APY = Annual Percentage Yield. Rates effective as of {{ dynamic-date }}. Fees may reduce earnings.
Deposit Rates Loan Rates
Deposit Rates
Business Money Market Account
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| Balance |
Minimum to Open |
Interest Rate |
APY |
| $10 or more |
$10 |
4.11% |
4.25% |
| 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% |
| 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
| Term |
Minimum to Open |
Interest Rate |
APY |
| 91 Day Certificate |
$500 |
0.15% |
0.15% |
| 6 Month Certificate |
$500 |
4.70% |
4.75% |
| 7 Month Certificate |
$500 |
4.58% |
4.75% |
| 10 Month Certificate |
$500 |
0.30% |
0.30% |
| 12 Month Certificate |
$500 |
0.25% |
0.25% |
| 15 Month Certificate |
$500 |
1.95% |
2.00% |
| 18 Month Certificate |
$500 |
2.20% |
2.25% |
| 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A penalty may be assessed for funds withdrawn prior to maturity on all certificates of deposits.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.
| Type |
Maximum LTV |
Minimum Line |
Interest Rate |
Terms |
| Initial rate for the first 12 months 8.49%, 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 |
8.49% |
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
| Term |
Interest Rate |
APR |
Payment per Thousand |
| 5 Years |
6.750% |
6.750% |
$19.68 |
| 5 Years with Auto Pay |
6.625% |
6.625% |
$19.62 |
| 10 Years |
7.000% |
7.000% |
$11.61 |
| 10 Years with Auto Pay |
6.875% |
6.875% |
$11.55 |
| 15 Years |
7.500% |
7.500% |
$9.27 |
| 15 Years with Auto Pay |
7.375% |
7.375% |
$9.20 |
| 20 Years |
8.000% |
8.000% |
$8.36 |
| 20 Years with Auto Pay |
7.875% |
7.875% |
$8.29 |
- 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
| 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).
| Term |
Minimum to Open |
Interest Rate |
APY |
| 12 Month Certificate IRA |
$500 |
0.25% |
0.25% |
| 18 Month Certificate IRA |
$500 |
2.00% |
2.25% |
| 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.
| 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
Loan Rates
| Term |
Interest Rate |
APR |
Payment per Thousand |
| 5 Years |
6.750% |
6.750% |
$19.68 |
| 5 Years with Auto Pay |
6.625% |
6.625% |
$19.62 |
| 10 Years |
7.000% |
7.000% |
$11.61 |
| 10 Years with Auto Pay |
6.875% |
6.875% |
$11.55 |
| 15 Years |
7.500% |
7.500% |
$9.27 |
| 15 Years with Auto Pay |
7.375% |
7.375% |
$9.20 |
| 20 Years |
8.000% |
8.000% |
$8.36 |
| 20 Years with Auto Pay |
7.875% |
7.875% |
$8.29 |
- 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
| 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
| 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
