3.55% APY 6-Month Relationship CD 1
Special offer for Washington Trust Freedom Ultra or Freedom Plus checking account customers! Open in branch or over the phone.
4.00% APY 7-Month Promo CD 2
Ready, Set, Earn with our 4.00% APY CD. It's an easy way to grow your savings!
3.50% APY 9-Month Relationship CD 3
A great rate when you have a Washington Trust Freedom Ultra or Freedom Plus checking account! Open in branch or over the phone.
3.35% APY 13-Month APY Add-On CD 4
The more you add, the more you earn! With a great fixed rate and unlimited deposits, our 13-Month Add-On CD is an easy way to grow your savings! Open your account online, by phone or at any Washington Trust branch.
4.00% APY Choose Your Term CD 5
Looking for a longer term? Choose a term that works for you, from 1-2 years. Open in branch or on the phone.
 Earn a 0.50% APY Bonus with Freedom Ultra CheckingThe more you save the more you can earn with our High-Rate Savings Account! Open your High-Rate Savings account with a Washington Trust checking account and enjoy the flexibility to make deposits and withdrawals whenever you need. And Freedom Ultra personal checking customers earn an additional 0.50% APY 6 on their High-Rate Savings balances Call us at 800-475-2265 or stop by any branch to open your account today. | High-Rate Savings Account Balance | Interest Rate | APY | APY with Freedom Ultra Checking |
| $250,000 or greater | 2.95% | 3.00% | 3.50% | |
| $50,000.00 - $249,999 | 2.86% | 2.90% | 3.40% | |
| $25,000.00 - $49,999.99 | 1.83% | 1.85% | 2.35% | |
| $2,500.00 - $24,999.99 | 1.73% | 1.75% | 2.25% | |
| $2,499.99 and under | 1.58% | 1.60% | 2.10% | |
| Checking account required. Minimum to Open is $10,000.00. If a Freedom Ultra Checking account holder, minimum is $25.00. |
1 Annual Percentage Yield (APY) is effective as of 4/1/2026. Offer is for a limited time only and may be withdrawn at any time. No municipal or government funds. Minimum balance to open account is $500. Minimum balance to earn stated APY is $0.01. CD withdrawals before maturity date will reduce the APY earned and early withdrawal penalties will be imposed. Fees may reduce earnings. Available to open in branch or over the phone. Washington Trust Freedom Plus or Freedom Ultra checking account required.
2 Annual Percentage Yield (APY) is effective as of 7/14/2026. Offer is for a limited time only and may be withdrawn at any time. No municipal or government funds. Minimum balance to open account is $500. Maximum deposit amount is $5,000,000. Minimum balance to earn stated APY is $0.01. CD withdrawals before maturity date will reduce the APY earned and early withdrawal penalties will be imposed. Fees may reduce earnings. Available to open online, in branch, or over the phone. New money only; funds must be from sources other than Washington Trust. Washington Trust checking account required with a minimum balance of $2,500.
3 Annual Percentage Yield (APY) is effective as of 2/13/2026. Offer is for a limited time only and may be withdrawn at any time. No municipal or government funds. Minimum balance to open account is $500. Minimum balance to earn stated APY is $0.01. CD withdrawals before maturity date will reduce the APY earned and early withdrawal penalties will be imposed. Fees may reduce earnings. Available to open in branch or over the phone. Freedom Plus or Freedom Ultra checking account required.
4 Annual Percentage Yield (APY) is effective as of 4/29/2026. New money only to open; Freedom Ultra checking may use existing funds. Washington Trust checking account required. You may make unlimited deposits into your account before maturity; ACH, Incoming Wire Transfers, and ATM deposits are not allowed. Available to open online, in branch or over the phone. No municipal or government funds or IRA. Minimum balance to open account is $500. Minimum balance to earn stated APY is $0.01. Maximum deposit amount is $5 million. Offer is for a limited time only and may be withdrawn at any time.
5 Annual Percentage Yield (APY) is effective as of 8/26/2026. Washington Trust checking account required. Available to open in branch or over the phone. No municipal or government funds. Minimum balance to open account is $500. Minimum balance to earn stated APY is $0.01. Maximum deposit amount is $5 million. Offer is for a limited time only and may be withdrawn at any time. CD withdrawals before maturity date will reduce the APY earned and early withdrawal penalties will be imposed. Fees may reduce earnings.
6 Annual Percentage Yield (APY) is effective as of 9/10/2026. A Washington Trust checking account is required. The APY is subject to change at any time without notice. Minimum balance to open account is $10,000.00 of non-Washington Trust funds unless a Freedom Ultra Checking account holder then account can be opened with a minimum of $25.00 and may be existing funds. Offer is for a limited time only and may be withdrawn at any time. No municipal or government funds. One account per tax reported owner only. Tax reported owner on checking must match tax reported owner on savings to receive bonus. Fees may reduce earnings. Consumer High Rate Savings: Minimum balance of $2,500.00 average collected daily balance required to avoid monthly service charge of $10.00. No fee will be assessed if the Tax Reported Owner is under age 21 or age 62 and older. Business High Rate Savings: Minimum balance of $3,000.00 average collected daily balance required to avoid monthly service charge of $15.00
Additional Deposit Rates
Certificates of Deposit
Product* | Interest Rate | APY** |
|---|---|---|
| 5 Years | 2.72% | 2.75% |
| 4 Years | 1.63% | 1.65% |
| 3 Years | 1.44% | 1.45% |
| 2 Years | 1.19% | 1.20% |
| 18 Months | 1.14% | 1.15% |
| 12 Months | 1.09% | 1.10% |
| 9 Months | 3.21% | 3.25% |
| 6 Months | 3.25% | 3.30% |
| 91 Days | 1.09% | 1.10% |
Freedom Ultra Checking and Freedom Plus Checking customers receive an extra 0.25% APY on the above rates.
*Minimum balance to earn stated APY $.01. Minimum deposit to open account is $500.00. CD withdrawals before maturity date will reduce the APY earned and early withdrawal penalties will be imposed. Fees may reduce earnings.
**Annual Percentage Yield
Checking & Savings Accounts
| Product | Interest Rate | APY* |
|---|---|---|
| Simply Free Checking (Min. to Open the Account: $25.00) | ||
| $5,000.00 and over | 0.01% | 0.01% |
| $4,999.99 and under | 0.00% | 0.00% |
| Freedom Checking (Min. to Open the Account: $25.00) | ||
| $5,000.00 and over | 0.01% | 0.01% |
| $4,999.99 and under | 0.00% | 0.00% |
| Freedom Plus Checking (Min. to Open the Account: $25.00) | ||
| $1,500.00 and over | 0.05% | 0.05% |
| $1,499.99 and under | 0.00% | 0.00% |
| Freedom Ultra Checking (Min. to Open the Account: $25.00) | ||
| $100,000.00 and over | 0.10% | 0.10% |
| $50,000.00 - $99,999.99 | 0.10% | 0.10% |
| $25,000.00 - $49,999.99 | 0.10% | 0.10% |
| $10,000.00 - $24,999.99 | 0.10% | 0.10% |
| $1,500.00 - $9,999.99 | 0.10% | 0.10% |
| $1,499.99 and under | 0.00% | 0.00% |
| Freedom Statement Savings (Min. to Open the Account: $25.00) | ||
| $1,000,000.00 and over | 0.05% | 0.05% |
| $250,000.00 - $999,999,99 | 0.05% | 0.05% |
| $50,000.00 - $249,999.99 | 0.05% | 0.05% |
| $25,000.00 - $49,999.99 | 0.05% | 0.05% |
| $2,500.00 - $24,999.99 | 0.05% | 0.05% |
| $2,499.99 and under | 0.00% | 0.00% |
*Annual Percentage Yield
Rates may change after the account is opened. Fees may reduce earnings.