APY Ledger

Webster Bank CD Rates — October 2026

As of October 22, 2026, Webster Bank's highest CD rate is 4.25% APY on an 11-month promotional CD ($500 minimum). That is 2.4 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 0.01% to 0.01% APY.

Last verified from www.websterbank.com · FDIC-insured bank · Wilmington, DE

Best APY4.25%11 months, $500 min
vs. Treasury−0.29%same-term Treasury 4.54%
vs. national average2.4×FDIC national average 1.76%
After inflation0.51%CPI 3.7% year over year
$10,000 earns$389over 11 months, before tax

Webster Bank CD rates

Webster Bank, N.A. (FDIC 18221) merged into Santander Bank, N.A. (FDIC 29950) on August 20, 2026, according to FDIC records. Rates below are the ones still published at websterbank.com.

Webster Bank CD rates
TermProductMinimumAPYvs. Treasury
30 days Private 30 Day Relationship $500 0.02% −4.11%
30 days 30 Day $500 0.01% −4.12%
3 months Private 3 Month Relationship $500 0.02% −4.28%
3 months 3 Month $500 0.01% −4.29%
5 months Private 5 Month Relationship $500 0.02% −4.37%
5 months 5 Month $500 0.01% −4.38%
6 months Private 6 Month Relationship $500 0.02% −4.38%
6 months 6 Month $500 0.01% −4.39%
7 months Private 7 Month Relationship $500 0.02% −4.41%
7 months 7 Month $500 0.01% −4.42%
8 months Private 8 Month Relationship $500 0.02% −4.43%
8 months 8 Month $500 0.01% −4.44%
9 months Private 9 Month Relationship $500 0.02% −4.46%
9 months 9 Month $500 0.01% −4.47%
10 months Private 10 Month Relationship $500 0.02% −4.49%
10 months 10 Month $500 0.01% −4.50%
11 months Private 11 Month Promotional $500 4.25% −0.29%
11 months 11 Month Promotional $500 4.00% −0.54%
12 months Private 12 Month Relationship $500 0.02% −4.55%
12 months 12 Month $500 0.01% −4.56%
18 months Private 18 Month Promotional $500 4.00% −0.72%
18 months 18 Month Promotional $500 3.75% −0.97%
24 months Private 2 Year Relationship $500 0.02% −4.85%
24 months 2 Year $500 0.01% −4.86%
36 months Private 3 Year Relationship $500 0.02% −4.93%
36 months 3 Year $500 0.01% −4.94%
48 months Private 4 Year Relationship $500 0.02% −4.96%
48 months 4 Year $500 0.01% −4.97%
60 months Private 5 Year Relationship $500 0.02% −4.99%
60 months 5 Year $500 0.01% −5.00%

APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.

Watch the renewal rate

The best promotional rate here is 4.25% APY (11 months). The standard rate for a similar term is 0.01% APY (12 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $424 less per year. Check the account terms and set a reminder before maturity.

Calculate the cost of auto-renewal

Best rate by term

  1. 30 days0.02%
  2. 3 mo0.02%
  3. 5 mo0.02%
  4. 6 mo0.02%
  5. 7 mo0.02%
  6. 8 mo0.02%
  7. 9 mo0.02%
  8. 10 mo0.02%
  9. 11 mo4.25%
  10. 12 mo0.02%
  11. 18 mo4.00%
  12. 24 mo0.02%
  13. 36 mo0.02%
  14. 48 mo0.02%
  15. 60 mo0.02%

Calculate earnings at 4.25% for 11 months

How Webster Bank compares

Rate changes

No changes since we started tracking Webster Bank on October 22, 2026.

About Webster Bank

Legal name
Santander Bank, N.A.
Regulator ID
FDIC 29950
Headquarters
Wilmington, DE
Available in
CT, DE, FL, MA, NH, NJ, NY, PA, RI
Also known as
Webster
Website
www.websterbank.com

Source: rates read from https://www.websterbank.com/security/protect-yourself/disclosure-fees/consumer-deposit-rates/. See the page text we read.

Frequently asked questions

What is the highest CD rate at Webster Bank?

4.25% APY on an 11-month promotional CD, as of October 22, 2026.

What is the minimum deposit for a Webster Bank CD?

The lowest minimum we found is $500.

How does Webster Bank's best CD rate compare with Treasury yields?

4.25% APY is −0.29% versus the 11-month Treasury yield of 4.54% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.

Is 4.25% a good CD rate?

It is 2.4 times the FDIC national average for a similar term (1.76% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.

Are Webster Bank CDs insured?

Webster Bank is an FDIC-insured bank (FDIC 29950). Deposits are insured up to $250,000 per depositor, per ownership category.

How often is this page updated?

We check Webster Bank's rate page every day. The rates above were last verified on October 22, 2026.

More CD rates

Rates are copied from Webster Bank's website and may change at any time. Confirm terms, minimums and eligibility with Webster Bank before opening an account. This page is not financial advice.