CD Rates Smithfield, Rhode Island (RI) for April 2026
Brian McKay
Brian McKay
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Current Smithfield, Rhode Island CD rates include Coastal1 Credit UnionCoastal1 Credit Union379 Putnam Pike, Smithfield, RI 02917 2401A+5.0 ★Texas Ratio: 2.03% offering 48 month Certificate Of Deposit at 3.00% APY, 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, and Rhode Island Credit UnionRhode Island Credit UnionA+5.0 ★Texas Ratio: 2.38% offering 6 Month Certificate of Deposit at 3.50% APY. CD rates as of April 11, 2026 according to verified data from MonitorBankRates.
Smithfield has 7 local institutions in our database, with CD rates as high as 3.00% APY from Coastal1 Credit Union at 379 Putnam Pike, Smithfield, RI 02917 2401. 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 11, 2026
Compare Best CD Rates in Smithfield, Rhode Island & the Surrounding Area
Relationship APY
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Relationship APY
$1,000.00 Minimum balance required
Relationship APY
$1,000.00 Minimum balance required
Relationship APY
$1,000.00 Minimum balance required
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Smithfield, RI CD Rate Trends
Compare local Smithfield, 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.
Rhode Island 12-month CD rates rose 0.033 points over the past 7 days to 3.052% APY.
Rhode Island 6-month CD rates rose 0.003 points over the past 7 days to 2.941% APY.
Frequently Asked Questions about CD Rates in Smithfield, Rhode Island
Are CD rates in Smithfield, Rhode Island FDIC insured?
Do I have to pay state taxes on CD interest in Smithfield, Rhode Island?
Can I withdraw my money early from a CD?
What is the difference between a Jumbo CD and a regular CD?
Are fixed-rate CDs better than variable-rate CDs?
What is a CD ladder?
Best CD rates in Smithfield, Rhode Island?
- Coastal1 Credit Union: 3.00% APY (48 month Certificate Of Deposit)
- 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 (1 Year CD)
- Bank5 Connect: 3.20% APY (18 Month CD)
- Westerly Community Credit Union: 3.20% APY (Premier 3 Month CD Special)
- Blackstone River Federal Credit Union: 3.04% APY (18 Month Certificate of Deposit)
- TD Bank: 1.00% APY (3 Year Certificate of Deposit)
CD Calculators
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Smithfield, 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 Smithfield, 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.
