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CD Rates Middletown, Rhode Island (RI) for April 2026

Current Middletown, Rhode Island CD rates include Webster BankWebster Bank716 Aquidneck Ave, Middletown, RI 02842A+5.0 ★Texas Ratio: 2.48% offering Private 6-Month CD at 3.75% APY, Centreville BankCentreville Bank160 E Main Rd, Middletown, RI 02842A+5.0 ★Texas Ratio: 4.04% offering Individual Retirement Account (IRA) CD 2 Year at 2.75% APY, TD BankTD Bank553 W Main Rd, Middletown, RI 02842A5.0 ★Texas Ratio: 6.30% offering 3 Month Choice CD at 1.00% APY, Shoreham BankShoreham BankA5.0 ★Texas Ratio: 10.45% offering 3 Month CD Accounts4 at 3.90% APY, and Greenwood Credit UnionGreenwood Credit UnionA+5.0 ★Texas Ratio: 3.56% offering 5 Year Certificates of Deposit at 3.75% APY. CD rates as of April 6, 2026 according to verified data from MonitorBankRates.

Middletown has 17 local institutions in our database, with CD rates as high as 3.75% APY from Webster Bank at 716 Aquidneck Ave, Middletown, RI 02842. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Rhode Island area. 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 6, 2026

Compare Best CD Rates in Middletown, Rhode Island & the Surrounding Area

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
553 W Main Rd, Middletown, RI 02842
3 Month Choice CD
$250
1.00%
Rate
Min Deposit$250
Min Balance
UpdatedApr 6, 2026
Details

Relationship APY

Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
716 Aquidneck Ave, Middletown, RI 02842
3 Month Personal CDs
$500
0.01%
Rate0.01%
Min Deposit$500
Min Balance
UpdatedApr 6, 2026
Details

Shoreham Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
3 Month CD Accounts4
$0
3.90%
Rate3.84%
Min Deposit$0
Min Balance
UpdatedApr 6, 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 6, 2026
Details

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 6, 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 6, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
716 Aquidneck Ave, Middletown, RI 02842
Private 6-Month CD
$500
3.75%
Rate
Min Deposit$500
Min Balance
UpdatedApr 6, 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 6, 2026
Details

Bank5 Connect
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
6 Month CD
$500
3.20%
Rate3.15%
Min Deposit$500
Min Balance
UpdatedApr 6, 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 6, 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 6, 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 6, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Centreville Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
160 E Main Rd, Middletown, RI 02842
Individual Retirement Account (IRA) CD 1 Year
$0
2.75%
Rate
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

Premium APY

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
553 W Main Rd, Middletown, RI 02842
12 Month Choice CD
$250
1.00%
Rate
Min Deposit$250
Min Balance
UpdatedApr 6, 2026
Details

Relationship APY

Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
716 Aquidneck Ave, Middletown, RI 02842
12 Month Personal CDs
$500
0.01%
Rate0.01%
Min Deposit$500
Min Balance
UpdatedApr 6, 2026
Details

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 6, 2026
Details

Ocean State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
1 Year CD
$1,000
3.50%
Rate3.45%
Min Deposit$1,000
Min Balance
UpdatedApr 6, 2026
Details

Bank5 Connect
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
12 Month CD
$500
3.20%
Rate3.15%
Min Deposit$500
Min Balance
UpdatedApr 6, 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 6, 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 6, 2026
Details

Shoreham Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
1 Year CD Accounts4
$0
2.00%
Rate1.98%
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

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 6, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Centreville Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
160 E Main Rd, Middletown, RI 02842
Individual Retirement Account (IRA) CD 18 Month
$0
2.50%
Rate
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

Premium APY

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
553 W Main Rd, Middletown, RI 02842
18 Month Choice CD
$0
1.00%
Rate
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

Relationship APY

Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
716 Aquidneck Ave, Middletown, RI 02842
18 Month Personal CDs
$500
0.01%
Rate0.01%
Min Deposit$500
Min Balance
UpdatedApr 6, 2026
Details

Greenwood Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
18 Month Certificates of Deposit
$1,000
3.50%
Rate3.44%
Min Deposit$1,000
Min Balance
UpdatedApr 6, 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 6, 2026
Details

Bank5 Connect
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
18 Month CD
$500
3.20%
Rate3.15%
Min Deposit$500
Min Balance
UpdatedApr 6, 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 6, 2026
Details

$1,000.00 Minimum balance required

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Centreville Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
160 E Main Rd, Middletown, RI 02842
Individual Retirement Account (IRA) CD 2 Year
$0
2.75%
Rate
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

Premium APY

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
553 W Main Rd, Middletown, RI 02842
24 Month Certificate of Deposit
$250
1.00%
Rate
Min Deposit$250
Min Balance
UpdatedApr 6, 2026
Details

Relationship APY

Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
716 Aquidneck Ave, Middletown, RI 02842
2 Year Personal CDs
$500
0.01%
Rate0.01%
Min Deposit$500
Min Balance
UpdatedApr 6, 2026
Details

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 6, 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 6, 2026
Details

Ocean State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
2 Year CD
$1,000
3.25%
Rate3.21%
Min Deposit$1,000
Min Balance
UpdatedApr 6, 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 6, 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 6, 2026
Details

Milford Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
1-1/2 Year IRA
$25
0.10%
Rate0.10%
Min Deposit$25
Min Balance
UpdatedApr 6, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Centreville Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
160 E Main Rd, Middletown, RI 02842
Individual Retirement Account (IRA) CD 3 Year
$0
2.50%
Rate
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

Premium APY

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
553 W Main Rd, Middletown, RI 02842
3 Year Certificate of Deposit
$250
1.00%
Rate
Min Deposit$250
Min Balance
UpdatedApr 6, 2026
Details

Relationship APY

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 6, 2026
Details

Ocean State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
3 Year CD
$1,000
3.15%
Rate3.11%
Min Deposit$1,000
Min Balance
UpdatedApr 6, 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 6, 2026
Details

$1,000.00 Minimum balance required

Shoreham Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
3 Year CD Accounts4
$0
3.00%
Rate2.96%
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

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 6, 2026
Details

Bank5 Connect
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
36 Month CD
$500
0.85%
Rate0.85%
Min Deposit$500
Min Balance
UpdatedApr 6, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Centreville Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
160 E Main Rd, Middletown, RI 02842
Individual Retirement Account (IRA) CD 4 Year
$0
2.50%
Rate
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

Premium APY

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 6, 2026
Details

Shoreham Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
4 Year CD Accounts4
$0
3.25%
Rate3.20%
Min Deposit$0
Min Balance
UpdatedApr 6, 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 6, 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 6, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Centreville Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
160 E Main Rd, Middletown, RI 02842
Individual Retirement Account (IRA) CD 5 Year
$0
2.50%
Rate
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

Premium APY

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
553 W Main Rd, Middletown, RI 02842
5 Year Choice CD
$250
1.00%
Rate
Min Deposit$250
Min Balance
UpdatedApr 6, 2026
Details

Relationship APY

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 6, 2026
Details

Shoreham Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
5 Year CD Accounts4
$0
3.50%
Rate3.44%
Min Deposit$0
Min Balance
UpdatedApr 6, 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 6, 2026
Details

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 6, 2026
Details

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.

Middletown, RI CD Rate Trends

Compare local Middletown, 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.

View Full Rhode Island CD Trends →
12-Month CD — RI Avg
3.109%
▲ 0.645 vs 7 days ago

Rhode Island 12-month CD rates rose 0.645 points over the past 7 days to 3.109% APY.

6-Month CD — RI Avg
2.945%
▲ 0.201 vs 7 days ago

Rhode Island 6-month CD rates rose 0.201 points over the past 7 days to 2.945% APY.

As of Apr 6, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about CD Rates in Middletown, Rhode Island

Are CD rates in Middletown, Rhode Island FDIC insured?

Yes, most established banks in Middletown, 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 Middletown, 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 Middletown, 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 Middletown, 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 Middletown, Rhode Island?

Here are recent top rates found for this area:
  • Webster Bank: 3.75% APY (Private 6-Month CD)
  • Centreville Bank: 2.75% APY (Individual Retirement Account (IRA) CD 2 Year)
  • TD Bank: 1.00% APY (3 Month Choice CD)
  • Shoreham Bank: 3.90% APY (3 Month CD Accounts4)
  • Greenwood Credit Union: 3.75% APY (5 Year Certificates of Deposit)
  • Ocean State Credit Union: 3.50% APY (1 Year CD)
  • Rhode Island Credit Union: 3.50% APY (6 Month Certificate of Deposit)
  • Westerly Community Credit Union: 3.20% APY (Premier 3 Month CD Special)
  • Bank5 Connect: 3.20% APY (12 Month CD)
  • Cumberland Municipal Employees Federal Credit Union: 3.05% APY (CD Rate - 6 Month)
Rates reflect recent verified offers available in Middletown, Rhode Island. Last Updated: April 6, 2026

Methodology & Data Sources

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Middletown, 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 Middletown, 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 6, 2026