Certificates of Deposit & IRAs

Certificates of Deposit (CDs) and IRAs are a great way to plan ahead with terms and rate options to help you meet your financial goals. Open a CD today or discuss setting up an IRA to enhance your long-term financial plans.

Which of our offerings can we help you with today?

Certificates of Deposit

You can earn a higher interest rate when you lock into a specific term for a period of 90 days to 5 years. Open any CD today with our easy online application process.

 

Current CD Account Rates

Current Promotional Rates

Add a BankNewport Personal Checking Account. Open an account

Term APY
New or Existing Money: 
7 Month1 4.25%
9 Month1 4.25%
12 Month1 4.15%
New Money:
N/A

The Annual Percentage Yield (APY) is accurate as of: April 30, 2025

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Disclosures +

1Minimum deposit to open a 7, 9 or 12-Month Certificate of Deposit/IRA is $1,000. A penalty will be imposed for early withdrawal during the term. For IRA accounts, additional IRS penalties may apply. Consult your tax advisor. Offer can be withdrawn at any time.

Certificates of Deposit*

Term APY
6 months 3.00%
18 months 3.75%
24 months 3.75%

The Annual Percentage Yield (APY) is accurate as of: April 30, 2025

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Premium Gold Certificates of Deposit*^

Term APY
6 months 3.00%
18 months 3.75%
24 months 3.75%

The Annual Percentage Yield (APY) is accurate as of: April 30, 2025

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Disclosures +

*Minimum to open a Certificate of Deposit is $1,000. A penalty will be imposed for early withdrawal during the term of the CD.

^To be eligible for a Premium Gold CD, you must have at the time of account opening a BN Premium Checking Account.

IRAs

Traditional, Roth and Education IRA (Individual Retirement Account) certificates are available for periods of 6 months or more.

Current IRA Rates

Current Promotional Rates

Add a BankNewport Personal Checking Account. Open an account

Term APY
New or Existing Money 
7 Months1 4.25%
9 Months1 4.25%
12 Months1 4.15%
New Money
N/A

The Annual Percentage Yield (APY) is accurate as of: April 30, 2025

Disclosures +

1Minimum deposit to open a 7, 9 or 12-Month Certificate of Deposit/IRA is $1,000. A penalty will be imposed for early withdrawal during the term. For IRA accounts, additional IRS penalties may apply. Consult your tax advisor. Offer can be withdrawn at any time.

IRAs*

Term APY
6 months 3.00%
18 months 3.75%
24 months 3.75%

The Annual Percentage Yield (APY) is accurate as of: April 30, 2025


Premium Gold IRAs*^

Term  APY
6 months 3.00%
18 months 3.75%
24 months 3.75%

The Annual Percentage Yield (APY) is accurate as of: April 30, 2025

 

Disclosure +

*Minimum to open an IRA is $500. A penalty will be imposed for early withdrawal during the term of the IRA.

^To be eligible for a Premium Gold IRA, you must have at the time of account opening a BN Premium Checking Account.


IRA Statement Savings

IRA Statement Savings offers a great way to save money so you can start building your retirement savings when ready.

Minimum Deposit to Open Minimum Daily Balance to Earn APY APY †
$100.00 $100.00 0.05%

The Annual Percentage Yield (APY) is accurate as of: April 30, 2025

Disclosure +

† The rate may change after the account is opened. Fees could reduce the earnings on the account.