Rates

CD Rates

On Certificates of Deposit, Annual Percentage Yield assumes principal and interest remain on deposit for term. You must maintain the stated minimum balance each day to obtain the disclosed APY.

A penalty may be assessed for funds withdrawn prior to maturity on all certificates of deposits.

Once a certificate of deposit account is opened, it maintains the opening rate for the length of its term.

Variable account rates may change after account is opened.

All of our rates are subject to change without notice. The stated rates and APY are accurate as of the above effective date.

You must maintain a minimum balance of $10.00 in an account to earn the stated APY.

Account fees may reduce earnings. Please request further information from our staff concerning the fees and terms applicable to advertised accounts.

Checking Accounts

¹ You may avoid a monthly service charge if you maintain, each day during the monthly cycle, the minimum combined daily balance or are under the age of 19 or 65 and over.

² You may avoid a monthly service charge if you maintain, each day during the monthly cycle, the minimum daily balance or are under the age of 19 or 65 and over.

Variable account rates may change after account is opened.

All of our rates are subject to change without notice. The stated rates and APY are accurate as of the above effective date.

You must maintain a minimum balance of $10.00 in an account to earn the stated APY.

Account fees may reduce earnings. Please request further information from our staff concerning the fees and terms applicable to advertised accounts.

Please contact us for more detailed deposit insurance information.

Savings Account Rates

Savings Accounts

¹ You may avoid a monthly service charge if you maintain, each day during the monthly cycle, the minimum combined daily balance or are under the age of 19 or 65 and over.

² You may avoid a monthly service charge if you maintain, each day during the monthly cycle, the minimum combined daily balance or are under the age of 19 or 65 and over.

³ Federal regulation limits the number of pre-authorized transfers/withdrawals to no more than 6 per month, with no more than 3 by ATM or Debit card as a Point of Sale transaction

⁴ eSavings is an online only account. It can only be opened, funded, and accessed online. eSavings account requires a checking account with at least a direct deposit or 5 debit card purchases per month.

Variable account rates may change after account is opened.

All of our rates are subject to change without notice. The stated rates and APY are accurate as of the above effective date.

You must maintain a minimum balance of $10.00 in an account to earn the stated APY.

Account fees may reduce earnings. Please request further information from our staff concerning the fees and terms applicable to advertised accounts.

Please contact us for more detailed deposit insurance information.

Consumer Loan Rates

Personal Loans

• Minimum Loan: $1,000
• Maximum Loan: $5,000 ^***
• ^* 5 year term available only to existing customers with an account relationship of one year or more.
• ^** 3 year term avaiable to existing customers or new customers.
• ^*** Maximum loan for new customers is $3,000.

New customer is defined as a depositor/borrower with an account relationship of one year or less.

Automobile Loans

New Auto: Years 2008 and 2007 with less than 15k miles

• Minimum Loan: $1,000
• Maximum Loan: $50,000
• Minimum Term: 1 Year
• Maximum Term: 5 Years
• Maximum Laon 95% of NADA/Kelly Blue Book retail value

A new automobile is defined as a Model Year 2007 or 2008 vehicle with less than 15,000 miles

Used Auto: Years 2003 or newer

• Minimum Loan: $1,000
• Maximum Loan: $30,000
• Minimum Term: 1 Year
• Maximum Term: 4 Years
• Maximum Loan 90% of NADA/Kelly Blue Book retail value

A used automobile is defined as a Model Year 2003 or newer vehicle with less than 100,000 miles

Home Equity Rates

Home Equity Line of Credit (HELOC)

• Minimum Line: $10,000
• Maximum Line: $250,000
• Maximum LTV 80%
• Maximum APR 9.99%
• Closing costs paid by Bank
• Rate may change after consummation
• Appraisal required on all requests of $100,000 or more, or if the in-house value does not support the amount requested

Home Equity Loans

• Minimum Loan: $10,000
• Maximum Loan: $250,000
• Maximum LTV 80%
• Closing costs paid by Bank
• Appraisal required on all requests of $100,000 or more, or if the in-house value does not support the amount requested.
• Interest rate discounted with payments automatically withdrawn from Washing Savings Bank checking or savings account.