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Lock in a Competitive Rate with a BankRI CD.

If you have a longer-term savings goal and don't need immediate access to your funds, Bank Rhode Island offers a full line of Certificates of Deposit (CDs) that offer competitive rates and the assurance of FDIC protection.  Our CDs offer these benefits:

  • The flexibility to choose terms from 3 months to 5 years1 
  • The security of FDIC insurance2
  • No monthly service charge Premium Checking account with CD balances of $15,000 or more
  • Automatic reinvestment at maturity
  • Daily compounding interest for terms of one year or greater
  • FREE Online Banking
  • Roth or Traditional Investment Retirement Accounts applicable (see BARI Investment Services for more details)

Minimum deposit to open:

  • $1,000 for traditional CDs
  • $500 for IRA CDs

If you would like to open a Certificate of Deposit, please stop by one of our 18 conveniently located branch locations.  For our competitive rates and other information, call (866) 4-BANKRI/(866) 422-6574 weekdays from 8 a.m. to 8 p.m., and Saturday from 9 a.m. to 4 p.m.

Learn more about FDIC limits.

Ask EDIE. Click Here

EDIE lets consumers and bankers know, on a per-bank basis, how the insurance rules and limits apply to a depositor's specific group of deposit accounts—what's insured and what portion (if any) exceeds coverage limits at that bank. EDIE also allows the user to print the report for their records.

1 Penalty for early withdrawal.
2 Accounts are insured up to current FDIC limits.