# Winchester Savings Bank CD rates

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.

Canonical page: https://apyledger.com/cd-rates/winchester-savings-bank
Institution: Winchester Savings Bank (FDIC 90308)
Aliases: 
Status: live
Last verified: 2026-10-22T16:26:04.000Z (October 22, 2026)
Official source: https://www.winchestersavings.com/rates/deposit
Coverage: 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.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 91 Day Certificate | standard | 91 days | $500 | 0.30% | Not ZIP-priced | −4.00% | 2026-10-22T16:26:04.000Z | [Snapshot 424](https://apyledger.com/snapshots/424) |
| 4 Month Certificate | standard | 4 months | $500 | 3.60% | Not ZIP-priced | −0.79% | 2026-10-22T16:26:04.000Z | [Snapshot 424](https://apyledger.com/snapshots/424) |
| 182 Day Certificate | standard | 182 days | $500 | 0.60% | Not ZIP-priced | −3.80% | 2026-10-22T16:26:04.000Z | [Snapshot 424](https://apyledger.com/snapshots/424) |
| 7 Month Certificate | standard | 7 months | $500 | 3.75% | Not ZIP-priced | −0.68% | 2026-10-22T16:26:04.000Z | [Snapshot 424](https://apyledger.com/snapshots/424) |
| 9 Month Certificate | standard | 9 months | $500 | 4.01% | Not ZIP-priced | −0.47% | 2026-10-22T16:26:04.000Z | [Snapshot 424](https://apyledger.com/snapshots/424) |
| 11 Month Certificate | standard | 11 months | $500 | 4.01% | Not ZIP-priced | −0.53% | 2026-10-22T16:26:04.000Z | [Snapshot 424](https://apyledger.com/snapshots/424) |
| 1 Year Certificate | standard | 12 months | $500 | 0.45% | Not ZIP-priced | −4.12% | 2026-10-22T16:26:04.000Z | [Snapshot 424](https://apyledger.com/snapshots/424) |
| 15 Month Certificate | standard | 15 months | $500 | 0.50% | Not ZIP-priced | −4.15% | 2026-10-22T16:26:04.000Z | [Snapshot 424](https://apyledger.com/snapshots/424) |
| 18 Month Certificate | standard | 18 months | $500 | 2.75% | Not ZIP-priced | −1.97% | 2026-10-22T16:26:04.000Z | [Snapshot 424](https://apyledger.com/snapshots/424) |
| 2 Year Certificate | standard | 24 months | $500 | 2.52% | Not ZIP-priced | −2.35% | 2026-10-22T16:26:04.000Z | [Snapshot 424](https://apyledger.com/snapshots/424) |
| 3 Year Certificate | standard | 36 months | $500 | 0.70% | Not ZIP-priced | −4.25% | 2026-10-22T16:26:04.000Z | [Snapshot 424](https://apyledger.com/snapshots/424) |
| 5 Year Certificate | standard | 60 months | $500 | 0.80% | Not ZIP-priced | −4.21% | 2026-10-22T16:26:04.000Z | [Snapshot 424](https://apyledger.com/snapshots/424) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.