BankNewport CD Rates — October 2026
As of October 22, 2026, BankNewport's highest tracked CD rate is 4.50% APY on an 18-month promotional CD ($1,000 minimum). That is 2.9 times the FDIC national average for 24-month CDs (1.55%).
Tracking began .
BankNewport CD rates
CD specials (7, 15, 18 and 24 months) and standard CD rates, with a $1,000 minimum to open. The higher 18- and 24-month rates require new money; Premium Gold CDs require a BN Premium Checking account. IRA rates are excluded. Early withdrawal penalties apply.
| Term | Product | APY |
|---|---|---|
| 6 months | Premium Gold CD Relationship | 3.00%Verified October 22, 2026 |
| 7 months | Limited Time Offer CD - Existing Money Promotional | 3.75%Verified October 22, 2026 |
| 15 months | Limited Time Offer CD - Existing Money Promotional | 4.00%Verified October 22, 2026 |
| 18 months | Limited Time Offer CD - New Money Only Promotional | 4.50%Top 6% · $10k reference sampleVerified October 22, 2026 |
| 18 months | Premium Gold CD Relationship | 4.25%Top 19% · $10k reference sampleVerified October 22, 2026 |
| 24 months | Limited Time Offer CD - New Money Only Promotional | 4.50%Top 4% · $10k reference sampleVerified October 22, 2026 |
| 24 months | Premium Gold CD Relationship | 4.25%Top 17% · $10k reference sampleVerified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are BankNewport's best CD rates by term?
BankNewport's best rate is 4.50% APY on 18 months, verified October 22, 2026.
- 6 mo3.00%
- 7 mo3.75%
- 15 mo4.00%
- 18 mo4.50%
- 24 mo4.50%
How much interest could a BankNewport CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$683.18 interest · $10,683.18 at maturity on $10,000.00.
4.50% APY · 18 months · Limited Time Offer CD - New Money Only · Promotional · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 6 months | $74.653.00% APY · Premium Gold CD · Relationship | $149.303.00% APY · Premium Gold CD · Relationship | $373.263.00% APY · Premium Gold CD · Relationship | $746.513.00% APY · Premium Gold CD · Relationship |
| 7 months | $108.583.75% APY · Limited Time Offer CD - Existing Money · Promotional | $217.163.75% APY · Limited Time Offer CD - Existing Money · Promotional | $542.893.75% APY · Limited Time Offer CD - Existing Money · Promotional | $1,085.783.75% APY · Limited Time Offer CD - Existing Money · Promotional |
| 15 months | $251.104.00% APY · Limited Time Offer CD - Existing Money · Promotional | $502.194.00% APY · Limited Time Offer CD - Existing Money · Promotional | $1,255.484.00% APY · Limited Time Offer CD - Existing Money · Promotional | $2,510.974.00% APY · Limited Time Offer CD - Existing Money · Promotional |
| 18 months | $341.594.50% APY · Limited Time Offer CD - New Money Only · Promotional | $683.184.50% APY · Limited Time Offer CD - New Money Only · Promotional | $1,707.954.50% APY · Limited Time Offer CD - New Money Only · Promotional | $3,415.914.50% APY · Limited Time Offer CD - New Money Only · Promotional |
| 24 months | $460.124.50% APY · Limited Time Offer CD - New Money Only · Promotional | $920.254.50% APY · Limited Time Offer CD - New Money Only · Promotional | $2,300.624.50% APY · Limited Time Offer CD - New Money Only · Promotional | $4,601.254.50% APY · Limited Time Offer CD - New Money Only · Promotional |
How BankNewport compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 548-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 4 of 192 tracked institutions with fresh 548-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| BankNewport (this institution)Limited Time Offer CD - New Money Only · Promotional | 18 months | $1,000 | Coverage: RI | 4.50% | October 22, 2026 |
| Popular Direct (highest tracked APY for this term)Certificate of Deposit · Standard | 18 months | $10,000 | Nationwide; check eligibility | 4.75% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Standard | 18 months | Not stated | Nationwide; check eligibility | 4.55% | October 22, 2026 |
| Barclays18 Month CD · Standard | 18 months | Not stated | Nationwide; check eligibility | 4.50% | October 22, 2026 |
| Treasury (APY-equivalent) | 18 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.72% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking BankNewport on October 22, 2026.
About BankNewport
- Legal name
- BankNewport
- Regulator ID
- FDIC 18129
- Headquarters
- Middletown, RI
- Available in
- RI
- Total assets
- $3.1 billion
- Also known as
- Website
- www.banknewport.com
Source: rates read from https://www.banknewport.com/rates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at BankNewport?
Among the rates we track, 4.50% APY on an 18-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a BankNewport CD?
The lowest minimum we found is $1,000.
How does BankNewport's best CD rate compare with Treasury yields?
4.50% APY is −0.22% versus the 18-month Treasury yield of 4.72% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.50% a good CD rate?
It is 2.9 times the FDIC national average for a similar term (1.55% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are BankNewport CDs insured?
BankNewport is an FDIC-insured bank (FDIC 18129). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check BankNewport's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from BankNewport's website and may change at any time. Confirm terms, minimums and eligibility with BankNewport before opening an account. This page is not financial advice.