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.
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.
CD Account Rates
Current Promotional Rates
| Term | APY |
| New Money: N/A | N/A |
| Existing Money: | |
| 11 Month** | 5.00% |
The Annual Percentage Yield (APY) is accurate as of: December 13, 2025
**Minimum to open a 10 Month, 11 Month, 18 Month, and 24 Month Special (Existing Money) Certificate of Deposit is $1,000, minimum to open a 10 Month, 11 Month, 18 Month, and 24 Month Special (Existing Money) IRA is $500. A penalty will be imposed for early withdrawal during the term of the CD/IRA. For IRA accounts, additional IRS penalties may apply. A BankNewport personal checking account is required. Consult your tax advisor. Offer may be withdrawn at any time.
Certificates of Deposit*
| Term | APY |
| 3 months | 0.15% |
| 6 months | 0.20% |
| 12 months | 0.25% |
| 18 months | 0.30% |
| 24 months | 0.35% |
| 36 months | 0.50% |
| 48 months | 0.60% |
| 60 months | 0.75% |
The Annual Percentage Yield (APY) is accurate as of: December 13, 2025
Premium Gold Certificates of Deposit*^
| Term | APY |
| 3 months | 0.20% |
| 6 months | 0.25% |
| 12 months | 0.35% |
| 18 months | 0.40% |
| 24 months | 0.45% |
| 36 months | 0.60% |
| 48 months | 0.75% |
| 60 months | 1.00% |
The Annual Percentage Yield (APY) is accurate as of: December 13, 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.
Current Promotions
The Annual Percentage Yield (APY) is accurate as of: December 13, 2025
**Minimum to open an 11-Month Special (Existing Money) Certificate of Deposit is $1,000, minimum to open an 11-Month Special (Existing Money) IRA is $500. A penalty will be imposed for early withdrawal during the term of the CD/IRA. For IRA accounts, additional IRS penalties may apply. Consult your tax advisor. A BankNewport personal checking account is required for the CD/IRA Specials.
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
| Term | |
| New Money | N/A |
| Existing Money | |
| 11 Month** | 5.00% |
The Annual Percentage Yield (APY) is accurate as of: December 13, 2025
**Minimum to open a 10 Month, 18 Month, and 24 Month Special (Existing Money) Certificate of Deposit is $1,000, minimum to open a 10 Month, 18 Month, and 24 Month Special (Existing Money) IRA is $500. A penalty will be imposed for early withdrawal during the term of the CD/IRA. For IRA accounts, additional IRS penalties may apply. A BankNewport personal checking account is required. Consult your tax advisor. Offer may be withdrawn at any time.
IRAs*
| Terms | APY |
| 6 months | 0.20% |
| 12 months | 0.25% |
| 18 months | 0.30% |
| 24 months | 0.35% |
| 36 months | 0.50% |
| 48 months | 0.60% |
| 60 months | 0.75% |
The Annual Percentage Yield (APY) is accurate as of: December 13, 2025
Premium Gold IRAs*^
| Term | APY |
| 6 months | 0.25% |
| 12 months | 0.35% |
| 18 months | 0.40% |
| 24 months | 0.45% |
| 36 months | 0.60% |
| 48 months | 0.75% |
| 60 months | 1.00% |
The Annual Percentage Yield (APY) is accurate as of: December 13, 2025
*Minimum to open a IRA Certificate of Deposit is $500. 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.
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: December 13, 2025
† The rate may change after the account is opened. Fees could reduce the earnings on the account.
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