Credit union · NCUA insured
Webster First Federal Credit Union CD Rates
Webster First Federal Credit Union’s best CD rate is 4.30% APY on a 9-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Webster First Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Worcester, MA, where Webster First Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Webster First Federal Credit Union
4.30%APY
- Term
- 9 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $321
High Yield Share Certificate
Top rate
Hanscom Federal Credit Union
4.50%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $450
2nd-highest rate
Central One Federal Credit Union
4.45%APY
- Term
- 15 months
- Requires
- Another account
- Minimum
- $10,000
- Earns on $10,000
- $559
Webster First Federal Credit Union CD score
87
CD score
Higher than 77% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.30%
- 16–30 months16–30 mo1.51%
- 31–60 months31–60 mo1.51%
- QualifiedQualified4.30%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Webster First Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
High Yield Share Certificate
Up to 4.30%APY · 9 terms
Must live, work, worship, or attend school in Essex, Middlesex, Suffolk, or Worcester County or be a current Webster First member. Enrollment in Webster First Federal Credit Union membership required to complete certificate ownership.
| Term | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | — | 0.76% | 0.76% | $19 |
| 6 months | — | 4.00% | 4.00% | $198 |
| 9 months9 Month Special | — | 4.30% | 4.30% | $321 |
| 12 months | 3.95% | — | 3.95% | $395 |
| 15 months15 Month Special | 3.75% | — | 3.75% | $471 |
| 24 months | 1.51% | — | 1.51% | $304 |
| 36 months | 1.51% | — | 1.51% | $460 |
| 48 months | 1.51% | — | 1.51% | $618 |
| 60 months | 1.51% | — | 1.51% | $778 |
Special-purpose accounts
IRA Certificate
Up to 4.30%APY · 8 terms
To open you must live, work, worship, or attend school in Essex, Middlesex, Suffolk, or Worcester County or be a current Webster First member. $100 minimum deposit. Must be opened in person at one of our local branches.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.00% | $198 |
| 9 months9 Month Special | 4.30% | $321 |
| 12 months | 3.95% | $395 |
| 15 months15 Month Special | 3.75% | $471 |
| 24 months | 1.51% | $304 |
| 36 months | 1.51% | $460 |
| 48 months | 1.51% | $618 |
| 60 months | 1.51% | $778 |
Sources (1)
- websterfirst.com/bank/iras · captured Oct 9, 2026
Who can join Webster First Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Essex, Middlesex, Suffolk, or Worcester Counties of Massachusetts are eligible to join.
Employers and groups
- Current Webster First employees, community volunteers, and surviving spouses of individuals who died while within the field of membership are eligible to join.
- Businesses and other legal entities located in Worcester, Essex, Middlesex, or Suffolk Counties, Massachusetts are eligible to join.
Family and household
- Members of the immediate family or household, and organizations of anyone meeting eligibility qualifications, are eligible to join.
Membership information collected October 5, 2026.