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Source: https://www.banknewport.com/rates/ Read: 2026-10-22T16:21:05.000Z Explore Current BankNewport Rates & Offers | BankNewport Skip to content × BankNewport Mobile Banking Minimum Daily Balance to Earn APY | APY† | Minimum Deposit to Open $2,000.00 | 0.05% | $25.00 The Annual Percentage Yield (APY) is accurate as of: October 22, 2026 Tier | Minimum Daily Balance to Earn APY | APY | Minimum Deposit to Open 1 | $100.00 - $2,499.99 | 0.05% | $100.00 2 | $2,500.00+ | 0.05% | $100.00 The Annual Percentage Yield (APY) is accurate as of: October 22, 2026 Tier | Minimum Daily Balance to Earn APY | APY | Minimum Deposit to Open 1 | $2,500.00 - $9,999.99 | 0.02% | $2,500.00 2 | $10,000.00 - $24,999.99 | 0.05% | $2,500.00 3 | $25,000.00 - $49,999.99 | 0.10% | $2,500.00 4 | $50,000.00 - $74,999.99 | 0.15% | $2,500.00 5 | $75,000.00+ | 0.20% | $2,500.00 The Annual Percentage Yield (APY) is accurate as of: October 22, 2026 Tier | Minimum Daily Balance to Earn APY | APY | Minimum Deposit to Open 1 | $2,500.00 - $24,999.99 | 0.05% | $2,500.00 2 | $25,000.00 - $74,999.99 | 0.15% | $2,500.00 3 | $75,000.00 - $249,999.99 | 0.50% | $2,500.00 4 | $250,000.00+ | 1.75% | $2,500.00 The Annual Percentage Yield (APY) is accurate as of: October 22, 2026 Tier | Minimum Daily Balance to Earn APY | APY | Minimum Deposit to Open 1 | $100.00 - $2,499.99 | 0.05% | $100.00 2 | $2,500.00+ | 0.05% | $100.00 The Annual Percentage Yield (APY) is accurate as of: October 22, 2026 Tier | Minimum Daily Balance to Earn APY | APY | Minimum Deposit to Open 1 | $2,500.00 - $9,999.99 | 0.02% | $2,500.00 2 | $10,000.00 - $24,999.99 | 0.05% | $2,500.00 3 | $25,000.00 - $49,999.99 | 0.10% | $2,500.00 4 | $50,000.00 - $74,999.99 | 0.15% | $2,500.00 5 | $75,000.00+ | 0.20% | $2,500.00 The Annual Percentage Yield (APY) is accurate as of: October 22, 2026 Tier | Minimum Daily Balance to Earn APY | APY | Minimum Deposit to Open 1 | $10,000.00 - $49,999.99 | 0.10% | $2,500.00 2 | $50,000.00 - $99,999.99 | 0.15% | $2,500.00 3 | $100,000.00 - $249,999.99 | 0.20% | $2,500.00 4 | $250,000.00 - $499,999.99 | 0.50% | $2,500.00 5 | $500,000.00+ | 1.75% | $2,500.00 The Annual Percentage Yield (APY) is accurate as of: October 22, 2026 Term | Interest Rate | Points | APR 1 | Maximum Loan Amount | Monthly Payments per $200,000 Borrowed 30 Year | 6.875% | 1.125 | 7.086% | $832,750.00 | $1,313.86 30 Year | 7.000% | 0.500 | 7.148% | $832,750.00 | $1,330.60 30 Year | 7.125% | 0.000 | 7.224% | $832,750.00 | $1,347.44 20 Year | 6.625% | 0.875 | 6.865% | $832,750.00 | $1,505.90 20 Year | 7.000% | 0.500 | 7.193% | $832,750.00 | $1,550.60 20 Year | 7.125% | 0.000 | 7.253% | $832,750.00 | $1,565.64 15 Year | 6.375% | 0.875 | 6.675% | $832,750.00 | $1,728.50 15 Year | 6.500% | 0.500 | 6.740% | $832,750.00 | $1,742.21 15 Year | 6.750% | 0.000 | 6.911% | $832,750.00 | $1,769.82 1 Annual Percentage Rates (APRs) are subject to change without notice. APRs are based on a 45 day Rate Lock Agreement for purchase transactions only, a 25% down payment and a 760 or higher credit score. Rates are available for single family primary residence in Rhode Island, Southeastern Massachusetts or Eastern Connecticut. Lower down payments available. Closing costs apply. Subject to credit approval. Homeowners insurance is required. Flood insurance may be required. Other programs and terms may be available. Other terms and conditions may apply. Monthly payments do not include taxes and insurance. Your payments may be greater. Term | Interest Rate 1 | Points | APR 2 | Maximum Loan Amount | Monthly Payments per $350,000 Borrowed 30 Year | 6.250% | 0 | 6.303% | $736,000 1 Unit $828,700 2 Units | $2,155.01 *Maximum household income is $92,818. Restrictions, loan and income limits apply. With our Income Limited First-Time Homebuyer Product you may be able to take advantage of no required mortgage insurance, closing cost assistance and 97% financing on 1 or 2 units. Discuss with your loan originator for more information. 2 Annual Percentage Rates (APRs) are subject to change without notice. APRs are based on a 45 day Rate Lock Agreement for purchase transactions only, a 25% down payment and a 760 or higher credit score. Rates are available for single family primary residence in Rhode Island, Southeastern Massachusetts or Eastern Connecticut. Lower down payments available. Closing costs apply. Subject to credit approval. Homeowners insurance is required. Flood insurance may be required. Other programs and terms may be available. Other terms and conditions may apply. Monthly payments do not include taxes and insurance. Your payments may be greater. Term | Interest Rate 1 | Points | APR 2 | Maximum Loan Amount | Monthly Payments per $400,000 Borrowed 30 Year | 7.375% | 0 | 7.427 | $736,000 1 Unit $828,700 2 Units | $2,762.70 2 Annual Percentage Rates (APRs) are subject to change without notice. APRs are based on a 45 day Rate Lock Agreement for purchase transactions only, a 25% down payment and a 760 or higher credit score. Rates are available for single family primary residence in Rhode Island, Southeastern Massachusetts or Eastern Connecticut. Lower down payments available. Closing costs apply. Subject to credit approval. Homeowners insurance is required. Flood insurance may be required. Other programs and terms may be available. Other terms and conditions may apply. Monthly payments do not include taxes and insurance. Your payments may be greater. Term | Interest Rate | Points | APR 1 | Monthly Payments for $203,500 Loan Amount 30 Year | 6.750% | 0.000 | 7.869% | $1,319.90 1 Annual Percentage Rates (APRs) are subject to change without notice. APRs are based on a 45 day Rate Lock Agreement for purchase transactions only, a 25% down payment and a 760 or higher credit score. Rates are available for single family primary residence in Rhode Island, Southeastern Massachusetts or Eastern Connecticut. Lower down payments available. Closing costs apply. Subject to credit approval. Homeowners insurance is required. Flood insurance may be required. Other programs and terms may be available. Other terms and conditions may apply. Monthly payments do not include taxes and insurance. Your payments may be greater. Term | Rate/APR | Monthly Payment Based on Minimum Loan Amount * 10 Year | 6.625% | $228.37 15 Year | 6.875% | $178.37 Maximum loan to value 80%. Rates are subject to change without notice. Product | APR | Minimum Loan Amount | Initial Disbursement at Closing Standard Line of Credit* (10 Year Draw / 15 Year Repayment) | 7.00% | $20,000.00 | N/A Homeowners insurance is required. Flood insurance may be required. Minimum loan amounts are subject to change without notice. Subject to credit approval. Maximum APR is 21% in RI, 18% in MA, and 12% in CT. Fees will apply if held in trust or with power of attorney ranging from $100 to $300*. Title insurance is required on loans over $350,000 and the premium is $2.50 per $1,000. If you pay your Credit Line balance in full you may have to pay a prepayment penalty of 2.0% of the outstanding Credit Line Balance. Please note: The Prepayment Penalty will only be charged if you pay your outstanding Credit Line balance in full AND you tell us to terminate the Agreement (and we execute a full satisfaction of the Agreement and a Discharge of the Mortgage Deed) within one year of the Agreement Date. The Prepayment Penalty will not be charged for: a) Solely for prepaying the outstanding Credit Line balance, in whole or in part (your credit line will still be available for future use) or b) If you have a balance on your line of credit that is less than the credit limit and you choose to terminate your right to obtain future advances. (Note - If you chose to terminate your right to receive future advances under the agreement, written notice must be sent to the Bank via registered or certified mail at 184 John Clarke Road, Middletown, RI 02842 in accordance with Rhode Island General Laws § 34-25-11). Please consult a tax advisor regarding the deductibility of interest. Maximum loan to value 80%. Available on one-to-four family, owner-occupied, condominium or a second home, (which is not rental property) Rhode Island, Southeastern Massachusetts, and Connecticut properties only. The APR is variable and subject to change without notice based on the Prime Rate as published by The Wall Street Journal on the first business day of the billing cycle. Other conditions may apply. $50 annual fee. Need some help getting to closing? RIHousing’s 15kDPA program provides $15,000 in assistance for down payment and/or closing costs in the form of a zero-percent (0%) interest rate loan to first-time homebuyers in Rhode Island 1 . Term | APY 24 Month 1 New Money Only | 4.50% 24 Month 2 | 4.25% 18 Month 1 New Money Only | 4.50% 18 Month 2 | 4.25% 15 Month 3 | 4.00% 7 Month 4 | 3.75% The Annual Percentage Yield (APY) is accurate as of: October 22, 2026 1 Minimum deposit to open a 24 or 18 month, 4.50% APY Certificate of Deposit is $1,000 All funds must be new money. New Money is defined as funds on deposit with BankNewport for less than 30 days. A penalty will be imposed for early withdrawal during the term. A BankNewport personal checking account is required for CD specials. Offer may be withdrawn at any time. 2 Minimum deposit to open a 24 or 18 month, 4.25% APY Certificate of Deposit is $1,000 with existing money. A penalty will be imposed for early withdrawal during the term. A BankNewport personal checking account is required for CD specials. Offer can be withdrawn at any time. 3 Minimum deposit to open a 15 month, 4.00% APY Certificate of Deposit is $1,000 with existing money. A penalty will be imposed for early withdrawal during the term. A BankNewport personal checking account is required for CD specials. Offer can be withdrawn at any time. 4 Minimum deposit to open a 7 month, 3.75% APY Certificate of Deposit is $1,000 with existing money. A penalty will be imposed for early withdrawal during the term. A BankNewport personal checking account is required for CD specials. Offer can be withdrawn at any time. Term | APY 6 months | 3.00% 18 months | 4.25% 24 months | 4.25% The Annual Percentage Yield (APY) is accurate as of: October 22, 2026 Term | APY 6 months | 3.00% 18 months | 4.25% 24 months | 4.25% The Annual Percentage Yield (APY) is accurate as of: October 22, 2026 Term | APY 24 Month 1 New Money Only | 4.50% 24 Month 2 | 4.25% 18 Month 1 New Money Only | 4.50% 18 Month 2 | 4.25% 15 Month 3 | 4.00% 7 Month 4 | 3.75% The Annual Percentage Yield (APY) is accurate as of: October 22, 2026 1 Minimum deposit to open a 24 or 18 month, 4.50% APY IRA is $1,000 All funds must be new money. New Money is defined as funds on deposit with BankNewport for less than 30 days. A penalty will be imposed for early withdrawal during the term. For IRA accounts, additional IRS penalties may apply; consult your tax advisor. A BankNewport personal checking account is required for IRA specials. Offer may be withdrawn at any time. 2 Minimum deposit to open a 24 or 18 month, 4.25% APY IRA is $1,000 with existing money. A penalty will be imposed for early withdrawal during the term. For IRA accounts, additional IRS penalties may apply; consult your tax advisor. A BankNewport personal checking account is required for IRA specials. Offer can be withdrawn at any time. 3 Minimum deposit to open a 15 month, 4.00% APY IRA is $1,000 with existing money. A penalty will be imposed for early withdrawal during the term. For IRA accounts, additional IRS penalties may apply; consult your tax advisor. A BankNewport personal checking account is required for IRA specials. Offer can be withdrawn at any time. 4 Minimum deposit to open a 7 month, 3.75% APY IRA is $1,000 with existing money. A penalty will be imposed for early withdrawal during the term. For IRA accounts, additional IRS penalties may apply; consult your tax advisor. A BankNewport personal checking account is required for IRA specials. Offer can be withdrawn at any time. Term | APY 6 months | 3.00% 18 months | 4.25% 24 months | 4.25% The Annual Percentage Yield (APY) is accurate as of: October 22, 2026 Term | APY 6 months | 3.00% 18 months | 4.25% 24 months | 4.25% The Annual Percentage Yield (APY) is accurate as of: October 22, 2026 Minimum Deposit to Open | Minimum Daily Balance to Earn APY | APY † $100.00 | $100.00 | 0.05% The Annual Percentage Yield (APY) is accurate as of: October 22, 2026 Term | APY 6 months | 3.00% 18 months | 4.25% 24 months | 4.25% The Annual Percentage Yield (APY) is accurate as of: October 22, 2026