*16 Month CD Promo 2.35%APY This offer is available for personal and business customers. To receive the promotional 2.35% APY (Annual Percentage Yield), the minimum balance required to open the 16 Month CD Promo account is $25,000 or more with funds not currently on deposit with BankRI. This Annual Percentage Yield is accurate as of September 20, 2022. This offer does not include Individual Retirement Account (IRA) products. If you withdraw any principal before the maturity date, a penalty will be charged to your account. Fees could reduce earnings. FDIC insured. Limited time offer, rate and product are subject to change without notice. Refer to the Certificate of Deposit Disclosure on the BankRI website for additional terms.