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

Current Woonsocket, Rhode Island CD rates include Blackstone River Federal Credit UnionBlackstone River Federal Credit Union10 Monument Sq, Woonsocket, RI 02895A+5.0 ★Texas Ratio: 4.52% offering 12 Month Certificate of Deposit at 3.04% APY, Milford Federal BankMilford Federal Bank2020 Diamond Hill Rd, Woonsocket, RI 02895A+5.0 ★Texas Ratio: 1.42% offering 36 Month Education CD at 2.02% 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 4 Year Certificates of Deposit at 3.75% APY, and Webster BankWebster BankA+5.0 ★Texas Ratio: 2.48% offering Private 6-Month CD at 3.75% APY. CD rates as of April 10, 2026 according to verified data from MonitorBankRates.

Woonsocket has 7 local institutions in our database, with CD rates as high as 3.04% APY from Blackstone River Federal Credit Union at 10 Monument Sq, Woonsocket, RI 02895. 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 10, 2026

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

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
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 10, 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 10, 2026
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
3 Month Choice CD
$250
1.00%
Rate
Min Deposit$250
Min Balance
UpdatedApr 10, 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 10, 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 10, 2026
Details

Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
3 Month Personal CDs
$500
0.01%
Rate0.01%
Min Deposit$500
Min Balance
UpdatedApr 10, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Blackstone River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
10 Monument Sq, Woonsocket, RI 02895
6 Month Certificate of Deposit
$0
3.04%
Rate3.00%
Min Deposit$0
Min Balance
UpdatedApr 10, 2026
Details

$1,000.00 Minimum balance required

Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
Private 6-Month CD
$500
3.75%
Rate
Min Deposit$500
Min Balance
UpdatedApr 10, 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 10, 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 10, 2026
Details

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 10, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Blackstone River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
10 Monument Sq, Woonsocket, RI 02895
12 Month Certificate of Deposit
$0
3.04%
Rate3.00%
Min Deposit$0
Min Balance
UpdatedApr 10, 2026
Details

$1,000.00 Minimum balance required

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 10, 2026
Details

Rhode Island Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
12 Month Certificate of Deposit
$500
3.50%
Rate3.45%
Min Deposit$500
Min Balance
UpdatedApr 10, 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 10, 2026
Details

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 10, 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 10, 2026
Details

Premium APY

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 10, 2026
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
12 Month Choice CD
$250
1.00%
Rate
Min Deposit$250
Min Balance
UpdatedApr 10, 2026
Details

Relationship APY

BayCoast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
IRA Certificate of Deposit (CD) 6 Months - Less than 1 Year Statement
$500
0.20%
Rate0.20%
Min Deposit$500
Min Balance
UpdatedApr 10, 2026
Details

Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
12 Month Personal CDs
$500
0.01%
Rate0.01%
Min Deposit$500
Min Balance
UpdatedApr 10, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Blackstone River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
10 Monument Sq, Woonsocket, RI 02895
18 Month Certificate of Deposit
$0
3.04%
Rate3.00%
Min Deposit$0
Min Balance
UpdatedApr 10, 2026
Details

$1,000.00 Minimum balance required

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 10, 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 10, 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 10, 2026
Details

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 10, 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 10, 2026
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
18 Month Choice CD
$0
1.00%
Rate
Min Deposit$0
Min Balance
UpdatedApr 10, 2026
Details

Relationship APY

Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
18 Month Personal CDs
$500
0.01%
Rate0.01%
Min Deposit$500
Min Balance
UpdatedApr 10, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Blackstone River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
10 Monument Sq, Woonsocket, RI 02895
24 Month Certificate of Deposit
$0
3.04%
Rate3.00%
Min Deposit$0
Min Balance
UpdatedApr 10, 2026
Details

$1,000.00 Minimum balance required

Milford Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
2020 Diamond Hill Rd, Woonsocket, RI 02895
1-1/2 Year IRA
$25
0.10%
Rate0.10%
Min Deposit$25
Min Balance
UpdatedApr 10, 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 10, 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 10, 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 10, 2026
Details

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 10, 2026
Details

Shoreham Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
2 Year CD Accounts4
$0
2.75%
Rate2.71%
Min Deposit$0
Min Balance
UpdatedApr 10, 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 10, 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 10, 2026
Details

Relationship APY

Webster Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
2 Year Personal CDs
$500
0.01%
Rate0.01%
Min Deposit$500
Min Balance
UpdatedApr 10, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Blackstone River Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.52%
10 Monument Sq, Woonsocket, RI 02895
36 Month Certificate of Deposit
$0
3.04%
Rate3.00%
Min Deposit$0
Min Balance
UpdatedApr 10, 2026
Details

$1,000.00 Minimum balance required

Milford Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
2020 Diamond Hill Rd, Woonsocket, RI 02895
36 Month Education CD
$500
2.02%
Rate2.00%
Min Deposit$500
Min Balance
UpdatedApr 10, 2026
Details

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 10, 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 10, 2026
Details

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 10, 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 10, 2026
Details

Premium APY

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 10, 2026
Details

Relationship APY

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 10, 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 10, 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 10, 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 10, 2026
Details

Ocean State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
4 Year CD
$5,000
2.50%
Rate2.47%
Min Deposit$5,000
Min Balance
UpdatedApr 10, 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 10, 2026
Details

BayCoast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
IRA Certificate of Deposit (CD) 3 - Less than 4 Year Statement
$500
0.50%
Rate0.50%
Min Deposit$500
Min Balance
UpdatedApr 10, 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 10, 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 10, 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 10, 2026
Details

Ocean State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
5 Year CD
$5,000
2.50%
Rate2.47%
Min Deposit$5,000
Min Balance
UpdatedApr 10, 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 10, 2026
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
5 Year Choice CD
$250
1.00%
Rate
Min Deposit$250
Min Balance
UpdatedApr 10, 2026
Details

Relationship APY

BayCoast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
IRA Certificate of Deposit (CD) 4 - 5 Year Statement
$500
0.70%
Rate0.70%
Min Deposit$500
Min Balance
UpdatedApr 10, 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.

Woonsocket, RI CD Rate Trends

Compare local Woonsocket, 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
3.085%
▼ 0.017 vs 7 days ago

Rhode Island 12-month CD rates fell 0.017 points over the past 7 days to 3.085% APY.

6-Month CD — RI Avg
2.957%
▼ 0.007 vs 7 days ago

Rhode Island 6-month CD rates fell 0.007 points over the past 7 days to 2.957% APY.

As of Apr 10, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about CD Rates in Woonsocket, Rhode Island

Are CD rates in Woonsocket, Rhode Island FDIC insured?

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

Here are recent top rates found for this area:
  • Blackstone River Federal Credit Union: 3.04% APY (12 Month Certificate of Deposit)
  • Milford Federal Bank: 2.02% APY (36 Month Education CD)
  • Shoreham Bank: 3.90% APY (3 Month CD Accounts4)
  • Greenwood Credit Union: 3.75% APY (4 Year Certificates of Deposit)
  • Webster Bank: 3.75% APY (Private 6-Month CD)
  • Rhode Island Credit Union: 3.50% APY (12 Month Certificate of Deposit)
  • Ocean State Credit Union: 3.50% APY (18 Month CD)
  • Westerly Community Credit Union: 3.20% APY (Premier 3 Month CD Special)
  • Bank5 Connect: 3.20% APY (12 Month CD)
  • Coastal1 Credit Union: 3.00% APY (48 month Certificate Of Deposit)
Rates reflect recent verified offers available in Woonsocket, Rhode Island. Last Updated: April 10, 2026

Methodology & Data Sources

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Woonsocket, 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 Woonsocket, 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 10, 2026