# BankNewport CD rates

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%).

Canonical page: https://apyledger.com/cd-rates/banknewport
Institution: BankNewport (FDIC 18129)
Aliases: 
Status: live
Last verified: 2026-10-22T16:21:05.000Z (October 22, 2026)
Official source: https://www.banknewport.com/rates/
Coverage: 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.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Premium Gold CD | relationship | 6 months | $1,000 | 3.00% | Not ZIP-priced | −1.40% | 2026-10-22T16:21:05.000Z | [Snapshot 320](https://apyledger.com/snapshots/320) |
| Premium Gold CD | relationship | 6 months | $1,000 | 3.00% | Not ZIP-priced | −1.40% | 2026-10-22T16:21:05.000Z | [Snapshot 320](https://apyledger.com/snapshots/320) |
| Limited Time Offer CD - Existing Money | promotional | 7 months | $1,000 | 3.75% | Not ZIP-priced | −0.68% | 2026-10-22T16:21:05.000Z | [Snapshot 320](https://apyledger.com/snapshots/320) |
| Limited Time Offer CD - Existing Money | promotional | 15 months | $1,000 | 4.00% | Not ZIP-priced | −0.65% | 2026-10-22T16:21:05.000Z | [Snapshot 320](https://apyledger.com/snapshots/320) |
| Limited Time Offer CD - New Money Only | promotional | 18 months | $1,000 | 4.50% | Not ZIP-priced | −0.22% | 2026-10-22T16:21:05.000Z | [Snapshot 320](https://apyledger.com/snapshots/320) |
| Premium Gold CD | relationship | 18 months | $1,000 | 4.25% | Not ZIP-priced | −0.47% | 2026-10-22T16:21:05.000Z | [Snapshot 320](https://apyledger.com/snapshots/320) |
| Premium Gold CD | relationship | 18 months | $1,000 | 4.25% | Not ZIP-priced | −0.47% | 2026-10-22T16:21:05.000Z | [Snapshot 320](https://apyledger.com/snapshots/320) |
| Premium Gold CD | relationship | 18 months | $1,000 | 4.25% | Not ZIP-priced | −0.47% | 2026-10-22T16:21:05.000Z | [Snapshot 320](https://apyledger.com/snapshots/320) |
| Limited Time Offer CD - New Money Only | promotional | 24 months | $1,000 | 4.50% | Not ZIP-priced | −0.37% | 2026-10-22T16:21:05.000Z | [Snapshot 320](https://apyledger.com/snapshots/320) |
| Premium Gold CD | relationship | 24 months | $1,000 | 4.25% | Not ZIP-priced | −0.62% | 2026-10-22T16:21:05.000Z | [Snapshot 320](https://apyledger.com/snapshots/320) |
| Premium Gold CD | relationship | 24 months | $1,000 | 4.25% | Not ZIP-priced | −0.62% | 2026-10-22T16:21:05.000Z | [Snapshot 320](https://apyledger.com/snapshots/320) |
| Premium Gold CD | relationship | 24 months | $1,000 | 4.25% | Not ZIP-priced | −0.62% | 2026-10-22T16:21:05.000Z | [Snapshot 320](https://apyledger.com/snapshots/320) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.