CD Rates Carolina, Rhode Island (RI) for April 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Carolina, Rhode Island CD rates include Shoreham BankShoreham BankA5.0 ★Texas Ratio: 10.45% offering 3 Month CD Accounts4 at 3.90% APY, Greenwood Credit UnionGreenwood Credit UnionA+5.0 ★Texas Ratio: 3.56% offering 3 Year Certificates of Deposit at 3.75% APY, Webster BankWebster BankA+5.0 ★Texas Ratio: 2.48% offering Private 6-Month CD at 3.75% APY, Rhode Island Credit UnionRhode Island Credit UnionA+5.0 ★Texas Ratio: 2.38% offering 6 Month Certificate of Deposit at 3.50% APY, and Ocean State Credit UnionOcean State Credit UnionA5.0 ★Texas Ratio: 7.10% offering 18 Month CD at 3.50% APY. CD rates as of April 5, 2026 according to verified data from MonitorBankRates.
Carolina is a smaller community with no bank or credit union branches currently in our database. 61 institutions serving the Rhode Island area are available to Carolina residents, with CD rates as high as 3.90% APY from Shoreham Bank. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: April 5, 2026
Compare Best CD Rates in Carolina, Rhode Island & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Westerly Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
Premier 3 Month CD Special
$100,000
3.20%
▼
Rate3.15%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 5, 2026
Details
Relationship APY
Greenwood Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
3 Month Certificates of Deposit
$1,000
0.50%
▼
Rate0.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Rhode Island Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3 Month Certificate of Deposit
$500
0.15%
▼
Rate0.15%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Rate0.01%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
for existing or new Private Checking account holders.
Rhode Island Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
6 Month Certificate of Deposit
$500
3.50%
▼
Rate3.47%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Cumberland Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
CD Rate - 6 Month
$0
3.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Minimum $1000
Blackstone River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
6 Month Certificate of Deposit
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
$1,000.00 Minimum balance required
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
6 month Certificate Of Deposit
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Greenwood Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1 Year Certificates of Deposit
$1,000
3.65%
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Blackstone River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
12 Month Certificate of Deposit
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
$1,000.00 Minimum balance required
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
12 month Certificate Of Deposit
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Centreville Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
Individual Retirement Account (IRA) CD 1 Year
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Premium APY
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 5, 2026
Details
Relationship APY
BayCoast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
6 Months - Less than 1 Year Statement Certificate of Deposit (CD)
$500
0.20%
▼
Rate0.20%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Rate0.01%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Ocean State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
18 Month CD
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Rhode Island Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
18 Month Certificate of Deposit
$500
3.25%
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Blackstone River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
18 Month Certificate of Deposit
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
$1,000.00 Minimum balance required
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
18 month Certificate Of Deposit
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Centreville Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
Individual Retirement Account (IRA) CD 18 Month
$0
2.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Relationship APY
Rate0.01%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Greenwood Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
2 Year Certificates of Deposit
$1,000
3.65%
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Rhode Island Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
24 Month Certificate of Deposit
$500
3.35%
▼
Rate3.31%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Rate3.21%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Blackstone River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
24 Month Certificate of Deposit
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
$1,000.00 Minimum balance required
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
24 month Certificate Of Deposit
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Rate2.71%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Centreville Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
Individual Retirement Account (IRA) CD 2 Year
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
24 Month Certificate of Deposit
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 5, 2026
Details
Relationship APY
Rate0.10%
Min Deposit$25
Min Balance—
UpdatedApr 5, 2026
Details
Rate0.01%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Greenwood Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
3 Year Certificates of Deposit
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Rate3.11%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Blackstone River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
36 Month Certificate of Deposit
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
$1,000.00 Minimum balance required
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Centreville Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
Individual Retirement Account (IRA) CD 3 Year
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Premium APY
Milford Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
36 Month Education CD
$500
2.02%
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
3 Year Certificate of Deposit
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 5, 2026
Details
Relationship APY
Rate0.85%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Greenwood Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
4 Year Certificates of Deposit
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
48 month Certificate Of Deposit
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Rate2.47%
Min Deposit$5,000
Min Balance—
UpdatedApr 5, 2026
Details
Centreville Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
Individual Retirement Account (IRA) CD 4 Year
$0
2.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
BayCoast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
3 - Less than 4 Year Statement Certificate of Deposit (CD)
$500
0.50%
▼
Rate0.50%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Greenwood Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
5 Year Certificates of Deposit
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Coastal1 Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
60 month Certificate Of Deposit
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Rate2.47%
Min Deposit$5,000
Min Balance—
UpdatedApr 5, 2026
Details
Centreville Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
Individual Retirement Account (IRA) CD 5 Year
$0
2.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 5, 2026
Details
Relationship APY
BayCoast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
4 - 5 Year Statement Certificate of Deposit (CD)
$500
0.70%
▼
Rate0.70%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
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MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Carolina, RI CD Rate Trends
Compare local Carolina, RI CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — RI Avg
3.019%
▲ 0.556 vs 7 days ago
Rhode Island 12-month CD rates rose 0.556 points over the past 7 days to 3.019% APY.
6-Month CD — RI Avg
2.938%
▲ 0.195 vs 7 days ago
Rhode Island 6-month CD rates rose 0.195 points over the past 7 days to 2.938% APY.
As of Apr 5, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about CD Rates in Carolina, Rhode Island
Are CD rates in Carolina, Rhode Island FDIC insured?
Yes, most established banks in Carolina, Rhode Island are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.
Do I have to pay state taxes on CD interest in Carolina, Rhode Island?
Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Carolina, Rhode Island.
Can I withdraw my money early from a CD?
You can, but most institutions charge an Early Withdrawal Penalty — typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.
What is the difference between a Jumbo CD and a regular CD?
Jumbo CDs require a higher minimum deposit — traditionally $100,000 or more. In exchange, banks in Carolina, Rhode Island may offer slightly higher APYs compared to standard CDs.
Are fixed-rate CDs better than variable-rate CDs?
Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.
What is a CD ladder?
A CD ladder involves opening multiple CDs with staggered maturity dates — for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.
Best CD rates in Carolina, Rhode Island?
Here are recent top rates found for this area:
- Shoreham Bank: 3.90% APY (3 Month CD Accounts4)
- Webster Bank: 3.75% APY (Private 6-Month CD)
- Greenwood Credit Union: 3.75% APY (5 Year Certificates of Deposit)
- Rhode Island Credit Union: 3.50% APY (6 Month Certificate of Deposit)
- Ocean State Credit Union: 3.50% APY (18 Month CD)
- Bank5 Connect: 3.20% APY (12 Month CD)
- Westerly Community Credit Union: 3.20% APY (Premier 3 Month CD Special)
- Cumberland Municipal Employees Federal Credit Union: 3.05% APY (CD Rate - 6 Month)
- Blackstone River Federal Credit Union: 3.04% APY (24 Month Certificate of Deposit)
- Coastal1 Credit Union: 3.00% APY (60 month Certificate Of Deposit)
Rates reflect recent verified offers available in Carolina, Rhode Island. Last Updated: April 5, 2026
CD Calculators
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Carolina, Rhode Island directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Carolina, Rhode Island. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in RI.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: April 5, 2026
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