Winchester Savings Bank CD Rates — October 2026
As of October 22, 2026, Winchester Savings Bank's highest tracked CD rate is 4.01% APY on a 9-month CD ($500 minimum). That is 2.9 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 0.30% to 4.01% APY.
Tracking began .
Winchester Savings Bank CD rates
Certificates from 91 days to 5 years, including 4-, 7-, 9- and 11-month offers; $500 to open and $10 to earn the APY. Early withdrawal penalties may apply.
| Term | Product | APY |
|---|---|---|
| 91 days | 91 Day Certificate | 0.30%Top 89% · $10k reference sampleVerified October 22, 2026 |
| 4 months | 4 Month Certificate | 3.60%Verified October 22, 2026 |
| 182 days | 182 Day Certificate | 0.60%Verified October 22, 2026 |
| 7 months | 7 Month Certificate | 3.75%Verified October 22, 2026 |
| 9 months | 9 Month Certificate | 4.01%Top 19% · $10k reference sampleVerified October 22, 2026 |
| 11 months | 11 Month Certificate | 4.01%Verified October 22, 2026 |
| 12 months | 1 Year Certificate | 0.45%Top 94% · $10k reference sampleVerified October 22, 2026 |
| 15 months | 15 Month Certificate | 0.50%Verified October 22, 2026 |
| 18 months | 18 Month Certificate | 2.75%Top 75% · $10k reference sampleVerified October 22, 2026 |
| 24 months | 2 Year Certificate | 2.52%Top 73% · $10k reference sampleVerified October 22, 2026 |
| 36 months | 3 Year Certificate | 0.70%Top 89% · $10k reference sampleVerified October 22, 2026 |
| 60 months | 5 Year Certificate | 0.80%Top 88% · $10k reference sampleVerified 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.
What are Winchester Savings Bank's best CD rates by term?
Winchester Savings Bank's best rate is 4.01% APY on 9 months, verified October 22, 2026.
- 91 days0.30%
- 4 mo3.60%
- 182 days0.60%
- 7 mo3.75%
- 9 mo4.01%
- 11 mo4.01%
- 12 mo0.45%
- 15 mo0.50%
- 18 mo2.75%
- 24 mo2.52%
- 36 mo0.70%
- 60 mo0.80%
How much interest could a Winchester Savings Bank 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.
$299.54 interest · $10,299.54 at maturity on $10,000.00.
4.01% APY · 9 months · 9 Month Certificate · Standard · 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 |
|---|---|---|---|---|
| 91 days | $3.740.30% APY · 91 Day Certificate · Standard | $7.470.30% APY · 91 Day Certificate · Standard | $18.680.30% APY · 91 Day Certificate · Standard | $37.360.30% APY · 91 Day Certificate · Standard |
| 4 months | $59.463.60% APY · 4 Month Certificate · Standard | $118.913.60% APY · 4 Month Certificate · Standard | $297.293.60% APY · 4 Month Certificate · Standard | $594.573.60% APY · 4 Month Certificate · Standard |
| 182 days | $14.940.60% APY · 182 Day Certificate · Standard | $29.870.60% APY · 182 Day Certificate · Standard | $74.680.60% APY · 182 Day Certificate · Standard | $149.360.60% APY · 182 Day Certificate · Standard |
| 7 months | $108.583.75% APY · 7 Month Certificate · Standard | $217.163.75% APY · 7 Month Certificate · Standard | $542.893.75% APY · 7 Month Certificate · Standard | $1,085.783.75% APY · 7 Month Certificate · Standard |
| 9 months | $149.774.01% APY · 9 Month Certificate · Standard | $299.544.01% APY · 9 Month Certificate · Standard | $748.864.01% APY · 9 Month Certificate · Standard | $1,497.724.01% APY · 9 Month Certificate · Standard |
| 11 months | $183.724.01% APY · 11 Month Certificate · Standard | $367.444.01% APY · 11 Month Certificate · Standard | $918.614.01% APY · 11 Month Certificate · Standard | $1,837.224.01% APY · 11 Month Certificate · Standard |
| 12 months | $22.500.45% APY · 1 Year Certificate · Standard | $45.000.45% APY · 1 Year Certificate · Standard | $112.500.45% APY · 1 Year Certificate · Standard | $225.000.45% APY · 1 Year Certificate · Standard |
| 15 months | $31.250.50% APY · 15 Month Certificate · Standard | $62.500.50% APY · 15 Month Certificate · Standard | $156.260.50% APY · 15 Month Certificate · Standard | $312.520.50% APY · 15 Month Certificate · Standard |
| 18 months | $207.862.75% APY · 18 Month Certificate · Standard | $415.712.75% APY · 18 Month Certificate · Standard | $1,039.282.75% APY · 18 Month Certificate · Standard | $2,078.552.75% APY · 18 Month Certificate · Standard |
| 24 months | $255.182.52% APY · 2 Year Certificate · Standard | $510.352.52% APY · 2 Year Certificate · Standard | $1,275.882.52% APY · 2 Year Certificate · Standard | $2,551.752.52% APY · 2 Year Certificate · Standard |
| 36 months | $105.740.70% APY · 3 Year Certificate · Standard | $211.470.70% APY · 3 Year Certificate · Standard | $528.680.70% APY · 3 Year Certificate · Standard | $1,057.370.70% APY · 3 Year Certificate · Standard |
| 60 months | $203.230.80% APY · 5 Year Certificate · Standard | $406.450.80% APY · 5 Year Certificate · Standard | $1,016.130.80% APY · 5 Year Certificate · Standard | $2,032.260.80% APY · 5 Year Certificate · Standard |
How Winchester Savings Bank 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 19 of 94 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 | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| Winchester Savings Bank (this institution)9 Month Certificate · Standard | 9 months | $500 | Coverage: MA | 4.01% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional | 9 months | Not stated | Nationwide; check eligibility | 4.40% | October 22, 2026 |
| CIBC Bank USA (CIBC Agility)CIBC Agility™ Certificate of Deposit (CD) · Standard | 9 months | $1,000 | Nationwide; check eligibility | 4.35% | October 22, 2026 |
| Marcus by Goldman SachsHigh-Yield CD · Standard | 9 months | $500 | Nationwide; check eligibility | 4.30% | October 22, 2026 |
| Justice Federal Credit Union (highest tracked APY for this term)9-Month Special Certificate · Relationship | 9 months | $100,000 | Coverage: CA, DC, FL, GA, IL, NY, TX, VA, WV | 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 Winchester Savings Bank on October 22, 2026.
About Winchester Savings Bank
- Legal name
- Winchester Savings Bank
- Regulator ID
- FDIC 90308
- Headquarters
- Winchester, MA
- Available in
- MA
- Total assets
- $1.1 billion
- Also known as
- Website
- www.winchestersavings.com
Source: rates read from https://www.winchestersavings.com/rates/deposit. See the page text we read.
Frequently asked questions
What is the highest CD rate at Winchester Savings Bank?
Among the rates we track, 4.01% APY on a 9-month CD, as of October 22, 2026.
What is the minimum deposit for a Winchester Savings Bank CD?
The lowest minimum we found is $500.
How does Winchester Savings Bank's best CD rate compare with Treasury yields?
4.01% APY is −0.47% 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 4.01% a good CD rate?
It is 2.9 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 Winchester Savings Bank CDs insured?
Winchester Savings Bank is an FDIC-insured bank (FDIC 90308). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Winchester Savings Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Winchester Savings Bank's website and may change at any time. Confirm terms, minimums and eligibility with Winchester Savings Bank before opening an account. This page is not financial advice.