What are the current interest rates at BankNewport?

Current rates for BankNewport include: 12-Month CD: 3.75%, 18-Month CD: 3.50%, 24-Month CD: 3.50%, Savings: 0.02%, MMA: 0.05%

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BankNewport Rates & Review September 2026

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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 20, 2026

BankNewport's 15-Month Certificate rates are at 4.00%, 15-Month 15-Month CD Special rates are at 4.00%, Limited Time Offers - 15-Month rates are at 4.00%, 12-Month Certificate rates are at 3.75%, 12-Month 12-Month CD Special rates are at 3.75%. BankNewport's savings rates are at 0.02%. BankNewport's money market rates are at 0.05%. BankNewport's Business Conventional Fixed-Rate Mortgages rates are at 6.25%, Conventional Fixed-Rate Mortgages - 15 Year rates are at 6.25%, Business Conventional Fixed-Rate Mortgages rates are at 6.38%, Conventional Fixed-Rate Mortgages - 15 Year rates are at 6.38%, Business Conventional Fixed-Rate Mortgages rates are at 6.50%. 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 09/20/2026.

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

Worsening 12 quarters

Full history ›

BankNewport

184 John Clarke Rd
Middletown, RI 02842

https://www.banknewport.com

BankNewport CD Rates

Product	Rate	APY	Term
15 Month Certificate	-	4.00%	15 Month
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
15-Month CD Special	-	4.00%	15 Month
Min Deposit $1,000 Details New Money, the entire opening deposit must be money that has not been on deposit with BankNewport. A penalty will be imposed for early withdrawal during the term. For IRA accounts, additional IRS penalties may apply. Consult your tax advisor. Offer can be withdrawn at any time. A checking account is required to open this CD/IRA. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Limited Time Offers - 15 Month	-	4.00%	15 Month
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
12 Month Certificate	-	3.75%	12 Month
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
12-Month CD Special	-	3.75%	12 Month
Min Deposit $1,000 Details A penalty will be imposed for early withdrawal during the term. Consult your tax advisor. Offer can be withdrawn at any time. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
7 Month Certificate	-	3.75%	7 Month
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Limited Time Offers - 12 Month	-	3.75%	12 Month
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Limited Time Offers - 7 Month	-	3.75%	7 Month
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
18 Month CD	-	3.50%	18 months
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
18 Month IRA Certificate	-	3.50%	18 months
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
18 Month Premium Gold CD	-	3.50%	18 months
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
24 Month CD	-	3.50%	24 months
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
24 Month IRA Certificate	-	3.50%	24 months
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
24 Month Premium Gold CD	-	3.50%	24 months
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Premium Gold CDs - 18 month	-	3.50%	18 months
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Premium Gold CDs - 24 month	-	3.50%	24 months
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
6 Month CD	-	3.00%	6 months
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
6 Month IRA Certificate	-	3.00%	6 months
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
6 Month Premium Gold CD	-	3.00%	6 months
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Premium Gold CDs - 6 month	-	3.00%	6 months
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%

BankNewport 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+ Last Updated 09/20/2026 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 Last Updated 09/20/2026 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 Balance: $75,000.00+ Last Updated 09/20/2026 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 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Statement Savings	-	0.20%
Min Deposit $2,500 Min Balance $75,000 Details Balance: $75,000.00+ Last Updated 09/20/2026 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 Balance: $75,000.00+ Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Statement Savings	-	0.20%
Min Deposit $2,500 Min Balance $75,000 Details Balance: $75,000.00+ Last Updated 09/20/2026 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 Balance: $50,000.00 - $74,999.99 Last Updated 09/20/2026 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 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Statement Savings	-	0.15%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000.00 - $74,999.99 Last Updated 09/20/2026 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 Balance: $50,000.00 - $74,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Statement Savings	-	0.15%
Min Deposit $2,500 Min Balance $50,000 Details Balance: $50,000.00 - $74,999.99 Last Updated 09/20/2026 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 Balance: $25,000.00 - $49,999.99 Last Updated 09/20/2026 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 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Statement Savings	-	0.10%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 09/20/2026 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 Balance: $25,000.00 - $49,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Statement Savings	-	0.10%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business IRA Statement Savings	-	0.05%
Min Deposit $100 Min Balance $100 Last Updated 09/20/2026 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 Balance: $10,000.00 - $24,999.99 Last Updated 09/20/2026 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 09/20/2026 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 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Statement Savings	-	0.05%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
IRA Statement Savings	-	0.05%
Min Deposit $100 Min Balance $100 Last Updated 09/20/2026 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 Balance: $10,000.00 - $24,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Statement Savings	-	0.05%
Min Deposit $100 Min Balance $100 Details Balance: $100.00 - $2,499.99 Last Updated 09/20/2026 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 Balance: $2,500.00+ Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Statement Savings	-	0.05%
Min Deposit $2,500 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 09/20/2026 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 Balance: $2,500.00 - $9,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Statement Savings	-	0.02%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500.00 - $9,999.99 Last Updated 09/20/2026 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 Balance: $2,500.00 - $9,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Statement Savings	-	0.02%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500.00 - $9,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%

BankNewport Money Market Rates

Product	Rate	APY
Business Premium Money Market	-	1.75%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000.00+ Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Select Plus Money Market Savings	-	1.75%
Min Deposit $2,500 Min Balance $500,000 Details Balance: $500,000.00+ Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Premium Money Market	-	1.75%
Min Deposit $2,500 Min Balance $250,000 Details Balance: $250,000.00+ Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Premium Money Market	-	0.50%
Min Deposit $2,500 Min Balance $75,000 Details Balance: $75,000.00 - $249,999.99 Last Updated 09/20/2026 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 Last Updated 09/20/2026 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 Balance: $75,000.00 - $249,999.99 Last Updated 09/20/2026 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 Balance: $75,000.00+ Last Updated 09/20/2026 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 Last Updated 09/20/2026 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 Balance: $75,000.00+ Last Updated 09/20/2026 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 Balance: $50,000.00 - $74,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Premium Money Market	-	0.15%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000.00 - $74,999.99 Last Updated 09/20/2026 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 Last Updated 09/20/2026 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 Balance: $50,000.00 - $74,999.99 Last Updated 09/20/2026 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 Balance: $25,000.00 - $74,999.99 Last Updated 09/20/2026 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 Balance: $25,000.00 - $49,999.99 Last Updated 09/20/2026 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 Last Updated 09/20/2026 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 Balance: $25,000.00 - $49,999.99 Last Updated 09/20/2026 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 Balance: $10,000.00 - $24,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Premium Money Market	-	0.05%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500.00 - $24,999.99 Last Updated 09/20/2026 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 Balance: $10,000.00 - $24,999.99 Last Updated 09/20/2026 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 Balance: $2,500.00 - $24,999.99 Last Updated 09/20/2026 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 Balance: $2,500.00 - $9,999.99 Last Updated 09/20/2026 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 Balance: $2,500.00 - $9,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%

BankNewport Checking Rates

Product	Rate	APY
BN Premium Checking	-	0.05%
Min Deposit $25 Min Balance $2,000 Details Balance: $2,000.00 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business BN Premium Checking	-	0.05%
Min Deposit $25 Min Balance $2,000 Details Balance: $2,000.00 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%

BankNewport Mortgage Rates

Product	Rate	Points	APR	Term
Business Conventional Fixed-Rate Mortgages	6.25%	1.000	6.57%	15 Year
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Conventional Fixed-Rate Mortgages - 15 Year	6.25%	1.000	6.57%	15 Year
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Conventional Fixed-Rate Mortgages	6.38%	0.500	6.61%	15 Year
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Conventional Fixed-Rate Mortgages - 15 Year	6.38%	0.500	6.61%	15 Year
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Conventional Fixed-Rate Mortgages	6.50%	1.000	6.76%	20 Year
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Conventional Fixed-Rate Mortgages - 20 Year	6.50%	1.000	6.76%	20 Year
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Conventional Fixed-Rate Mortgages	6.63%	0.000	6.79%	15 Year
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Conventional Fixed-Rate Mortgages - 15 Year	6.63%	0.000	6.79%	15 Year
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Conventional Fixed-Rate Mortgages	6.63%	0.500	6.82%	20 Year
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Conventional Fixed-Rate Mortgages - 20 Year	6.63%	0.500	6.82%	20 Year
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Conventional Fixed-Rate Mortgages	6.63%	1.125	6.83%	30 Year
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Conventional Fixed-Rate Mortgages - 30 Year	6.63%	1.125	6.83%	30 Year
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
30-Year Fixed-Rate Mortgage	6.88%	-	6.88%	30 years
Details Rates as Low As; Rates are available for single family primary residence in Rhode Island, Southeastern Massachusetts or Eastern Connecticut. Lower down payments available. Closing costs apply. Subject to credit approval. Homeowners insurance is required. Flood insurance may be required. Other programs and terms may be available. Other terms and conditions may apply. Monthly payments do not include taxes and insurance. Your payments may be greater. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Conventional Fixed-Rate Mortgages	6.75%	0.500	6.90%	30 Year
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Conventional Fixed-Rate Mortgages - 30 Year	6.75%	0.500	6.90%	30 Year
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Conventional Fixed-Rate Mortgages	6.88%	0.000	6.97%	30 Year
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Conventional Fixed-Rate Mortgages - 30 Year	6.88%	0.000	6.97%	30 Year
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Conventional Fixed-Rate Mortgages	7.00%	0.000	7.13%	20 Year
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Conventional Fixed-Rate Mortgages - 20 Year	7.00%	0.000	7.13%	20 Year
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Fixed-Rate FHA Mortgage	6.50%	0.000	7.62%	30 Year
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Fixed-Rate FHA Mortgage	6.50%	0.000	7.62%	30 Year
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%

BankNewport Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit Special	-	-	4.99%	36 Months
Details Introductory Annual Percentage Rate for the first 36 months then variable thereafter and subject to change without notice on the first business day of each billing cycle based on the Prime Rate as published by The Wall Street Journal. Maximum loan amount $150,000. Minimum loan amount $20,000. Maximum APR is 21% in RI. $50.00 Annual Fee. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Fixed Rate Home Equity Loan	6.38%	-	6.38%	10 Year
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Fixed Rate Home Equity Loan	6.38%	-	6.38%	10 Year
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Fixed Rate Home Equity Loan	6.63%	-	6.63%	15 Year
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Fixed Rate Home Equity Loan	6.63%	-	6.63%	15 Year
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
HELOC Standard Line of Credit (10 Year Draw / 15 Year Repayment)	-	-	7.00%	10 Year
Details Term: 10 Year Draw / 15 Year Repayment Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Home Equity Line of Credit Special	-	-	7.00%	Variable
Details Introductory Annual Percentage Rate for the first 36 months then variable thereafter and subject to change without notice on the first business day of each billing cycle based on the Prime Rate as published by The Wall Street Journal. Maximum loan amount $150,000. Minimum loan amount $20,000. Maximum APR is 21% in RI. $50.00 Annual Fee. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%

BankNewport Other Rates

Product	Rate	Points	APY/APR	Term
Business First-Time Homebuyer Income Limit Loan Program	6.88%	0	6.93%	30 Year
Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Standard First-Time Homebuyer Program Loan	7.25%	0	7.30%	30 Year
Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
First-Time Homebuyer Income Limit Loan Program	6.88%	0	6.93%	30 Year
Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
First-Time Homebuyer Programs Loan	7.25%	-	7.25%
Details Rates as Low As; Rates are available for 1-2 unit primary residence purchases in Rhode Island. Closing costs apply. Subject to credit approval. Homeowners insurance is required. Flood insurance may be required. Completion of Homebuyer Education course is required to qualify. Other programs and terms may be available. Other terms and conditions may apply. Monthly payments do not include taxes and insurance. Your payments may be greater. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Standard First-Time Homebuyer Program - 30 Year Loan	7.25%	0	7.30%	30 Year
Details Maximum Loan Amount: $736,000 1 Unit $828,700 2 Units Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Standard First-Time Homebuyer Program Loan	7.25%	0	7.30%	30 Year
Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Limited Time Offers	-	-	3.75%	7 Month
Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Limited Time Offers	-	-	3.75%	12 Month
Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Business Limited Time Offers	-	-	4.00%	15 Month
Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Premium Gold IRA	-	-	3.00%	6 months
Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Premium Gold IRA	-	-	3.50%	18 months
Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.77%
Premium Gold IRA	-	-	3.50%	24 months
Last Updated 09/20/2026 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 3.06% in Q3 2023 to 7.77% in Q2 2026, so its financial health has weakened 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	1.51%	5.0	A+
March 31, 2024	$2.7B	4.96%	5.0	A+
December 31, 2023	$2.7B	4.39%	5.0	A+
September 30, 2023	$2.6B	3.06%	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

Institution Name BankNewport

Bank Holding Company OCEANPOINT FINL PARTNERS MHC

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

Website https://www.banknewport.com

FDIC Certificate # 18129

Established 18190101

FDIC Insurance Date 19600102

Domestic Offices 20

Total Branches 20

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 96/100

5.0

Exceptional Out of 5.0 Stars

7.77%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.6175%

Return on Equity (ROE) 6.1800%

Non-Performing Loans (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 20

Source: FDIC | Last Updated 06/30/2026

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 — no need to download or upload anything.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

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

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Frequently Asked Questions About BankNewport

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.