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Washington Savings Bank Lowell, MA Rates & Review August 2026

Washington Savings Bank Lowell, MA's 13-Month Certificate rates are at 3.90%, 18-Month Certificate rates are at 3.90%, 18-Month Certificate IRA rates are at 3.90%, 91 Day Certificate rates are at 3.60%, 6-Month Certificate rates are at 3.50%. Washington Savings Bank Lowell, MA's savings rates are at 0.05%. Washington Savings Bank Lowell, MA's money market rates are at 0.01%. Washington Savings Bank Lowell, MA's Special HELOAN with existing WSB 1st Mortgage rates are at 5.88%, Special HELOAN with existing WSB 1st Mortgage rates are at 6.12%, Special HELOAN with existing WSB 1st Mortgage - 5 Year rates are at 6.12%, Special HELOAN with existing WSB 1st Mortgage rates are at 6.25%, Special HELOAN with existing WSB 1st Mortgage rates are at 6.50%. Washington Savings Bank Lowell, MA's Personal Loan Rates are at 8.25%. MonitorBankRates evaluates the financial stability of Washington Savings Bank Lowell, MA with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.14%. Rates last updated and verified on 08/28/2026.

Washington Savings Bank Lowell, MA 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 Washington Savings Bank Lowell, MA? Share your experience about Washington Savings Bank Lowell, MA by leaving a review below, or read customer reviews before you decide to use Washington Savings Bank Lowell, MA.

MonitorBankRates Verified Strong Badge 2026 Verified Strong Use This Badge on Your Bank Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 98/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
4.14%
Excellent Lower than avg
Washington Savings Bank
30 Middlesex St
Lowell, MA 01852
https://www.washingtonsavings.com
Member FDIC

Washington Savings Bank Lowell, MA CD Rates

Product Rate APY Term View More
13 Month Certificate 3.77% 3.90% 13 Month
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
18 Month Certificate 3.77% 3.90% 18 Month
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
18 Month Certificate IRA 3.77% 3.90% 18 Month
Min Balance $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
91 Day Certificate 3.55% 3.60% 91 Day
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
6 Month Certificate 3.47% 3.50% 6 Month
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
7 Month Certificate 3.34% 3.44% 7 Month
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
12 Month Certificate 2.80% 2.88% 12 Month
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
12 Month Certificate IRA 2.80% 2.88% 12 Month
Min Balance $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
15 Month Certificate 1.95% 2.00% 15 Month
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
60 Month Certificate 0.74% 0.75% 60 Month
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
60 Month Certificate IRA 0.74% 0.75% 60 Month
Min Balance $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
48 Month Certificate IRA 0.64% 0.65% 48 Month
Min Balance $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
49 Month Certificate 0.64% 0.65% 49 Month
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
36 Month Certificate 0.54% 0.55% 36 Month
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
36 Month Certificate IRA 0.54% 0.55% 36 Month
Min Balance $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
26 Month BUMP CD Special 0.49% 0.50% 26 Month
Details bump to higher rate once during term
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
26 Month BUMP CD Special (bump to higher rate once during term) 0.49% 0.50%
Min Deposit $500
Details BUMP CD Special (bump to higher rate once during term)
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
30 Month Certificate 0.49% 0.50% 30 Month
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
24 Month Certificate 0.39% 0.40% 24 Month
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
24 Month Certificate IRA 0.39% 0.40% 24 Month
Min Balance $500
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
10 Month Certificate 0.30% 0.30% 10 Month
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%

Washington Savings Bank Lowell, MA Savings Rates

Product Rate APY View More
Christmas Club 0.10% 0.10%
Min Deposit $10
Min Balance $10
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Rewards Savings 0.10% 0.10%
Min Deposit $10
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Passbook Savings 0.05% 0.05%
Min Deposit $50
Min Balance $10
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Prize Savings 0.05% 0.05%
Min Deposit $1
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Statement Savings 0.05% 0.05%
Min Deposit $50
Min Balance $10
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Vacation Club 0.05% 0.05%
Min Deposit $10
Min Balance $10
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%

Washington Savings Bank Lowell, MA Money Market Rates

Product Rate APY View More
High Yield Online Money Market - 4.50%
Min Deposit $10
Min Balance $10
Details APY is accurate as of 1/1/2024. Rate is subject to change at any time without notice. Maximum deposit amount of $500,000. Personal accounts only. One account per customer. Fees may reduce earnings. Member FDIC/DIF. Each depositor is insured by the FDIC to at least $250,000. All deposits above the FDIC insurance amount are insured by the Depositors Insurance Fund (DIF).
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Non-Profit Money Market 3.00% 3.08%
Min Deposit $10
Min Balance $10
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
IRA Money Market 3.00% 3.04%
Min Deposit $10
Min Balance $100,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Business Money Market Account 2.75% 2.83%
Min Deposit $10
Min Balance $10
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
High Yield Online Money Market 2.75% 2.83%
Min Deposit $10
Min Balance $10
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
IRA Money Market 2.75% 2.78%
Min Deposit $10
Min Balance $50,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
IRA Money Market 2.50% 2.53%
Min Deposit $10
Min Balance $25,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
IRA Money Market 2.25% 2.27%
Min Deposit $10
Min Balance $10
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Business High Yield Money Market 0.20% 0.20%
Min Deposit $10
Min Balance $0
Details Balance: $0.01 - $10,000.00
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Business Money Market Account 0.20% 0.20%
Min Deposit $10
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Business High Yield Money Market 0.15% 0.15%
Min Balance $50,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Business Money Market Account 0.15% 0.15%
Min Balance $50,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
High Yield Money Market 0.15% 0.15%
Min Balance $100,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Money Market 0.15% 0.15%
Min Balance $100,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Business High Yield Money Market 0.10% 0.10%
Min Balance $10
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Business Money Market Account 0.10% 0.10%
Min Balance $10
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
High Yield Money Market 0.10% 0.10%
Min Balance $25,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Money Market 0.10% 0.10%
Min Balance $25,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
High Yield Money Market 0.05% 0.05%
Min Balance $10
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Money Market 0.05% 0.05%
Min Balance $10
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Business High Yield Money Market 0.01% 0.01%
Min Deposit $10
Details All balances if qualifications are not met
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Business Money Market Account 0.01% 0.01%
Min Deposit $10
Details All balances if qualifications are not met
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%

Washington Savings Bank Lowell, MA Checking Rates

Product Rate APY View More
Business Cash Rewards Checking 2.75% 2.83%
Min Deposit $10
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Elite Checking 1.96% 2.00%
Min Deposit $10
Min Balance $0
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Business Cash Rewards Checking 0.20% 0.20%
Min Deposit $10
Min Balance $0
Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $10,000.00
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Business Elite Checking 0.20% 0.20%
Min Balance $0
Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $10,000.00
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Business Rewards Checking 0.20% 0.20%
Min Deposit $10
Min Balance $0
Details Qualifications Required; Rate applies to balances up to $10,000.00
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Cash Rewards Checking 0.20% 0.20%
Min Deposit $10
Min Balance $0
Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $10,000.00
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Interest Rewards Checking 0.20% 0.20%
Min Deposit $10
Min Balance $0
Details Qualifications Required: Qualifications Required; 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $10,000.00
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Business Cash Rewards Checking 0.15% 0.15%
Min Balance $50,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Business Elite Checking 0.15% 0.15%
Min Balance $50,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Cash Rewards Checking 0.10% 0.15%
Min Deposit $10
Min Balance $20,000
Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance over $20,000.00
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Elite Checking 0.15% 0.15%
Min Balance $100,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Interest Business Checking 0.15% 0.15%
Min Deposit $10
Min Balance $50,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Interest Rewards Checking 0.10% 0.15%
Min Deposit $10
Min Balance $20,000
Details Qualifications Required: Qualifications Required; 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Over $20,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Business Cash Rewards Checking 0.10% 0.10%
Min Balance $10
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Business Elite Checking 0.10% 0.10%
Min Balance $10
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Elite Checking 0.10% 0.10%
Min Balance $25,000
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Interest Business Checking 0.10% 0.10%
Min Deposit $10
Min Balance $10
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Elite Checking 0.05% 0.05%
Min Balance $10
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Business Cash Rewards Checking 0.01% 0.01%
Min Deposit $10
Details Rate applies if qualifications are not met
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Business Elite Checking 0.01% 0.01%
Min Balance $0
Details All balances if qualifications are not met
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Business Rewards Checking 0.01% 0.01%
Min Deposit $10
Details Rate applies if qualifications are not met
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Cash Rewards Checking 0.01% 0.01%
Min Deposit $10
Details All balances if qualifications are not met
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Interest Rewards Checking 0.01% 0.01%
Min Deposit $10
Details All balances if qualifications are not met
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%

Washington Savings Bank Lowell, MA Mortgage Rates

Product Rate Points APR Term View More
Special HELOAN with existing WSB 1st Mortgage 5.88% - 5.88% 5 Years with Auto Pay
Details For existing Washington Savings Bank Mortgage holders. Interest rate discounted with payments automatically withdrawn from Washington Savings Bank checking or savings account.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
15-Year Fixed Rate - - 6.12% 15 years
Details As low as
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Special HELOAN with existing WSB 1st Mortgage 6.13% - 6.13% 5 Year
Details For existing Washington Savings Bank Mortgage holders. Interest rate discounted with payments automatically withdrawn from Washington Savings Bank checking or savings account.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Special HELOAN with existing WSB 1st Mortgage - 5 Year 6.13% - 6.13% 5 Year
Details 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
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Special HELOAN with existing WSB 1st Mortgage 6.25% - 6.25% 10 Years with Auto Pay
Details For existing Washington Savings Bank Mortgage holders. Interest rate discounted with payments automatically withdrawn from Washington Savings Bank checking or savings account.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
20-Year Fixed Rate - - 6.35% 20 years
Details As low as
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Special HELOAN with existing WSB 1st Mortgage 6.50% - 6.50% 10 Years
Details For existing Washington Savings Bank Mortgage holders. Interest rate discounted with payments automatically withdrawn from Washington Savings Bank checking or savings account.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Special HELOAN with existing WSB 1st Mortgage - 10 Years 6.50% - 6.50% 10 Years
Details 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
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%

Washington Savings Bank Lowell, MA Home Equity & HELOC

Product Rate Points APR Term View More
Home Equity Loan with Pay 5.99% - 5.99% 5 Years
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Home Equity Loans 5 Years with Pay 5.99% - 5.99% 5 Years with Auto Pay
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Home Equity Loan with Pay 6.38% - 6.38% 10 Years
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Home Equity Loans 10 Years with Pay 6.38% - 6.38% 10 Years with Auto Pay
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Home Equity Loan with Pay 6.99% - 6.99% 15 Years
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Home Equity Loans 15 Years with Pay 6.99% - 6.99% 15 Years with Auto Pay
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Home Equity Loans 7.13% - 7.13% 15 Years
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Home Equity Loans 15 Years 7.13% - 7.13% 15 Years
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Home Equity Loan with Pay 7.50% - 7.50% 20 Years
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Home Equity Loans 20 Years with Pay 7.50% - 7.50% 20 Years with Auto Pay
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Home Equity Loans 7.63% - 7.63% 20 Years
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Home Equity Loans 20 Years 7.63% - 7.63% 20 Years
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Home Equity Line of Credit (HELOC) - - 9.99%
Details Maximum Line: $250,000. 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.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Home Equity Special HELOC with existing WSB 1st Mortgage 5.99% - 9.99% 10 year draw/ 10 year repayment
Details Initial rate for the first 12 months 5.99%, 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 For existing Washington Savings Bank mortgage holders Maximum Line: $250,000 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
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%

Washington Savings Bank Lowell, MA Auto Loan Rates

Product Rate Points APR Term View More
5 Years with Auto Pay 5.88% - 5.88% 5 Years
Details For existing Washington Savings Bank Mortgage holders; 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
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Special HELOAN with existing WSB 1st Mortgage - 5 Years with Auto Pay 5.88% - 5.88% 5 Years
Details 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
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
10 Years with Auto Pay 6.25% - 6.25% 10 Years
Details For existing Washington Savings Bank Mortgage holders; 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
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Special HELOAN with existing WSB 1st Mortgage - 10 Years with Auto Pay 6.25% - 6.25% 10 Years
Details 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
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
5 Years with auto pay - - 7.25% 5 Years
Details with auto pay
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
New Auto Loans - - 7.25% 5 Years
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
New Auto Loans 7.25% - 7.50% 5 Years
Details with auto pay
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
4 Years with auto pay - - 8.25% 4 Years
Details with auto pay
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Used Auto Loans - - 8.25% 4 Years
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Used Auto Loans 8.25% - 8.50% 4 Years
Details with auto pay
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
3 year with Auto Pay 15.25% - 15.25% 3 Year
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
5 Year with Auto Pay 15.25% - 15.25% 5 Year
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Personal Loan with Auto Pay 15.25% - 15.25% 5 Year
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%

Washington Savings Bank Lowell, MA Personal Loan Rates

Product Rate APR View More
Personal Loan - 8.25%
Details with auto pay
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Personal Loan - 8.50%
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Personal Loan with Auto Pay 15.25% 15.25%
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%
Personal Loan 15.50% 15.50%
No additional details.
Last Updated 08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 4.14%

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Washington Savings Bank Lowell, MA 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 Washington Savings Bank Lowell, MA 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 Washington Savings Bank Lowell, MA's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Washington Savings Bank Lowell, MA
FDIC Certificate # 90229
Address 30 Middlesex St, Lowell, MA 01852  ·  Middlesex
Established 04/06/1892
FDIC Insurance Date 10/10/1985
Domestic Offices 2
Total Branches 2
Regulator FED
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+
Overall Health Grade Score: 98/100
5.0
Exceptional Out of 5.0 Stars
4.14%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 0.2306%
Return on Equity (ROE) 2.6700%
Non-Performing Loans (NPL) 0.34%
Total Assets $305,936,000
Total Deposits $240,663,000
Equity Capital $28,021,000
Net Income $416,000
Headquarters Lowell
Total Branches and Offices 2
Source: FDIC  |  Last Updated 12/31/2025
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Frequently Asked Questions About Washington Savings Bank Lowell, MA

How many branches does Washington Savings Bank Lowell, MA operate?

Washington Savings Bank Lowell, MA currently maintains approximately 2 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, Washington Savings Bank Lowell, MA 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, Washington Savings Bank Lowell, MA provides members with tools to manage their accounts and build a solid financial history.

Does Washington Savings Bank Lowell, MA offer online and mobile banking?

Most modern institutions like Washington Savings Bank Lowell, MA 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.washingtonsavings.com.

Current Washington Savings Bank Lowell, MA Rates

  • 12-Month CD2.88%
  • 18-Month CD3.90%
  • 24-Month CD0.40%
  • 36-Month CD0.55%
  • 48-Month CD0.65%
  • 60-Month CD0.75%
  • Savings0.05%
  • MMA0.01%
Retrieved from our database of financial products. Rates subject to change.