Why settle for less when your balance can get you more?
Make the most of your balance with a tiered interest-earning checking account designed to give you more in return.
Benefits You’ll Love
- Free checking
- Online & mobile banking
- Refunds on ATM surcharge fees
- No minimum balance to earn rewards
- Free checking that pays interest and ATM surcharge refunds when monthly qualifications are met
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- Have at least one ACH transaction
- Have eStatements
- Make 12 or more debit card purchases
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- Link to free Saver Rewards to build savings automatically
- No minimum balance to earn rewards
- No monthly service fees, even if you don't meet monthly qualifications for rewards
- Unlimited check writing
- Automatically receive Loyalty Rewards with higher combined deposit and loan balances
- Free digital banking services, including:
- Free online banking & bill pay
- Free mobile banking with mobile deposit
- Free eStatements
- Free Mastercard® EMV debit card with ID Theft Monitoring
- $10 minimum deposit to open
Interest Rewards is a "free account," but you may do some other stuff that could cause a fee.
| Description | Fee |
|---|---|
| Stop Payment Fee (For paper checks or electronic withdrawals) |
$30 |
| Overdraft/NSF Fee (We know, this is a sensitive one and we try to be generous in forgiving first-time offenders and honest mistakes if you call and explain the situation to us. Plus, we won't charge a fee if the purchase or resulting overdraft is $10.00 or less.) |
$30 |
| Surcharge ATM Fee (We don’t charge these fees, the owners of other ATMs charge them for using their machine. When monthly qualifications are met, you can get up to $15 per month, max $5 per transaction, refunded.) |
Varies |
Interest Rewards Checking
| Balance | Minimum to Open | Interest Rate | APY |
|---|---|---|---|
| $0 - $10,000.00 | $10 | 0.20% | 0.20% |
| $10,000.01 - $20,000.00 | $10 | 0.10% | 0.20% - 0.10% |
| Over $20,000 | $10 | 0.10% | 0.15% - 0.10% |
| All balances if qualifications are not met | $10 | 0.01% | 0.01% |
Per Qualification Cycle For Interest Rewards Checking: Have at least 12 debit card purchases post and clear, receive free eStatements, and make at least one ACH transaction (deposit or withdrawal).
*Annual Percentage Yield (APY) accurate as of 11/22/2021. Certain restrictions may apply. Rates may change after the account is opened. Fees may reduce earnings. No monthly service charge. Minimum opening deposit $10. Interest Rewards Checking rate tiers, when statement cycle qualifications are met, are as follows: 0.20% APY applies to balances of $0-$10,000, 0.20%-0.10% APY applies to balances $10,000.01 - $20,000, 0.20%-0.10% APY applies to balances greater than $20,000. If qualifications are not met, all balances will earn 0.01% APY and ATM refunds will not apply, but the account will still function as a free checking account. Qualifying ACH transactions must be to/from a 3rd party. Qualifying Debit card purchases must post and clear in the Statement cycle.
Use this calculator to determine your projected earnings from our Interest Rewards Checking account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
Our calculators are for informational purposes only and are not intended to provide financial advice. All examples are hypothetical and for illustrative purposes. Although we have obtained content from sources deemed to be reliable, Kasasa and its affiliates are not responsible for any content provided by unaffiliated third parties. You may wish to consult an appropriate outside advisor about your financial situation.
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
Our calculators are for informational purposes only and are not intended to provide financial advice. All examples are hypothetical and for illustrative purposes. Although we have obtained content from sources deemed to be reliable, Kasasa and its affiliates are not responsible for any content provided by unaffiliated third parties. You may wish to consult an appropriate outside advisor about your financial situation.
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
Our calculators are for informational purposes only and are not intended to provide financial advice. All examples are hypothetical and for illustrative purposes. Although we have obtained content from sources deemed to be reliable, Kasasa and its affiliates are not responsible for any content provided by unaffiliated third parties. You may wish to consult an appropriate outside advisor about your financial situation.
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
Our calculators are for informational purposes only and are not intended to provide financial advice. All examples are hypothetical and for illustrative purposes. Although we have obtained content from sources deemed to be reliable, Kasasa and its affiliates are not responsible for any content provided by unaffiliated third parties. You may wish to consult an appropriate outside advisor about your financial situation.
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Our calculators are for informational purposes only and are not intended to provide financial advice. All examples are hypothetical and for illustrative purposes. Although we have obtained content from sources deemed to be reliable, Kasasa and its affiliates are not responsible for any content provided by unaffiliated third parties. You may wish to consult an appropriate outside advisor about your financial situation.
Business Money Market Account
| Balance | Minimum to Open | Interest Rate | APY |
|---|---|---|---|
| $10 or more | $10 | 3.63% | 3.75% |
Business Rewards Checking
| Balance | Minimum to Open | Interest Rate | APY |
|---|---|---|---|
| $0 - $10,000 | $10 | 0.20% | 0.20% |
| Over $10,000 | $10 | 0.10% | 0.20% - 0.10% |
| All balances if qualifications are not met | $10 | 0.01% | 0.01% |
Per Qualification Cycle for Business Rewards Checking: Have at least 12 debit card purchases post and clear, receive free eStatements, and access online banking
Certificates of Deposit (CDs)
| Term | Minimum to Open | Interest Rate | APY |
|---|---|---|---|
| 91 Day Certificate | $500 | 3.75% | 3.80% |
| 6 Month Certificate | $500 | 3.67% | 3.70% |
| 7 Month Certificate | $500 | 3.54% | 3.65% |
| 10 Month Certificate | $500 | 0.30% | 0.30% |
| 12 Month Certificate | $500 | 3.16% | 3.26% |
| 15 Month Certificate | $500 | 1.95% | 2.00% |
| 18 Month Certificate | $500 | 3.39% | 3.50% |
| 24 Month Certificate | $500 | 0.39% | 0.40% |
| 26 Month BUMP CD Special1 (bump to higher rate once during term) | $500 | 0.49% | 0.50% |
| 30 Month Certificate | $500 | 0.49% | 0.50% |
| 36 Month Certificate | $500 | 0.54% | 0.55% |
| 49 Month Certificate | $500 | 0.64% | 0.65% |
| 60 Month Certificate | $500 | 0.74% | 0.75% |
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.
You must maintain a minimum balance of $10.00 in an account to earn the stated APY.
1 The 26-month Certificate of Deposit is available as of May 1st 2019 and will renew as a 24-month Certificate of Deposit at the current APY. For the 26-month term only, if the bank offers a higher APY for the same term Certificate during the initial term of your CD Bump Rate Special, customer must contact the bank and request to bump (increase) the APY for the certificate through the remainder of the initial term.
Home Equity Line of Credit (HELOC)
| Type | Maximum LTV | Minimum Line | Interest Rate | Terms |
|---|---|---|---|---|
| Initial rate for the first 12 months 7.49%, Adjustable to prime thereafter maximum adjustment over the life of the loan will be 9.99% with a floor rate of 4.50% | 80% | $10,000 | 7.49% | 10 year draw/10 year repayment |
- Maximum Line: $250,000
- Maximum APR 9.99%
- Floor Rate of 4.50%
- 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 owners insurance required
- $40.00 Assess Maintenance Fee
Home Equity Loans
| Term | Interest Rate | APR | Payment per $1,000 |
|---|---|---|---|
| 5 Years | 6.125% | 6.125% | $19.39 |
| 5 Years with Auto Pay | 5.990% | 5.990% | $19.33 |
| 10 Years | 6.500% | 6.500% | $11.35 |
| 10 Years with Auto Pay | 6.375% | 6.375% | $11.29 |
| 15 Years | 7.125% | 7.125% | $9.06 |
| 15 Years with Auto Pay | 6.990% | 6.990% | $8.98 |
| 20 Years | 7.625% | 7.625% | $8.13 |
| 20 Years with Auto Pay | 7.500% | 7.500% | $8.06 |
- 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 Washington Savings Bank checking or savings account
- Home owners insurance required
- 2nd position liens only
Interest Business Checking
| Balance | Minimum to Open | Interest Rate | APY |
|---|---|---|---|
| $10 - $24,999.99 | $10 | 0.10% | 0.10% |
| $25,000 - $49,999.99 | $10 | 0.10% | 0.10% |
| $50,000 - $99,999.99 | $10 | 0.15% | 0.15% |
| $100,000 or more | $10 | 0.15% | 0.15% |
You must maintain a minimum balance of $10.00 in an account to earn the stated APY.
IRA CDs
| Term | Minimum to Open | Interest Rate | APY |
|---|---|---|---|
| 12 Month Certificate IRA | $500 | 3.16% | 3.26% |
| 18 Month Certificate IRA | $500 | 3.39% | 3.50% |
| 24 Month Certificate IRA | $500 | 0.39% | 0.40% |
| 36 Month Certificate IRA | $500 | 0.54% | 0.55% |
| 48 Month Certificate IRA | $500 | 0.64% | 0.65% |
| 60 Month Certificate IRA | $500 | 0.74% | 0.75% |
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.
IRA Money Market
| Balance | Minimum to Open | Interest Rate | APY |
|---|---|---|---|
| $10 - $24,999.99 | $10 | 0.05% | 0.05% |
| $25,000 - $49,999.99 | $10 | 0.10% | 0.10% |
| $50,000 - $99,999.99 | $10 | 0.10% | 0.10% |
| $100,000 or more | $10 | 0.15% | 0.15% |
You must maintain a minimum daily balance of $10.00 to obtain the disclosed annual percentage yield. You must deposit $2500.00 to open this account. Each month you will be assessed a service charge of $10.00. You may avoid this charge if you maintain, each day during the monthly cycle, a daily balance of at least $2500.00.
Money Market
| Balance | Interest Rate | APY |
|---|---|---|
| $10 - $24,999.99 | 0.05% | 0.05% |
| $25,000 - $49,999.99 | 0.10% | 0.10% |
| $50,000 - $99,999.99 | 0.10% | 0.10% |
| $100,000 or more | 0.15% | 0.15% |
You must maintain a minimum daily balance of $10.00 to obtain the disclosed annual percentage yield. You must deposit $2500.00 to open this account. Each month you will be assessed a service charge of $10.00. You may avoid this charge if you maintain, each day during the monthly cycle, a daily balance of at least $2500.00.
Mortgage Loans
New Auto Loans
| Term | APR | Payment per $1,000 |
|---|---|---|
| 5 Years | 7.500% | $20.04 |
| with auto pay | 7.250% | $19.92 |
- Borrowing limits between $1,000 and $50,000
- Borrowing term limits between 1 and 5 years
- Maximum Loan 95% of NADA/Kelly blue book retail value
- A new automobile is defined as a Model Year 2022 or 2023 vehicle with less than 15,000 miles
Personal Loans
| Term | Interest Rate | APR | Payment Per $1,000 |
|---|---|---|---|
| 5 Year** | 15.50% | 15.50% | 24.05 |
| 5 Year with Auto Pay** | 15.25% | 15.25% | 23.92 |
| 3 Year*** | 15.50% | 15.50% | 34.91 |
| 3 year with Auto Pay*** | 15.25% | 15.25% | 34.79 |
**5 year term available only to existing customers with an account relationship of one year or more.
***3 year term available to existing customers or new customers.
Minimum Loan: $1,000
Maximum Loan: $5,000 for existing customers. $3,000 for new customers.
New customer is defined as a depositor/borrower with an account relationship of one year or less.
Savings
| Type | Minimum Balance to avoid Service Charge | Minimum to Open | Minimum to Earn Interest | Interest Rate | APY |
|---|---|---|---|---|---|
| Rewards Savings | $0 | $10 | $0 | 0.10% | 0.10% |
| Passbook Savings | $50 | $50 | $10 | 0.05% | 0.05% |
| Statement Savings | $50 | $50 | $10 | 0.05% | 0.05% |
| Vacation Club | $0 | $10 | $10 | 0.05% | 0.05% |
| Christmas Club | $0 | $10 | $10 | 0.10% | 0.10% |
| Prize Savings | $0 | $1 | $0 | 0.05% | 0.05% |
Saver Rewards requires a checking account with eStatements.
Prize Savings is an eStatement account
Passbook Savings and Statement Savings Each month you will be assessed a service charge of $3.00. You may avoid this charge if you maintain, each day during the monthly cycle, a daily balance of at least $50.00:
Special HELOAN with existing WSB 1st Mortage
| Term | Interest Rate | APR | Payment per $1,000 |
|---|---|---|---|
| 5 Year | 6.125% | 6.125% | $19.39 |
| 5 Years with Auto Pay | 5.875% | 5.875% | $19.27 |
| 10 Years | 6.500% | 6.500% | $11.35 |
| 10 Years with Auto Pay | 6.250% | 6.250% | $11.23 |
- For existing Washington Savings Bank Mortgage holders
- 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 Washington Savings Bank checking or savings account.
- Home owners insurance required
- 2nd position liens only
Special HELOC with existing WSB 1st Mortgage
| Type | Maximum LTV | Minimum Line | Interest Rate | Terms |
|---|---|---|---|---|
| Initial rate for the first 6 months 6.49%, Adjustable to prime thereafter maximum adjustment over the life of the loan will be 9.99% with a floor rate of 4.50% | 80% | $10,000 | 6.49% | 10 year draw/ 10 year repayment |
- For existing Washington Savings Bank mortgage holders
- Maximum Line: $250,000
- Maximum APR 9.99%
- Floor Rate of 4.50%
- 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 owners insurance required
- $40.00 Assess Maintenance Fee
Used Auto Loans
| Term | APR | Payment per $1,000 |
|---|---|---|
| 4 Years | 8.500% | $24.65 |
| with auto pay | 8.250% | $24.53 |
- Borrowing limits between $1,000 and $30,000
- Borrowing term limits between 1 and 4 years
- Maximum Loan 90% of NADA/Kelly blue book retail value
- A used automobile is defined as a Model Year 2018 or newer vehicle with less than 100,000 miles