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
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 Offer can be withdrawn at any time.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
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
*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
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 Offer can be withdrawn at any time.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
*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
† The rate may change after the account is opened. Fees could reduce the earnings on the account.