What are the current interest rates at Webster First Federal Credit Union?

Current rates for Webster First Federal Credit Union include: 12-Month CD: 3.95%, 24-Month CD: 1.51%, 60-Month CD: 1.51%, Savings: 0.05%, MMA: 3.50%

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Webster First Federal Credit Union

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Webster First Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Webster First Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Webster First Federal Credit Union's top rates as of October 9, 2026 are 4.30% APY on its 9 Month Special CD, 0.05% APY on savings, 3.50% APY on money market accounts, 3.00% APY on checking, 5.88% on its Convertible 1 Yr Adjustable ARM mortgage, and personal loans from 12.49% APR, according to rates verified by MonitorBankRates. Other Webster First Federal Credit Union CD rates include IRA CD 9 Month Special at 4.30%, 6 Month CD at 4.00%, and IRA CD 6 Month at 4.00%. Other Webster First Federal Credit Union mortgage rates include Mortgage - 1 Year Adjustable ARM at 5.88%, 5/1 Fixed Variable ARM at 6.50%, and 7/1 Fixed Variable ARM at 6.62%. MonitorBankRates evaluates the financial stability of Webster First Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.75%. Rates last updated and verified on 10/09/2026.

Webster First Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Webster First Federal Credit Union? Share your experience about Webster First Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Webster First Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.75%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Webster First Federal Credit Union
Operations Center

271 Greenwood St
Worcester, MA 01607

https://www.websterfirst.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Webster First Federal Credit Union CD Rates

Product	Rate	APY	Term
9 Month Special Certificate	4.21%	4.30%	9 Month
Min Balance $1,000 Last Updated 10/09/2026 Rate History 1 change since Sep 17, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00% Oct 9, 20264.30%▲ from 4.00% Sep 17, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
IRA Certificate 9 Month Special	4.21%	4.30%	9 Month
Min Deposit $100 Min Balance $100 Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00% Oct 9, 20264.30%▲ from 4.00% Oct 5, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
6 Month Certificate	3.92%	4.00%	6 Month
Min Balance $1,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65% Oct 9, 20264.00%▲ from 3.65% Sep 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
IRA Certificate 6 Month	3.92%	4.00%	6 Month
Min Deposit $100 Min Balance $100 Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65% Oct 9, 20264.00%▲ from 3.65% Oct 5, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
12 Month Certificate	3.87%	3.95%	12 Month
Min Balance $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.45% → 3.95% ▲ 0.50 pts · high 3.95% / low 3.45% Oct 9, 20263.95%▲ from 3.45% Sep 14, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
IRA Certificate 12 Month	3.87%	3.95%	12 Month
Min Deposit $100 Min Balance $100 Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 3.45% → 3.95% ▲ 0.50 pts · high 3.95% / low 3.45% Oct 9, 20263.95%▲ from 3.45% Oct 5, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
15 Month Special Certificate	3.68%	3.75%	15 Month
Min Balance $500 Last Updated 10/09/2026 Rate History 1 change since Sep 17, 2026 · 3.15% → 3.75% ▲ 0.60 pts · high 3.75% / low 3.15% Oct 9, 20263.75%▲ from 3.15% Sep 17, 20263.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
IRA Certificate 15 Month Special	3.68%	3.75%	15 Month
Min Deposit $100 Min Balance $100 Last Updated 10/09/2026 Rate History 1 change since Oct 5, 2026 · 3.15% → 3.75% ▲ 0.60 pts · high 3.75% / low 3.15% Oct 9, 20263.75%▲ from 3.15% Oct 5, 20263.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
24 Month Certificate	1.50%	1.51%	24 Month
Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
36 Month Certificate	1.50%	1.51%	36 Month
Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
48 Month Certificate	1.50%	1.51%	48 Month
Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
60 Month Certificate	1.50%	1.51%	60 Month
Min Balance $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
IRA Certificate 24 Month	1.50%	1.51%	24 Month
Min Deposit $100 Min Balance $100 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 1.51% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
IRA Certificate 36 Month	1.50%	1.51%	36 Month
Min Deposit $100 Min Balance $100 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 1.51% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
IRA Certificate 48 Month	1.50%	1.51%	48 Month
Min Deposit $100 Min Balance $100 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 1.51% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
IRA Certificate 60 Month	1.50%	1.51%	60 Month
Min Deposit $100 Min Balance $100 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 1.51% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
3 Month Certificate	0.75%	0.76%	3 Month
Min Balance $1,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.76% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%

Webster First Federal Credit Union Savings Rates

Product	Rate	APY
All Purpose Club	0.05%	0.05%
Min Balance $10 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
First Rate Savings	0.05%	0.05%
Min Balance $5 Details Balance: $5.00-$1000.00 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
First Rate Savings	0.05%	0.05%
Min Balance $1,000 Details Balance: $1000.01+ Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%

Webster First Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Plus	3.44%	3.50%
Min Balance $500,000 Details Balance: $500,000.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
Money Market Plus	3.20%	3.25%
Min Balance $250,000 Details Balance: $250,000.00-$499,999.99 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 3.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
Money Market Plus	2.96%	3.00%
Min Balance $100,000 Details Balance: $100,000.00-$249,999.99 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
Money Market Plus	1.75%	1.77%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.77% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
Money Market Plus	1.25%	1.26%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 1.26% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
Money Market Plus	0.75%	0.75%
Min Balance $1,000 Details Balance: $1,000.00 - $24,999.99 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
Money Market Plus	0.50%	0.50%
Min Balance $0 Details Balance: $0.00 - $999.99 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 0.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
Money Market	0.15%	0.15%
Min Balance $500,000 Details Balance: $500,000.00 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
Money Market	0.15%	0.15%
Min Balance $250,000 Details Balance: $250,000.00-$499,999.99 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
Money Market	0.15%	0.15%
Min Balance $100,000 Details Balance: $100,000.00-$249,999.99 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
Money Market	0.15%	0.15%
Min Balance $50,000 Details Balance: $50,000.00-$99,999.99 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
Money Market	0.15%	0.15%
Min Balance $25,000 Details Balance: $25,000.00-$49,999.99 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
Money Market	0.15%	0.15%
Min Balance $1,000 Details Balance: $1,000.00-$24,999.99 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
Money Market	0.10%	0.10%
Min Balance $5 Details Balance: $5.00 - $999.99 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%

Webster First Federal Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market	2.96%	3.00%
Min Balance $10,000 Details Balance: $10,000.01 - $50,000 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
Business Money Market	2.96%	3.00%
Min Balance $1,000 Details Balance: $1,000.01 - $10,000 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
Business Money Market	2.96%	3.00%
Min Balance $0 Details Balance: $0.00 - $1,000 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
Business Money Market	1.49%	1.50%
Min Balance $1,000,000 Details Balance: $1,000,000.01 + Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 1.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
Business Money Market	1.49%	1.50%
Min Balance $100,000 Details Balance: $100,000.01 - $1,000,000 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 1.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
Business Money Market	1.49%	1.50%
Min Balance $50,000 Details Balance: $50,000.01 - $100,000 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 1.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%

Webster First Federal Credit Union Checking Rates

Product	Rate	APY
First Rate Checking	2.96%	3.00%
Min Balance $1,000 Details Balance: $1000.01+ Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
First Rate Checking	-	3.00%
Min Deposit $5 Min Balance $1,000 Details Qualifications Required: Enrollment in eStatements; Direct deposit of any amount; Earn 3.00% APY on the first $1,000 in your account when you enroll in eStatements and sign up for direct deposit. It's a simple way to make your balance work harder for you. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
First Rate Checking	-	3.00%
Min Balance $0 Details Published APY range: 3.00 - 0.02%. Balance: $0.00-$1,000.00 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
Teen Checking	0.01%	0.01%
Min Balance $0 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%

Webster First Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Convertible 1 Yr Adjustable ARM	5.875%	-	6.403%
No additional details. Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 5.74% → 6.40% ▲ 0.66 pts · high 6.40% / low 5.74% Oct 2, 20266.40%▲ from 6.29% Sep 25, 20266.29%▲ from 5.87% Sep 17, 20265.87%▲ from 5.74% Sep 14, 20265.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
Mortgage - 1 Year Adjustable ARM	5.875%	-	6.403%
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 25, 2026 · 6.29% → 6.40% ▲ 0.11 pts · high 6.40% / low 6.29% Oct 2, 20266.40%▲ from 6.29% Sep 25, 20266.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
5/1 Fixed Variable ARM	6.50%	-	6.693%
No additional details. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 6.26% → 6.69% ▲ 0.43 pts · high 6.69% / low 6.26% Sep 25, 20266.69%▲ from 6.39% Sep 17, 20266.39%▲ from 6.26% Sep 14, 20266.26%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
7/1 Fixed Variable ARM	6.625%	-	6.82%
No additional details. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 6.39% → 6.82% ▲ 0.43 pts · high 6.82% / low 6.39% Sep 25, 20266.82%▲ from 6.51% Sep 17, 20266.51%▲ from 6.39% Sep 14, 20266.39%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
Mortgage - 3 Year Adjustable ARM	6.125%	-	6.872%
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 25, 2026 · 6.78% → 6.87% ▲ 0.09 pts · high 6.87% / low 6.78% Oct 2, 20266.87%▲ from 6.78% Sep 25, 20266.78%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
15 Year Fixed Mortgage	6.625%	-	6.945%	15 Year
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.48% → 6.95% ▲ 0.47 pts · high 6.95% / low 6.48% Oct 9, 20266.95%▲ from 6.48% Sep 14, 20266.48%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
7/1 Variable 40 Year ARM	6.875%	-	7.047%	40 Year
No additional details. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 6.62% → 7.05% ▲ 0.43 pts · high 7.05% / low 6.62% Oct 2, 20267.05%▲ from 6.75% Sep 17, 20266.75%▲ from 6.62% Sep 14, 20266.62%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
7/3 Fixed Variable ARM	6.875%	-	7.193%
No additional details. Last Updated 10/09/2026 Rate History 3 changes since Sep 14, 2026 · 6.63% → 7.19% ▲ 0.56 pts · high 7.19% / low 6.63% Oct 2, 20267.19%▲ from 7.13% Sep 25, 20267.13%▲ from 6.76% Sep 17, 20266.76%▲ from 6.63% Sep 14, 20266.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
10/5 Fixed Variable ARM	7.00%	-	7.283%
No additional details. Last Updated 10/09/2026 Rate History 2 changes since Sep 14, 2026 · 6.76% → 7.28% ▲ 0.52 pts · high 7.28% / low 6.76% Sep 25, 20267.28%▲ from 6.89% Sep 17, 20266.89%▲ from 6.76% Sep 14, 20266.76%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
20 Year Fixed Mortgage	7.125%	-	7.389%	20 Year
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.94% → 7.39% ▲ 0.45 pts · high 7.39% / low 6.94% Oct 9, 20267.39%▲ from 6.94% Sep 14, 20266.94%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
30 Year Fixed Mortgage	7.25%	-	7.455%	30 Year
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.02% → 7.46% ▲ 0.44 pts · high 7.46% / low 7.02% Oct 9, 20267.46%▲ from 7.02% Sep 14, 20267.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
40 Year Fixed Mortgage	7.50%	-	7.683%	40 Year
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 7.25% → 7.68% ▲ 0.43 pts · high 7.68% / low 7.25% Oct 9, 20267.68%▲ from 7.25% Sep 14, 20267.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%

Webster First Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit - New Equity Member	6.00%	-	6.00%
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 5.75% → 6.00% ▲ 0.25 pts · high 6.00% / low 5.75% Sep 17, 20266.00%▲ from 5.75% Sep 14, 20265.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
Home Equity Loans - 0-5 Years	6.50%	-	6.613%	0-5 years
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 6.61% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
Home Equity Loans - 6-10 Years	6.875%	-	6.94%	6-10 years
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 6.94% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
Home Equity Line of Credit - Refinanced	7.00%	-	7.00%
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Sep 17, 20267.00%▲ from 6.75% Sep 14, 20266.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
Home Equity Loans - 11-15 Years	7.125%	-	7.197%	11-15 years
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 7.20% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
Home Equity Max Equity Loans - 5 Year	7.875%	-	8.014%	5 Year
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.01% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
Home Equity Max Equity Loans - 10 Year	8.125%	-	8.203%	10 Year
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.20% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
HELOC Max Equity Line of Credit	8.25%	-	8.25%
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 8.00% → 8.25% ▲ 0.25 pts · high 8.25% / low 8.00% Sep 17, 20268.25%▲ from 8.00% Sep 14, 20268.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
Home Equity Max Equity Loans - 15 Year	8.50%	-	8.56%	15 Year
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 8.56% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%

Webster First Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loans - 36 Month	12.49%	36 Month
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 11.99% → 12.49% ▲ 0.50 pts · high 12.49% / low 11.99% Oct 9, 202612.49%▲ from 11.99% Sep 14, 202611.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
Signature Line of Credit	12.90%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 12.90% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
Personal Loans - 48 Month	12.99%	48 Month
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 12.49% → 12.99% ▲ 0.50 pts · high 12.99% / low 12.49% Oct 9, 202612.99%▲ from 12.49% Sep 14, 202612.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
Personal Loans - 60 Month	13.49%	60 Month
No additional details. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 12.99% → 13.49% ▲ 0.50 pts · high 13.49% / low 12.99% Oct 9, 202613.49%▲ from 12.99% Sep 14, 202612.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%

Webster First Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Credit Builder - 60 Month Loan	-	-	7.00%	60 Month
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 7.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
Land Loan	5.875%	-	6.595%
Last Updated 10/09/2026 Rate History 4 changes since Sep 14, 2026 · 5.89% → 6.60% ▲ 0.70 pts · high 6.60% / low 5.89% Oct 2, 20266.60%▲ from 6.50% Sep 25, 20266.50%▲ from 6.47% Sep 24, 20266.47%▲ from 6.02% Sep 17, 20266.02%▲ from 5.89% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
Elite Business	0.05%	-	0.05%
Min Balance $100,000 Details Balance: $100,000.01 + Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
Elite Business	0.02%	-	0.02%
Min Balance $50,000 Details Balance: $50,000.01 - $100,000 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 0.02% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
Elite Business	0.02%	-	0.02%
Min Balance $25,000 Details Balance: $25,000.01 - $50,000 Last Updated 10/09/2026 Rate History No change since Sep 29, 2026 · 0.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
Elite Business	0.01%	-	0.01%
Min Balance $10,000 Details Balance: $10,000.01 - $25,000 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
Elite Business	0.01%	-	0.01%
Min Balance $1,000 Details Balance: $1,000.01 - $10,000 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%
Elite Business	0.01%	-	0.01%
Min Balance $0 Details Balance: $0.00 to $1,000 Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.75%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Webster First Federal Credit Union’s Texas Ratio fell from 3.29% in Q3 2023 to 1.75% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.5B	1.75%	5.0	A+
March 31, 2026	$1.5B	1.54%	5.0	A+
December 31, 2025	$1.5B	2.35%	5.0	A+
September 30, 2025	$1.5B	2.16%	5.0	A+
June 30, 2025	$1.5B	2.20%	5.0	A+
March 31, 2025	$1.5B	1.64%	5.0	A+
December 31, 2024	$1.4B	2.27%	5.0	A+
September 30, 2024	$1.4B	2.25%	5.0	A+
June 30, 2024	$1.5B	2.50%	5.0	A+
March 31, 2024	$1.5B	1.96%	5.0	A+
December 31, 2023	$1.5B	3.45%	5.0	A+
September 30, 2023	$1.5B	3.29%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Webster First Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Webster First Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Webster First Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Webster First Federal Credit Union

Website https://www.websterfirst.com

Address 271 Greenwood St, Worcester, MA 01607

Phone 800-962-4452

Fax

President Alan Letendre

CEO John Thomasian

Full-Time Employees 209

Part-Time Employees 12

Branch Locations 15

ATM Locations 13

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.75%

Return on Assets (ROA)

0.8809%

Return on Equity (ROE)

4.4798%

Non-Performing Loans Ratio (NPL)

0.41%

Total Assets

1,527,838,663

Total Amount of Shares and Deposits

1,059,024,761

Total Shares and Deposits < 1 Year

1,040,190,717

Total Shares and Deposits 1 3 Years

15,603,524

Total Shares and Deposits > 3 Years

3,230,520

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

103,073,849

Total Uninsured Shares and Deposits > $250K (F+J)

103,073,849

Total Insured Shares and Deposits > $250K (item 17 less item K)

955,950,912

Total Interest Expense (Sum of items 6 8)

9,609,270

Share Certificates

7,191

Number of Accounts for Share Drafts

39,479

IRA KEOGH Accounts

1,723

Number of Accounts for Regular Shares

66,118

All other shares

1,852

Money Market Shares

1,951

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

32,311,058

Total Liabilities

1,235,128,706

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Webster First Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Webster First Federal Credit Union

How many branches does Webster First Federal Credit Union operate?

Webster First Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Webster First Federal Credit Union?

Yes, to access services at Webster First Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Webster First Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Webster First Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Webster First Federal Credit Union offer online and mobile banking?

Most modern institutions like Webster First Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.websterfirst.com.