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.
3.35% APY 8-Month CD 2
Lock in this great rate for 8 months. No checking account required and you can open in branch, over the phone, or online.
3.70% APY 8-Month Relationship CD 3
Spring Into Savings with our 8-month Relationship CD. Get our best rate when you have a Washington Trust checking account! Open in branch or over the phone.
3.50% APY 9-Month Relationship CD 4
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 5
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.
3.60% APY Choose Your Term CD 6
Looking for a longer term? Choose a term that works for you, from 1-2 years. Open in branch or on the phone.
 Our High-Rate Savings Account 7 is perfect to help you save for what you need. The higher your balance, the more you can earn! You have access to your money and the flexibility to make deposits and withdrawals at any time. If you start with a lower balance and make additional deposits, we’ll automatically increase your rate! Call us at 800-475-2265 or stop by any branch. | High-Rate Savings Account (Min. to Open the Account: $10,000.00, if Freedom Ultra Checking holder $25.00) | Interest Rate | APY |
| $250,000 or greater | 2.95% | 3.00% | |
| $50,000.00 - $249,999 | 2.86% | 2.90% | |
| $25,000.00 - $49,999.99 | 1.83% | 1.85% | |
| $2,500.00 - $24,999.99 | 1.73% | 1.75% | |
| $2,499.99 and under | 1.58% | 1.60% |
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 Offer is for a limited time only and may be withdrawn at any time.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 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 Offer is for a limited time only and may be withdrawn at any time.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. 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. New money only; funds must be from sources other than Washington Trust.
3 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. 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 in branch or over the phone. Washington Trust checking account required. New money only; funds must be from sources other than Washington Trust.
4 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.
5 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.
6 Annual Percentage Yield (APY) is effective as of 4/29/2026. 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.
7 Annual Percentage Yield (APY) is effective as of 2/13/2026. 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. Fees may reduce earnings.
Additional Deposit Rates
Certificates of Deposit
Product* | Interest Rate | APY** |
|---|---|---|
| 5 Years | 1.73% | 1.75% |
| 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) | ||
| $50,000.00 - $99,999.99 | 0.10% | 0.10% |
| $25,000.00 - $49,999.99 | 0.10% | 0.10% |
| $100,000.00 and over | 0.10% | 0.10% |
| $10,000.00 - $24,999.99 | 0.10% | 0.10% |
| $1,500.00 - $9,999.99 | 0.10% | 0.10% |
| Under $1,499.99 | 0.00% | 0.00% |
| Freedom Statement Savings (Min. to Open the Account: $25.00) | ||
| $1,000,000.00 and over | 0.05% | 0.05% |
| $50,000.00 - $249,999.99 | 0.05% | 0.05% |
| $250,000.00 - $999,999,99 | 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.