from 6.99% Oct 8, 20266.99%▲ from 6.87% Sep 24, 20266.87%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Conventional Fixed-Rate Mortgage	6.50%	0.000	6.659%	15 Year
Details Maximum Loan Amount: $832,750.00 Last Updated 11/07/2026 Rate History 2 changes since Sep 24, 2026 · 6.91% → 6.66% ▼ 0.25 pts · high 7.04% / low 6.66% Nov 7, 20266.66%▼ from 7.04% Oct 8, 20267.04%▲ from 6.91% Sep 24, 20266.91%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Conventional Fixed-Rate Mortgage	6.50%	0.875	6.738%	20 Year
Details Maximum Loan Amount: $832,750.00 Last Updated 11/07/2026 Rate History 2 changes since Oct 14, 2026 · 7.37% → 6.74% ▼ 0.63 pts · high 7.37% / low 6.74% Nov 7, 20266.74%▼ from 6.87% Oct 23, 20266.87%▼ from 7.37% Oct 14, 20267.37%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Conventional Fixed-Rate Mortgage	6.625%	0.500	6.816%	20 Year
Details Maximum Loan Amount: $832,750.00 Last Updated 11/07/2026 Rate History 2 changes since Sep 24, 2026 · 7.32% → 6.82% ▼ 0.50 pts · high 7.57% / low 6.82% Nov 7, 20266.82%▼ from 7.57% Oct 8, 20267.57%▲ from 7.32% Sep 24, 20267.32%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Conventional Fixed-Rate Mortgage	6.75%	0.750	6.921%	30 Year
Details Maximum Loan Amount: $832,750.00 Last Updated 11/07/2026 Rate History 2 changes since Sep 24, 2026 · 7.05% → 6.92% ▼ 0.13 pts · high 7.30% / low 6.92% Nov 7, 20266.92%▼ from 7.30% Oct 12, 20267.30%▲ from 7.05% Sep 24, 20267.05%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Conventional Fixed-Rate Mortgage	6.875%	0.000	7.002%	20 Year
Details Maximum Loan Amount: $832,750.00 Last Updated 11/07/2026 Rate History 2 changes since Sep 24, 2026 · 7.38% → 7.00% ▼ 0.38 pts · high 7.63% / low 7.00% Nov 7, 20267.00%▼ from 7.63% Oct 8, 20267.63%▲ from 7.38% Sep 24, 20267.38%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Conventional Fixed-Rate Mortgage	6.875%	0.500	7.022%	30 Year
Details Maximum Loan Amount: $832,750.00 Last Updated 11/07/2026 Rate History 2 changes since Sep 24, 2026 · 7.15% → 7.02% ▼ 0.13 pts · high 7.40% / low 7.02% Nov 7, 20267.02%▼ from 7.40% Oct 8, 20267.40%▲ from 7.15% Sep 24, 20267.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
30-Year Fixed-Rate Mortgage	-	-	7.098%
Details As Low As; Rates as low as 7.098% APR; See Rates; APRs based on 45 day Rate Lock, 25% down payment, 760+ credit score; available in Rhode Island, Southeastern Massachusetts or Eastern Connecticut Last Updated 11/07/2026 Rate History 1 change since Oct 23, 2026 · 7.13% → 7.10% ▼ 0.03 pts · high 7.13% / low 7.10% Nov 7, 20267.10%▼ from 7.13% Oct 23, 20267.13%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Conventional Fixed-Rate Mortgage	7.00%	0.000	7.098%	30 Year
Details Maximum Loan Amount: $832,750.00 Last Updated 11/07/2026 Rate History 3 changes since Sep 24, 2026 · 7.22% → 7.10% ▼ 0.13 pts · high 7.60% / low 7.10% Nov 7, 20267.10%▼ from 7.48% Oct 12, 20267.48%▼ from 7.60% Oct 8, 20267.60%▲ from 7.22% Sep 24, 20267.22%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Fixed-Rate FHA Mortgage - 30 Year	6.375%	0.000	7.488%	30 Year
Details APRs based on a 45 day Rate Lock Agreement for purchase transactions only, a 25% down payment and a 760 or higher credit score Last Updated 11/07/2026 Rate History 2 changes since Oct 23, 2026 · 7.87% → 7.49% ▼ 0.38 pts · high 7.87% / low 7.49% Nov 7, 20267.49%▼ from 7.62% Oct 28, 20267.62%▼ from 7.87% Oct 23, 20267.87%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%

BankNewport Home Equity & HELOC

Product	Rate	Points	APR	Term
Fixed Rate Home Equity Loan - 10 Year	6.625%	-	6.625%	10 Year
Details Minimum loan amount $20,000; Monthly payment based on minimum loan amount $228.37; Maximum loan to value 80%; Homeowners insurance required Last Updated 11/07/2026 Rate History No change since Oct 23, 2026 · 6.63% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Fixed Rate Home Equity Loan - 15 Year	6.875%	-	6.875%	15 Year
Details Minimum loan amount $20,000; Monthly payment based on minimum loan amount $178.37; Maximum loan to value 80%; Homeowners insurance required Last Updated 11/07/2026 Rate History No change since Oct 23, 2026 · 6.88% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Home Equity Line of Credit - Standard Line of Credit (10 Year Draw / 15 Year Repayment)	-	-	7.00%
Details Minimum Loan Amount: $20,000.00; Initial Disbursement at Closing: N/A; Variable APR based on the Prime Rate as published by The Wall Street Journal; Maximum APR 21% in RI, 18% in MA, 12% in CT; Maximum loan to value 80% Last Updated 11/07/2026 Rate History No change since Oct 23, 2026 · 7.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%

BankNewport Other Rates

Product	Rate	Points	APY/APR	Term
First-Time Homebuyer Income Limit Loan Program - 30 Year	6.25%	0	6.303%	30 Year
Details Maximum household income is $92,818; Maximum Loan Amount: $736,000 1 Unit, $828,700 2 Units; Rate includes 0.125 discount with automatic payment from a BankNewport checking account Last Updated 11/07/2026 Rate History No change since Oct 23, 2026 · 6.30% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
First-Time Homebuyer Programs Loan	-	-	7.176%
Details As Low As; Rates as low as 7.176% APR; See Rates; includes lower rate income limited options; Homebuyer Education course required; available for 1-2 unit primary residence purchases in Rhode Island Last Updated 11/07/2026 Rate History 6 changes since Sep 20, 2026 · 7.25% → 7.18% ▼ 0.07 pts · high 7.75% / low 7.18% Nov 7, 20267.18%▼ from 7.30% Nov 2, 20267.30%▼ from 7.63% Oct 12, 20267.63%▼ from 7.75% Oct 1, 20267.75%▲ from 7.63% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Standard First-Time Homebuyer Program - 30 Year Loan	7.125%	0	7.176%	30 Year
Details Maximum Loan Amount: $736,000 1 Unit / $828,700 2 Units; Rate includes a 0.125 discount with an automatic payment from a BankNewport checking account, subject to terms and requirements Last Updated 11/07/2026 Rate History 6 changes since Sep 16, 2026 · 7.30% → 7.18% ▼ 0.13 pts · high 7.68% / low 7.18% Nov 7, 20267.18%▼ from 7.30% Nov 2, 20267.30%▼ from 7.43% Oct 23, 20267.43%▼ from 7.55% Oct 3, 20267.55%▼ from 7.68% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Standard First-Time Homebuyer Program Loan	7.125%	0	7.176%	30 Year
Details Maximum Loan Amount: $736,000 1 Unit / $828,700 2 Units; Rate includes 0.125 discount with an automatic payment from a BankNewport checking account, subject to terms and requirements; Rates available for single family primary residence in Rhode Island, Southeastern Massachusetts or Eastern Connecticut; 25% down payment and 760+ credit score assumed for APR Last Updated 11/07/2026 Rate History 5 changes since Sep 20, 2026 · 7.30% → 7.18% ▼ 0.13 pts · high 7.80% / low 7.18% Nov 7, 20267.18%▼ from 7.30% Nov 2, 20267.30%▼ from 7.43% Oct 23, 20267.43%▼ from 7.68% Oct 14, 20267.68%▼ from 7.80% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Personal CD - 6 months	-	-	3.00%	6 months
Min Deposit $1,000 Details Minimum to open a Certificate of Deposit is $1,000. A penalty will be imposed for early withdrawal during the term. Last Updated 11/07/2026 Rate History No change since Oct 23, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Personal IRA - Existing Money Special	-	-	4.25%	12 months
Min Deposit $1,000 Details Existing money; early withdrawal penalty; IRS penalties may apply; offer can be withdrawn at any time Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 4.25% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Personal IRA - Existing Money Special	-	-	4.00%	7 months
Min Deposit $1,000 Details Existing money; early withdrawal penalty; IRS penalties may apply; offer can be withdrawn at any time Last Updated 11/07/2026 Rate History 1 change since Oct 15, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75% Nov 7, 20264.00%▲ from 3.75% Oct 15, 20263.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Personal IRA - New Money Special	-	-	4.50%	12 months
Min Deposit $1,000 Details New money only (funds on deposit with BankNewport less than 30 days); BankNewport personal checking account required for IRA specials; early withdrawal penalty; IRS penalties may apply; offer may be withdrawn at any time Last Updated 11/07/2026 Rate History No change since Nov 7, 2026 · 4.50% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

BankNewport’s Texas Ratio rose from 3.03% in Q3 2023 to 7.77% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$3.1B	7.77%	5.0	A
March 31, 2026	$3.1B	5.99%	5.0	A+
December 31, 2025	$3.0B	4.48%	5.0	A+
September 30, 2025	$3.0B	7.45%	5.0	A
June 30, 2025	$3.0B	6.62%	5.0	A
March 31, 2025	$2.9B	6.94%	5.0	A
December 31, 2024	$2.8B	6.74%	5.0	A
September 30, 2024	$2.8B	1.92%	5.0	A+
June 30, 2024	$2.8B	1.50%	5.0	A+
March 31, 2024	$2.7B	4.95%	5.0	A+
December 31, 2023	$2.7B	4.37%	5.0	A+
September 30, 2023	$2.6B	3.03%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for BankNewport is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather BankNewport rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with BankNewport's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name BankNewport

Website https://www.banknewport.com

Address 184 John Clarke Rd, Middletown, RI 02842 · Newport

Bank Holding Company OCEANPOINT FINL PARTNERS MHC

FDIC Certificate # 18129

Regulator FED

Established January 1, 1819

FDIC Insurance Date January 2, 1960

Domestic Offices 20

Total Branches 20

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

7.77%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

0.6175%

Return on Equity (ROE)

6.1800%

Non-Performing Loans Ratio (NPL)

0.77%

Total Assets

$3,067,450,000

Total Deposits

$2,445,015,000

Equity Capital

$304,620,000

Net Income

$9,410,000

Headquarters

Middletown

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

BankNewport earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

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       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About BankNewport

Does BankNewport offer CDs?

Yes. BankNewport current CD rates include its Personal CD - 12-Month New Money Only at 4.50% APY, its Personal CD - 18-Month New Money Only at 4.50% APY and its Personal CD - 24-Month New Money Only at 4.50% APY, verified by MonitorBankRates as of November 7, 2026.

Are CDs from BankNewport FDIC insured?

Yes. BankNewport is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at BankNewport?

The highest BankNewport CD rate is its 12-Month Personal CD - New Money Special at 4.50% APY, verified by MonitorBankRates as of November 7, 2026.

What CD terms does BankNewport offer?

BankNewport CD rates are 4.50% APY for a 12 month CD, 4.50% APY for an 18 month CD and 4.50% APY for a 2 year CD, verified by MonitorBankRates as of November 7, 2026. The institution may offer other terms or specials that are not listed here, so check with BankNewport for its full lineup.

What is the highest savings rate at BankNewport?

The highest BankNewport savings rate is its Business Statement Savings at 0.05% APY, verified by MonitorBankRates as of November 7, 2026.

What is the highest money market rate at BankNewport?

The highest BankNewport money market rate is its Business Select Plus Money Market Savings at 1.75% APY, verified by MonitorBankRates as of November 7, 2026.

What is the highest checking rate at BankNewport?

The highest BankNewport checking rate is its BN Premium Checking at 0.05% APY, verified by MonitorBankRates as of November 7, 2026.

What is the lowest 30 year fixed mortgage rate at BankNewport?

The lowest BankNewport 30 year fixed mortgage rate is its Fixed-Rate FHA Mortgage - 30 Year at 6.375%, verified by MonitorBankRates as of November 7, 2026.

How many branches does BankNewport operate?

BankNewport currently maintains approximately 20 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, BankNewport does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, BankNewport provides members with tools to manage their accounts and build a solid financial history.

Does BankNewport offer online and mobile banking?

Most modern institutions like BankNewport provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.banknewport.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do BankNewport rates compare?

BankNewport's top CD rate of 4.50% APY on a 12 month CD is 48% higher than the MonitorBankRates national average of 3.03% APY for that term, and it has an A health rating. BankNewport's top rates are its 12-Months 12-Month Personal CD - New Money Special at 4.50% APY, its Business Select Plus Money Market Savings at 1.75% APY, its Premium Money Market at 1.75% APY, its BN Premium Checking at 0.05% APY and its Conventional Fixed-Rate Mortgage at 6.125%, verified by MonitorBankRates on November 7, 2026.

Current BankNewport Rates

12-Month CD4.25%
18-Month CD4.25%
24-Month CD4.25%
Savings1.75%
MMA1.75%

Retrieved from our database of financial products. Rates subject to change.

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BankNewport Rates & Review November 2026

Brian McKay

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Frequently Asked Questions About BankNewport

Does BankNewport offer CDs?

Are CDs from BankNewport FDIC insured?

What is the highest CD rate at BankNewport?

What CD terms does BankNewport offer?

What is the highest savings rate at BankNewport?

What is the highest money market rate at BankNewport?

What is the highest checking rate at BankNewport?

What is the lowest 30 year fixed mortgage rate at BankNewport?

How many branches does BankNewport operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does BankNewport offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do BankNewport rates compare?

Current BankNewport Rates

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