Rates

Rates and fees subject to change without prior notice. Fees may reduce earnings for accounts where fees apply. Rates current as of June 18, 2024.

Invest your money the secure way with a high yield share certificate

  • Earn up to 5.13% APY8 with our 7 month special
  • Earn up to 4.60% APY9 with our 11 month special
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8APY = Annual Percentage Yield. APY is accurate as of March 27, 2024. Penalty may be imposed for early withdrawal. Fees may reduce earnings. Minimum balance to obtain these rates is $1,000 and cannot be transferred from an existing Webster First Federal Credit Union account. Term of the advertised rate is 7 months. Rates subject to change. Limited time offer.

9APY = Annual Percentage Yield. APY is accurate as of May 20, 2024. Penalty may be imposed for early withdrawal. Fees may reduce earnings. Minimum balance to obtain this rate is $1,000. Term of the advertised rate is 11 months. Rates subject to change. Limited time offer.

Fees

Our Schedule of Fees and Service Charges shows everything at a glance.

View Fee Schedule

Savings Rates

Type Dividend Rate APY1 Min Balance3
Primary Share .05% .05% $5.00
All Purpose Club⁵ .05% .05% $10.00
1:APY = Annual Percentage Yield. Compounds daily.
3:Minimum daily balance in your account each day to obtain the disclosed annual percentage yield.
5: Minimum balance required to open this account is $1.00.
All rates subject to change without prior notice. Fees may reduce earnings for accounts where fees apply.

Money Market Rates

Type Dividend Rate APY1 Min Balance3
Money Market .15% .15% $1,000.00
.10% .10% $5.00 - $999.99
Money Market Plus⁴ .20% .20% $100,000.00
.15% .15% $50,000.00 - $99,999.99
.15% .15% $25,000.00 - $49,999.99
.15% .15% $1,000.00 - $24,999.99
.10% .10% $0.00 - $999.99
1:APY = Annual Percentage Yield. Compounds daily.
3:Minimum daily balance in your account each day to obtain the disclosed annual percentage yield.
4:If Money Market Plus criteria isn’t met in any given month, regular Money Market rates will apply for that month. Money Market Plus criteria is: must have active checking account with minimum of one direct deposit into the checking account and ten debit card transactions from the checking account per statement cycle to qualify for higher rates, otherwise standard money market rates apply. The minimum balance to open the account is $1,000.00.
All rates subject to change without prior notice. Fees may reduce earnings for accounts where fees apply.

Personal Checking Rates

Type Dividend Rate APY1 Min Balance3
First Advantage Checking² .01% .01% $0.00
Jump Start Checking² .01% .01% $0.00
1:APY = Annual Percentage Yield. Compounds daily.
2:Minimum balance required to open this account is $5.00.
3:Minimum daily balance in your account each day to obtain the disclosed annual percentage yield.
All rates subject to change without prior notice. Fees may reduce earnings for accounts where fees apply.

Business Checking Rates

Type Dividend Rate APY1 Min Balance3
Elite Business .05% .05% $100,000.00
.02% .02% $50,000 to $99,999.99
.02% .02% $25,000 to $49,999.99
.01% .01% $10,000 to $24,999.99
.01% .01% $1,000 to $9,999.99
.01% .01% $0.00 to $999.99
1:APY = Annual Percentage Yield. Compounds daily.
3:Minimum daily balance in your account each day to obtain the disclosed annual percentage yield.
All rates subject to change without prior notice. Fees may reduce earnings for accounts where fees apply.

Certificate Rates

Type Dividend Rate APY1 Min Balance
3 Month .75% .76% $1,000
6 Month .85% .85% $1,000
7 Month Special2 5.00% 5.13% $1,000
11 Month Special 4.50% 4.60% $1,000
12 Month 4.00% 4.08% $500
24 Month 1.50% 1.51% $500
36 Month 1.50% 1.51% $500
48 Month 1.50% 1.51% $500
60 Month 1.50% 1.51% $500
4 Month Elite Business Certificate Special3 4.25% 4.34% $25,000
1:APY = Annual Percentage Yield. Compounds daily. Penalty may be imposed for early withdrawal.
2:Minimum balance to obtain these rates is $1,000 and cannot be transferred from an existing Webster First Federal Credit Union account. Limited time offer.
3:Minimum balance to obtain these rates is $25,000 and cannot be transferred from an existing Webster First Federal Credit Union account. An Elite Business Checking account is required. Limited time offer.
All rates subject to change without prior notice. Fees may reduce earnings.

IRA Certificate Rates

Type Dividend Rate APY1 Min Balance
7 Month Special2 5.00% 5.13% $1,000
11 Month Special 4.50% 4.60% $1,000
12 Month 4.00% 4.08% $100
24 Month 1.50% 1.51% $100
36 Month 1.50% 1.51% $100
48 Month 1.50% 1.51% $100
60 Month 1.50% 1.51% $100
1:APY = Annual Percentage Yield. Compounds daily. Penalty may be imposed for early withdrawal.
2:Minimum balance to obtain these rates is $1,000 and cannot be transferred from an existing Webster First Federal Credit Union account. Limited time offer.
All rates subject to change without prior notice. Fees may reduce earnings.

Auto Loan Rates

Type APR1 EMP2 (per $1,000) Finance Charge
Model Year 2021-24
66 Month 6.44% $18.04 $190.41
75 Month 7.19% $16.60 $244.65
84 Month³ 7.94% $15.57 $306.84
 
Model Year 2020
66 Month 6.69% $18.16 $198.19
75 Month 7.19% $16.60 $244.65
84 Month³ 7.94% $15.57 $306.84
Model Year 2019
66 Month 6.94% $18.28 $205.95
75 Month 7.64% $16.82 $261.04
Model Year 2018
66 Month 7.44% $18.52 $221.74
75 Month³ 7.84% $16.92 $268.33
Model Year 2017
60 Month³ 7.74% $19.93 $209.37
Model Year 2016 or older
48 Month 8.49% $24.65 $183.15
1:APR = Annual Percentage Rate. Rates subject to change without notice. Rate determined by credit report and collateral.
2:EMP = Estimated Monthly Payment.
3:Term available subject to credit score.

Recreational Vehicle Loan Rates

Type APR1 EMP2 (per $1,000) Finance Charge
Titled
60 Month 8.24% $20.40 $223.66
72 Month 9.49% $18.28 $315.72
144 Month 10.99% $12.54 $804.40
No Title
60 Month 10.24% $21.38 $282.06
72 Month 11.49% $19.30 $388.82
144 Month 12.49% $13.44 $935.24
1:APR = Annual Percentage Rate. Rates subject to change without notice. Rate determined by credit report and collateral.
2:EMP = Estimated Monthly Payment.

Personal Loan Rates

Type APR1 EMP2 (per $1,000) Finance Charge
Personal Loans
24 Month 10.74% $46.50 $115.92
36 Month 10.99% $32.75 $178.66
48 Month 11.49% $26.10 $252.23
60 Month 11.99% $22.25 $334.63
Credit Builder³
60 Month 7.00% $19.81 $188.27
Signature Line of Credit⁴ 12.90%
Overdraft Revolving Credit⁵ 14.90%
Share Secured Loans⁶
1:APR = Annual Percentage Rate. Rates subject to change without notice. Rate determined by credit report and collateral.
2:EMP = Estimated Monthly Payment.
3:Proceeds held in an interest bearing certificate for full term of the loan.
4:Maximum amount $10,000
5:Maximum amount $5,000
6:Three percent over interest being earned on account held as collateral

Mortgage Rates

Type Rate APR1 EMP2 (per $1,000)
Adjustable Rate Mortgages4
5&1 Fixed Variable4 6.250% 6.733% $6.16
7&1 Fixed Variable4 6.375% 6.724% $6.24
7&3 Fixed Variable4 6.500% 6.609% $6.32
10&5 Fixed Variable4 6.625% 6.736% $6.40
 
Convertible 1 Yr Adjustable4 6.000% 6.674% $6.00
1 Year Adjustable4 6.000% 6.674% $6.00
3 Year Adjustable4 6.125% 6.324% $6.08
7&1 Variable 40 Year4 6.750% 6.914% $6.03
Land Loan3,4 6.000% 6.727% $11.10
 
Fixed Rate Mortgages
15 Year 6.375% 6.554% $8.64
20 Year 6.875% 7.023% $7.68
30 Year 7.000% 7.115% $6.65
40 Year 7.375% 7.479% $6.49
First Time Homebuyers 6.875% 6.949% $6.57
1:APR = Annual Percentage Rate. All mortgage APRs are for 1-4 unit owner occupied primary residences based on 20% down payment. APRs may vary with lesser down payment. All mortgages with a loan to value of 80% and over require Prime Mortgage Insurance (PMI). Rates subject to change without prior notice. Zero points on all mortgages. Guidelines available upon request.
2:EMP = Estimated Monthly Payment.
3:Land loans 1-10 years, 25% downpayment
4:ARM loans are variable rate loans, interest rates and payments may increase after consummation. Rates and payments will remain the same for the first 5, 7, or 10 years and then can adjust to a new rate and payment every 1, 3 or 5 years based on a current index, depending on the ARM program you choose. For example, if you select the 5 & 1 Fixed Variable program your rate and principal & interest payment will be fixed for the first 5 years (the 5 in 5& 1), after that the interest rate and payment could change every 1 year for the remainder of the mortgage’s term (the 1 in the 5 & 1).

Home Equity Rates

Type Rate APR1 EMP2 (per $1,000)
Home Equity Loans
0-5 Years 6.500% 6.613% $19.57
6-10 Years 6.875% 6.940% $11.55
11-15 Years 7.125% 7.197% $9.06
Max Equity Loans
5 Year 7.875% 8.014% $20.22
10 Year 8.125% 8.203% $12.20
15 Year 8.500% 8.560% $9.85
Endless Equity Line of Credit³
New Equity Member⁴ 8.000%
Refinanced 8.500%
Max Equity Line of Credit⁵ 9.750%
1:APR = Annual Percentage Rate. All home equity and home equity lines of credit APRs are based on the prime lending rate published in the Wall Street Journal, currently at 8.500% as of 7/27/2023. Rates apply to 1-4 unit owner occupied primary residences. Rates subject to change without prior notice. Underwriting guidelines available upon request. Early termination fee applies.
2:EMP = Estimated Monthly Payment.
3:Endless equity line of credit is fixed for the first 24 months and then prime for life. Minimum APR is 8.500% and the maximum APR is 15.000%.
4:New Equity Promotion. Prime Rate minus 0.50% for 24 months then Prime Rate.
5:Max equity line of credit is fixed for the first 24 months and then prime plus 1.250%. Minimum APR is 9.750% and the maximum APR is 15.000%.