Webster First Federal Credit Union CD & Share Certificate Rates — October 2026
As of October 22, 2026, Webster First Federal Credit Union's highest tracked CD (share certificate) rate is 4.30% APY on a 9-month promotional CD ($1,000 minimum). That is 3.1 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 0.76% to 4.00% APY.
Tracking began .
Webster First Federal Credit Union CD & share certificate rates
Membership required. Share certificates from 6 to 60 months, including 9- and 15-month specials; minimums are $500–$1,000 by term. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 3 months | 3 Month Certificate | $1,000 | 0.76% | −3.54% | Top 81% of tracked 3-month CDs · Verified October 22, 2026 |
| 6 months | 6 Month Certificate | $1,000 | 4.00% | −0.40% | Top 19% of tracked 6-month CDs · Verified October 22, 2026 |
| 9 months | 9 Month Special Certificate Promotional | $1,000 | 4.30% | −0.18% | Top 8% of tracked 9-month CDs · Verified October 22, 2026 |
| 12 months | 12 Month Certificate | $500 | 3.95% | −0.62% | Top 30% of tracked 12-month CDs · Verified October 22, 2026 |
| 15 months | 15 Month Special Certificate Promotional | $500 | 3.75% | −0.90% | Verified October 22, 2026 |
| 24 months | 24 Month Certificate | $500 | 1.51% | −3.36% | Top 87% of tracked 24-month CDs · Verified October 22, 2026 |
| 36 months | 36 Month Certificate | $500 | 1.51% | −3.44% | Top 86% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | 48 Month Certificate | $500 | 1.51% | −3.47% | Top 84% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | 60 Month Certificate | $500 | 1.51% | −3.50% | Top 85% of tracked 60-month CDs · Verified October 22, 2026 |
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 4.30% APY (9 months). The standard rate for a similar term is 4.00% APY (6 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $30 less per year. Check the account terms and set a reminder before maturity.
Calculate the cost of auto-renewal · Set a maturity reminder
What are Webster First Federal Credit Union's best CD rates by term?
Webster First Federal Credit Union's best rate is 4.30% APY on 9 months, verified October 22, 2026.
- 3 mo0.76%
- 6 mo4.00%
- 9 mo4.30%
- 12 mo3.95%
- 15 mo3.75%
- 24 mo1.51%
- 36 mo1.51%
- 48 mo1.51%
- 60 mo1.51%
How much interest could a Webster First Federal Credit Union CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$321.09 interest · $10,321.09 at maturity on $10,000.00.
4.30% APY · 9 months · 9 Month Special Certificate · Promotional · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $9.450.76% APY · 3 Month Certificate · Standard | $18.890.76% APY · 3 Month Certificate · Standard | $47.240.76% APY · 3 Month Certificate · Standard | $94.470.76% APY · 3 Month Certificate · Standard |
| 6 months | $99.294.00% APY · 6 Month Certificate · Standard | $198.594.00% APY · 6 Month Certificate · Standard | $496.474.00% APY · 6 Month Certificate · Standard | $992.934.00% APY · 6 Month Certificate · Standard |
| 9 months | $160.554.30% APY · 9 Month Special Certificate · Promotional | $321.094.30% APY · 9 Month Special Certificate · Promotional | $802.744.30% APY · 9 Month Special Certificate · Promotional | $1,605.474.30% APY · 9 Month Special Certificate · Promotional |
| 12 months | $197.503.95% APY · 12 Month Certificate · Standard | $395.003.95% APY · 12 Month Certificate · Standard | $987.503.95% APY · 12 Month Certificate · Standard | $1,975.003.95% APY · 12 Month Certificate · Standard |
| 15 months | $235.333.75% APY · 15 Month Special Certificate · Promotional | $470.663.75% APY · 15 Month Special Certificate · Promotional | $1,176.663.75% APY · 15 Month Special Certificate · Promotional | $2,353.313.75% APY · 15 Month Special Certificate · Promotional |
| 24 months | $152.141.51% APY · 24 Month Certificate · Standard | $304.281.51% APY · 24 Month Certificate · Standard | $760.701.51% APY · 24 Month Certificate · Standard | $1,521.401.51% APY · 24 Month Certificate · Standard |
| 36 months | $229.941.51% APY · 36 Month Certificate · Standard | $459.871.51% APY · 36 Month Certificate · Standard | $1,149.691.51% APY · 36 Month Certificate · Standard | $2,299.371.51% APY · 36 Month Certificate · Standard |
| 48 months | $308.911.51% APY · 48 Month Certificate · Standard | $617.821.51% APY · 48 Month Certificate · Standard | $1,544.551.51% APY · 48 Month Certificate · Standard | $3,089.091.51% APY · 48 Month Certificate · Standard |
| 60 months | $389.071.51% APY · 60 Month Certificate · Standard | $778.151.51% APY · 60 Month Certificate · Standard | $1,945.371.51% APY · 60 Month Certificate · Standard | $3,890.741.51% APY · 60 Month Certificate · Standard |
How Webster First Federal Credit Union compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 274-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 8 of 142 tracked institutions with fresh 274-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| Webster First Federal Credit Union (this institution)9 Month Special Certificate · Promotional | 9 months | $1,000 | Membership required · branches in MA | 4.30% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional | 9 months | Not stated | Available nationwide | 4.40% | October 22, 2026 |
| CIBC Bank USA (CIBC Agility)CIBC Agility™ Certificate of Deposit (CD) · Standard | 9 months | $1,000 | Available nationwide | 4.35% | October 22, 2026 |
| Marcus by Goldman SachsHigh-Yield CD · Standard | 9 months | $500 | Available nationwide | 4.30% | October 22, 2026 |
| Justice Federal Credit Union (highest tracked APY for this term)9-Month Special Certificate · Relationship | 9 months | $100,000 | Membership required · branches in 9 states | 5.35% | October 22, 2026 |
| Treasury (APY-equivalent) | 9 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.48% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Webster First Federal Credit Union on October 22, 2026.
About Webster First Federal Credit Union
- Legal name
- Webster First Federal Credit Union
- Regulator ID
- NCUA 24557
- Headquarters
- Worcester, MA
- Available in
- MA
- Total assets
- $1.5 billion
- Also known as
- Website
- www.websterfirst.com
Source: rates read from https://www.websterfirst.com/rates/. See the page text we read.
Frequently asked questions
What is the highest CD rate at Webster First Federal Credit Union?
Among the rates we track, 4.30% APY on a 9-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a Webster First Federal Credit Union CD?
The lowest minimum we found is $500; jumbo and higher balance tiers start at up to $1,000.
How does Webster First Federal Credit Union's best CD rate compare with Treasury yields?
4.30% APY is −0.18% versus the 9-month Treasury yield of 4.48% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.30% a good CD rate?
It is 3.1 times the FDIC national average for a similar term (1.39% 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 First Federal Credit Union CDs insured?
Webster First Federal Credit Union is a federally insured credit union (NCUA 24557). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.
What is a share certificate at Webster First Federal Credit Union?
A share certificate is the credit union equivalent of a bank CD: a term deposit that pays a stated yield when its conditions are met. Membership requirements, minimum deposits and early withdrawal terms depend on the credit union and product.
How often is this page updated?
We check Webster First Federal Credit Union's rate page every day. The rates above were last verified on October 22, 2026.
More credit union certificate rates
Rates are copied from Webster First Federal Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Webster First Federal Credit Union before opening an account. This page is not financial advice.