High Yield CD Accounts & Online CDs

At Shoreham Bank, we offer competitive CD (Certificate of Deposit) Accounts to help you achieve your financial goals. These accounts allow you to save money at a guaranteed

interest rate over a specified period of time. Visit one of our locations, or call us

today for details, (401) 732-1991.

To open an account, visit one of our three locations near you!

find a location

Or open an Online CD Today!

Online CD Accounts

Featured CD Accounts

3-Month CD

4.00%

APY¹

3.94% Interest Rate

$1000 Minimum Opening Deposit

In-Person Opening Only

9-Month CD

4.25%

APY²

4.16% Interest Rate

$1000 Minimum Opening Deposit

In-Person Opening Only

5-Year Online CD

3.50%

APY³

3.44% Interest Rate

$1000 Minimum Opening Deposit

Online Opening Only

In-Branch CDs¹

Product	Rate	APY	Minimum to Earn Interest
3 Month	3.94%	4.00%	$1,000
9 Month²	4.16%	4.25%	$1,000
1 Year	1.98%	2.00%	$1,000
2 Year	2.71%	2.75%	$1,000
3 Year	2.96%	3.00%	$1,000
4 Year	3.20%	3.25%	$1,000
5 Year	3.44%	3.50%	$1,000

Online CDs³

Product	Rate	APY	Minimum to Earn Interest
Online 1 Year	1.98%	2.00%	$1,000
Online 2 Year	2.71%	2.75%	$1,000
Online 3 Year	2.96%	3.00%	$1,000
Online 4 Year	3.20%	3.25%	$1,000
Online 5 Year	3.44%	3.50%	$1,000

Our Online CD Accounts allow you to utilize our High Yield Rates from the comfort of your own home. For details about our Online CD Accounts, call us today at (401) 732-1991. Or open your next account online!

Open an Account

1. Annual Percentage Yield (APY) is effective as of 04/02/2025 and subject to change without notice. $1,000 minimum daily balance is required during each monthly cycle period to earn interest. Fees could reduce earnings. Penalty for early withdrawal. Account type is only available in-branch.

2. Annual Percentage Yield (APY) is effective as of 04/02/2025 and subject to change without notice. Minimum daily balance of $1,000 is required
during each monthly cycle period to earn interest. At Maturity, the account will automatically renew for a 1-year term. You will have a grace period of 10 calendar days after the maturity date to withdraw the funds in the account without being charged an early withdrawal penalty. Fees could reduce earnings. Penalty for early withdrawal. Account type is only available in-branch.

3. Annual Percentage Yield (APY) is effective as of 04/02/2025 and subject to change without notice. $1,000 minimum daily balance is required during each monthly cycle period to earn interest. Fees could reduce earnings. Penalty for early withdrawal. Account type is only available online.