What are the current interest rates at Windsor Federal S&L?

Current rates for Windsor Federal S&L include: 12-Month CD: 0.15%, 18-Month CD: 0.20%, 24-Month CD: 0.25%, 36-Month CD: 0.35%, 48-Month CD: 0.40%, 60-Month CD: 0.50%, Savings: 5.12%, MMA: 2.53%

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Windsor Federal S&L Rates & Review November 2026

Q: What CD terms does Windsor Federal S&L offer?

Windsor Federal S&L CD rates are 0.15% APY for a 12 month CD, 0.20% APY for an 18 month CD, 0.25% APY for a 2 year CD, 0.35% APY for a 3 year CD, 0.40% APY for a 4 year CD and 0.50% APY for a 5 year CD, verified by MonitorBankRates as of November 6, 2026. The institution may offer other terms or specials that are not listed here, so check with Windsor Federal S&L for its full lineup.

Q: How many branches does Windsor Federal S&L operate?

Windsor Federal S&L currently maintains approximately 11 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Windsor Federal S&L 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 6, 2026

Windsor Federal S&L's Consumer CD 60-Month rates are at 0.50%, Consumer CD 48-Month rates are at 0.40%, Consumer CD 36-Month rates are at 0.35%, Consumer CD 24-Month rates are at 0.25%, Consumer CD 18-Month rates are at 0.20%. Windsor Federal S&L's savings rates are at 5.12%. Windsor Federal S&L's money market rates are at 2.53%. Windsor Federal S&L's checking rates are as high as 0.05%. Windsor Federal S&L's top CD rate of 3.85% APY on an 11 month CD is 29% higher than the MonitorBankRates national average of 3.00% APY for that term, and it has an A health rating. MonitorBankRates evaluates the financial stability of Windsor Federal S&L with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.88%. Rates last updated and verified on 11/06/2026.

Windsor Federal S&L 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 Windsor Federal S&L? Share your experience about Windsor Federal S&L by leaving a review below, or read customer reviews before you decide to use Windsor Federal S&L.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

8.88%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Windsor Federal S&L

270 Broad St
Windsor, CT 06095

https://www.windsorfederal.com

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

Windsor Federal S&L CD Rates

Product	Rate	APY	Term	Min. Deposit
Consumer CD 11-month - Special	3.78%	3.85%	11 Months	$1,000
Min Deposit $1,000 Details Minimum to Open & Earn APY: $1,000 Last Updated 11/06/2026 Rate History 1 change since Sep 28, 2026 · 3.55% → 3.85% ▲ 0.30 pts · high 3.85% / low 3.55% Oct 27, 20263.85%▲ from 3.55% Sep 28, 20263.55%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.88%
Consumer CD 5-month - Special	3.78%	3.85%	5 Months	$1,000
Min Deposit $1,000 Details Minimum to Open & Earn APY: $1,000 Last Updated 11/06/2026 Rate History No change since Oct 27, 2026 · 3.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.88%
IRA CD - 11-month Special	3.78%	3.85%	11 Months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Special rate Last Updated 11/06/2026 Rate History 1 change since Sep 28, 2026 · 3.55% → 3.85% ▲ 0.30 pts · high 3.85% / low 3.55% Nov 1, 20263.85%▲ from 3.55% Sep 28, 20263.55%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.88%
Consumer CD 28-month - Special	3.45%	3.50%	28 Months	$1,000
Min Deposit $1,000 Details Minimum to Open & Earn APY: $1,000 Last Updated 11/06/2026 Rate History 1 change since Sep 28, 2026 · 3.20% → 3.50% ▲ 0.30 pts · high 3.50% / low 3.20% Oct 27, 20263.50%▲ from 3.20% Sep 28, 20263.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.88%
IRA CD - 28-month Special	3.45%	3.50%	28 Months	$1,000
Min Deposit $1,000 Min Balance $1,000 Details Special rate Last Updated 11/06/2026 Rate History 1 change since Sep 28, 2026 · 3.20% → 3.50% ▲ 0.30 pts · high 3.50% / low 3.20% Nov 1, 20263.50%▲ from 3.20% Sep 28, 20263.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.88%
Consumer CD 60-month	0.50%	0.50%	60 Months	$1,000
Min Deposit $1,000 Details Minimum to Open & Earn APY: $1,000 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.88%
IRA CD - 60-month	0.50%	0.50%	60 Months	$1,000
Min Deposit $1,000 Min Balance $1,000 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.88%
Consumer CD 48-month	0.40%	0.40%	48 Months	$1,000
Min Deposit $1,000 Details Minimum to Open & Earn APY: $1,000 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.40% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.88%
IRA CD - 48-month	0.40%	0.40%	48 Months	$1,000
Min Deposit $1,000 Min Balance $1,000 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.40% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.88%
Consumer CD 36-month	0.35%	0.35%	36 Months	$1,000
Min Deposit $1,000 Details Minimum to Open & Earn APY: $1,000 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.35% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.88%
IRA CD - 36-month	0.35%	0.35%	36 Months	$1,000
Min Deposit $1,000 Min Balance $1,000 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.35% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.88%
Consumer CD 24-month	0.25%	0.25%	24 Months	$1,000
Min Deposit $1,000 Details Minimum to Open & Earn APY: $1,000 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.88%
IRA CD - 24-month	0.25%	0.25%	24 Months	$1,000
Min Deposit $1,000 Min Balance $1,000 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.88%
Consumer CD 18-month	0.20%	0.20%	18 Months	$1,000
Min Deposit $1,000 Details Minimum to Open & Earn APY: $1,000 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.88%
IRA CD - 18-month	0.20%	0.20%	18 Months	$1,000
Min Deposit $1,000 Min Balance $1,000 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.88%
Consumer CD 12-month	0.15%	0.15%	12 Months	$1,000
Min Deposit $1,000 Details Minimum to Open & Earn APY: $1,000 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.88%
IRA CD - 12-month	0.15%	0.15%	12 Months	$100
Min Deposit $100 Min Balance $100 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.88%
Consumer CD 3-month	0.10%	0.10%	3 Months	$1,000
Min Deposit $1,000 Details Minimum to Open & Earn APY: $1,000 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.88%
Consumer CD 6-month	0.10%	0.10%	6 Months	$1,000
Min Deposit $1,000 Details Minimum to Open & Earn APY: $1,000 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.88%
IRA CD - 3-month	0.10%	0.10%	3 Months	$1,000
Min Deposit $1,000 Min Balance $1,000 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.88%
IRA CD - 6-month	0.10%	0.10%	6 Months	$1,000
Min Deposit $1,000 Min Balance $1,000 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.88%

Windsor Federal S&L Business CD Rates

Product	Rate	APY	Term	Min. Deposit
Business CD - 11-month Special	3.78%	3.85%	11 Months	$1,000
Min Deposit $1,000 Min Balance $1,000 Last Updated 11/06/2026 Rate History No change since Oct 27, 2026 · 3.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.88%
Business CD - 5-month Special	3.78%	3.85%	5 Months	$1,000
Min Deposit $1,000 Min Balance $1,000 Last Updated 11/06/2026 Rate History No change since Oct 27, 2026 · 3.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.88%
Business CD - 28-month Special	3.45%	3.50%	28 Months	$1,000
Min Deposit $1,000 Min Balance $1,000 Last Updated 11/06/2026 Rate History No change since Oct 27, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.88%
Business CD - 60-month	0.50%	0.50%	60 Months	$1,000
Min Deposit $1,000 Min Balance $1,000 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.88%
Business CD - 48-month	0.40%	0.40%	48 Months	$1,000
Min Deposit $1,000 Min Balance $1,000 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.40% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.88%
Business CD - 36-month	0.35%	0.35%	36 Months	$1,000
Min Deposit $1,000 Min Balance $1,000 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.35% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.88%
Business CD - 24-month	0.25%	0.25%	24 Months	$1,000
Min Deposit $1,000 Min Balance $1,000 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.88%
Business CD - 18-month	0.20%	0.20%	18 Months	$1,000
Min Deposit $1,000 Min Balance $1,000 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.88%
Business CD - 12-month	0.15%	0.15%	12 Months	$1,000
Min Deposit $1,000 Min Balance $1,000 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.88%
Business CD - 3-month	0.10%	0.10%	3 Months	$1,000
Min Deposit $1,000 Min Balance $1,000 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.88%
Business CD - 6-month	0.10%	0.10%	6 Months	$1,000
Min Deposit $1,000 Min Balance $1,000 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.88%

Windsor Federal S&L Savings Rates

Product	Rate	APY
Student Savings Account	5.00%	5.12%
Min Deposit $10 Min Balance $0 Details Balance: $0 - $1000 Last Updated 11/06/2026 Rate History No change since Sep 28, 2026 · 5.12% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.88%
Student Savings Account	0.25%	0.25%
Min Deposit $10 Min Balance $1,001 Details Balance: $1,001 and greater Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.88%
Holiday Savings Club	0.05%	0.05%
Min Deposit $10 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.88%
Statement Savings	0.05%	0.05%
Min Deposit $10 Min Balance $100 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.88%
Health Savings Account (HSA)	0.02%	0.02%
Min Deposit $10 Min Balance $2,500 Details Balance: $2,500 - $4,999 Last Updated 11/06/2026 Rate History No change since Sep 28, 2026 · 0.02% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.88%
Health Savings Account (HSA)	0.02%	0.02%
Min Deposit $10 Min Balance $5,000 Details Balance: $5,000 and greater Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.02% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.88%

Windsor Federal S&L Money Market Rates

Product	Rate	APY
Relationship Money Market Account	2.50%	2.53%
Min Deposit $100 Min Balance $1,000,000 Details Balance: $1,000,000 - $999,999,999.99 Last Updated 11/06/2026 Rate History No change since Oct 22, 2026 · 2.53% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.88%
Relationship Money Market Account	2.00%	2.02%
Min Deposit $100 Min Balance $25,000 Details Balance: $25,000.00 - $999,999.99 Last Updated 11/06/2026 Rate History No change since Oct 22, 2026 · 2.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.88%
Money Market Account	0.75%	0.75%
Min Deposit $10 Min Balance $1,000,000 Details Balance: $1,000,000 + Last Updated 11/06/2026 Rate History No change since Oct 22, 2026 · 0.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.88%
Money Market Account	0.60%	0.60%
Min Deposit $10 Min Balance $500,000 Details Balance: $500,000 - $999,999.99 Last Updated 11/06/2026 Rate History No change since Oct 22, 2026 · 0.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.88%
Money Market Account	0.50%	0.50%
Min Deposit $10 Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 11/06/2026 Rate History No change since Oct 22, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.88%
Money Market Account	0.30%	0.30%
Min Deposit $10 Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 11/06/2026 Rate History No change since Oct 22, 2026 · 0.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.88%
Relationship Money Market Account	0.25%	0.25%
Min Deposit $100 Min Balance $100 Details Balance: $100.00 - $24,999.99 Last Updated 11/06/2026 Rate History No change since Oct 22, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.88%
Money Market Account	0.20%	0.20%
Min Deposit $10 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 11/06/2026 Rate History No change since Oct 22, 2026 · 0.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.88%
Money Market Account	0.10%	0.10%
Min Deposit $10 Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 11/06/2026 Rate History No change since Oct 22, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.88%
Money Market Account	0.05%	0.05%
Min Deposit $10 Min Balance $0 Details Balance: $0 - $2,499.99 Last Updated 11/06/2026 Rate History No change since Oct 22, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.88%
Money Market Account	0.05%	0.05%
Min Deposit $10 Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 11/06/2026 Rate History No change since Oct 22, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.88%

Windsor Federal S&L Checking Rates

Product	Rate	APY
Performance Plus Checking Account	0.05%	0.05%
Min Deposit $25 Min Balance $50,000 Details Balance: $50,000 and greater Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.88%
Student Checking Account	0.05%	0.05%
Min Deposit $10 Min Balance $2,500 Details Balance: $2,500 - $9,999 Last Updated 11/06/2026 Rate History No change since Sep 28, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.88%
Student Checking Account	0.05%	0.05%
Min Deposit $10 Min Balance $10,000 Details Balance: $10,000 and greater Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.88%
Performance Plus Checking Account	0.03%	0.03%
Min Deposit $25 Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.03% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.88%
Performance Plus Checking Account	0.02%	0.02%
Min Deposit $25 Min Balance $2,500 Details Balance: $2,500 - $24,999 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.02% APY · checked 10 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.88%
Student Checking Account	0.02%	0.02%
Min Deposit $10 Min Balance $0 Details Balance: $0 - $499 Last Updated 11/06/2026 Rate History No change since Sep 28, 2026 · 0.02% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.88%
Student Checking Account	0.02%	0.02%
Min Deposit $10 Min Balance $500 Details Balance: $500 - $2,499 Last Updated 11/06/2026 Rate History No change since Sep 28, 2026 · 0.02% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.88%
Performance Plus Checking Account	0.00%	0.00%
Min Deposit $25 Min Balance $0 Details Balance: $0 - $2,499 Last Updated 11/06/2026 Rate History No change since Sep 24, 2026 · 0.02% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.88%

Windsor Federal S&L Other Rates

Product	Rate	Points	APY/APR	Term
Equity Advantage Line of Credit	-	-	7.00%	25 Years
Details APR is variable, based on the Prime Rate index plus a 0.00 margin; Maximum Combined Loan-To-Value 80% of subject property's appraised value Last Updated 11/06/2026 Rate History 1 change since Sep 16, 2026 · 6.75% → 7.00% ▲ 0.25 pts · high 7.00% / low 6.75% Sep 28, 20267.00%▲ from 6.75% Sep 16, 20266.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.88%
Partnership Plus Line of Credit	-	-	6.50%	25 Years
Details Line of credit; 10-year draw period, 15-year repayment period; APR shown with assumptions per page footnote Last Updated 11/06/2026 Rate History 1 change since Sep 16, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25% Sep 28, 20266.50%▲ from 6.25% Sep 16, 20266.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.88%
Health Saving Account (HSA)	0.02%	-	0.02%
Min Deposit $10 Min Balance $0 Details Balance: $0 - $2,499 Last Updated 11/06/2026 Rate History No change since Sep 28, 2026 · 0.02% APY · checked 9 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 8.88%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Windsor Federal S&L’s Texas Ratio stayed near 9.09% in Q3 2023 to 8.88% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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	$895M	8.88%	5.0	A
March 31, 2026	$882M	5.98%	5.0	A+
December 31, 2025	$875M	6.11%	5.0	A
September 30, 2025	$853M	5.94%	5.0	A+
June 30, 2025	$841M	7.14%	5.0	A
March 31, 2025	$849M	7.67%	5.0	A
December 31, 2024	$824M	8.11%	5.0	A
September 30, 2024	$803M	8.21%	5.0	A
June 30, 2024	$796M	7.84%	5.0	A
March 31, 2024	$781M	8.19%	5.0	A
December 31, 2023	$778M	7.80%	5.0	A
September 30, 2023	$770M	9.09%	5.0	A

Source: FDIC 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 Windsor Federal S&L is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer 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 bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Windsor Federal S&L 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 Windsor Federal S&L's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Windsor Federal S&L

Website https://www.windsorfederal.com

Address 270 Broad St, Windsor, CT 06095 · Capitol

Bank Holding Company WINDSOR FEDERAL MHC

FDIC Certificate # 29632

Regulator OCC

Established January 1, 1935

FDIC Insurance Date August 9, 1989

Domestic Offices 11

Total Branches 11

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

8.88%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

0.2009%

Return on Equity (ROE)

2.2300%

Non-Performing Loans Ratio (NPL)

0.79%

Total Assets

$895,437,000

Total Deposits

$730,195,000

Equity Capital

$79,680,000

Net Income

$888,000

Headquarters

Windsor

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

Windsor Federal S&L earned the Verified Healthy badge

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Frequently Asked Questions About Windsor Federal S&L

Does Windsor Federal S&L offer CDs?

Yes. Windsor Federal S&L current CD rates include its Consumer CD 60-Month at 0.50% APY, its Consumer CD 48-Month at 0.40% APY and its Consumer CD 36-Month at 0.35% APY, verified by MonitorBankRates as of November 6, 2026.

Are CDs from Windsor Federal S&L FDIC insured?

Yes. Windsor Federal S&L is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Windsor Federal S&L?

The highest Windsor Federal S&L CD rate is its Business Certificate of Deposit - 11-Month Special at 3.85% APY, verified by MonitorBankRates as of November 6, 2026.

What CD terms does Windsor Federal S&L offer?

Windsor Federal S&L CD rates are 0.15% APY for a 12 month CD, 0.20% APY for an 18 month CD, 0.25% APY for a 2 year CD, 0.35% APY for a 3 year CD, 0.40% APY for a 4 year CD and 0.50% APY for a 5 year CD, verified by MonitorBankRates as of November 6, 2026. The institution may offer other terms or specials that are not listed here, so check with Windsor Federal S&L for its full lineup.

What is the highest savings rate at Windsor Federal S&L?

The highest Windsor Federal S&L savings rate is its Student Savings Account at 5.12% APY, verified by MonitorBankRates as of November 6, 2026.

What is the highest money market rate at Windsor Federal S&L?

The highest Windsor Federal S&L money market rate is its Relationship Money Market Account at 2.53% APY, verified by MonitorBankRates as of November 6, 2026.

What is the highest checking rate at Windsor Federal S&L?

The highest Windsor Federal S&L checking rate is its Performance Plus Checking Account at 0.05% APY, verified by MonitorBankRates as of November 6, 2026.

How many branches does Windsor Federal S&L operate?

Windsor Federal S&L currently maintains approximately 11 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Windsor Federal S&L 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, Windsor Federal S&L provides members with tools to manage their accounts and build a solid financial history.

Does Windsor Federal S&L offer online and mobile banking?

Most modern institutions like Windsor Federal S&L 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.windsorfederal.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Windsor Federal S&L rates compare?

Windsor Federal S&L's top CD rate of 3.85% APY on an 11 month CD is 29% higher than the MonitorBankRates national average of 3.00% APY for that term, and it has an A health rating. Windsor Federal S&L's top rates are its 11-Months Business Certificate of Deposit - 11-Month Special at 3.85% APY, its Student Savings Account at 5.12% APY, its Relationship Money Market Account at 2.53% APY and its Performance Plus Checking Account at 0.05% APY, verified by MonitorBankRates on November 6, 2026.

Current Windsor Federal S&L Rates

12-Month CD0.15%
18-Month CD0.20%
24-Month CD0.25%
36-Month CD0.35%
48-Month CD0.40%
60-Month CD0.50%
Savings5.12%
MMA2.53%

Retrieved from our database of financial products. Rates subject to change.

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Windsor Federal S&L Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Windsor Federal S&L Texas Ratio

Windsor Federal S&L Health Trend

Windsor Federal S&L CD Rates

Windsor Federal S&L Business CD Rates

Windsor Federal S&L Savings Rates

Windsor Federal S&L Money Market Rates

Windsor Federal S&L Checking Rates

Windsor Federal S&L Other Rates

Financial Health History

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Bank Profile & Overview

Financials

Windsor Federal S&L earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Windsor Federal S&L

Does Windsor Federal S&L offer CDs?

Are CDs from Windsor Federal S&L FDIC insured?

What is the highest CD rate at Windsor Federal S&L?

What CD terms does Windsor Federal S&L offer?

What is the highest savings rate at Windsor Federal S&L?

What is the highest money market rate at Windsor Federal S&L?

What is the highest checking rate at Windsor Federal S&L?

How many branches does Windsor Federal S&L operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Windsor Federal S&L offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Windsor Federal S&L rates compare?

Current Windsor Federal S&L Rates

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