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Washington Savings Bank Lowell, MA Rates & Review August 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: August 28, 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.
Washington Savings Bank Lowell, MA has earned an overall safety grade of A+ (Exceptional, Score: 98/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective FDIC regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Washington Savings Bank Lowell, MA has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
4.14%
ExcellentLower than avg
Washington Savings Bank Lowell, MA Texas Ratio
Washington Savings Bank Lowell, MA's Texas Ratio is 4.14%, which is considered excellent and is lower than the national average of 5.85%.
Washington Savings Bank Lowell, MA has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
26 Month BUMP CD Special (bump to higher rate once during term)
0.49%
0.50%
Min Deposit$500
DetailsBUMP CD Special (bump to higher rate once during term)
Last Updated08/28/2026
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 Updated08/28/2026
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 Updated08/28/2026
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 Updated08/28/2026
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 Updated08/28/2026
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 Updated08/28/2026
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 Updated08/28/2026
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 Updated08/28/2026
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 Updated08/28/2026
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 Updated08/28/2026
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 Updated08/28/2026
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
DetailsAPY 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 Updated08/28/2026
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 Updated08/28/2026
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 Updated08/28/2026
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 Updated08/28/2026
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 Updated08/28/2026
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 Updated08/28/2026
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 Updated08/28/2026
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 Updated08/28/2026
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
DetailsBalance: $0.01 - $10,000.00
Last Updated08/28/2026
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 Updated08/28/2026
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 Updated08/28/2026
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 Updated08/28/2026
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 Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.14%
Money Market
0.15%
0.15%
Min Balance$100,000
Last Updated08/28/2026
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 Updated08/28/2026
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 Updated08/28/2026
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 Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.14%
Money Market
0.10%
0.10%
Min Balance$25,000
Last Updated08/28/2026
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 Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.14%
Money Market
0.05%
0.05%
Min Balance$10
Last Updated08/28/2026
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
DetailsAll balances if qualifications are not met
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.14%
Business Money Market Account
0.01%
0.01%
Min Deposit$10
DetailsAll balances if qualifications are not met
Last Updated08/28/2026
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 Updated08/28/2026
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 Updated08/28/2026
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
DetailsQualifications 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 Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.14%
Business Elite Checking
0.20%
0.20%
Min Balance$0
DetailsQualifications 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 Updated08/28/2026
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
DetailsQualifications Required; Rate applies to balances up to $10,000.00
Last Updated08/28/2026
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
DetailsQualifications 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 Updated08/28/2026
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
DetailsQualifications 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 Updated08/28/2026
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 Updated08/28/2026
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 Updated08/28/2026
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
DetailsQualifications 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 Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.14%
Elite Checking
0.15%
0.15%
Min Balance$100,000
Last Updated08/28/2026
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 Updated08/28/2026
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
DetailsQualifications Required: Qualifications Required; 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Over $20,000
Last Updated08/28/2026
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 Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.14%
Business Elite Checking
0.10%
0.10%
Min Balance$10
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.14%
Elite Checking
0.10%
0.10%
Min Balance$25,000
Last Updated08/28/2026
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 Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.14%
Elite Checking
0.05%
0.05%
Min Balance$10
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.14%
Business Cash Rewards Checking
0.01%
0.01%
Min Deposit$10
DetailsRate applies if qualifications are not met
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.14%
Business Elite Checking
0.01%
0.01%
Min Balance$0
DetailsAll balances if qualifications are not met
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.14%
Business Rewards Checking
0.01%
0.01%
Min Deposit$10
DetailsRate applies if qualifications are not met
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.14%
Cash Rewards Checking
0.01%
0.01%
Min Deposit$10
DetailsAll balances if qualifications are not met
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.14%
Interest Rewards Checking
0.01%
0.01%
Min Deposit$10
DetailsAll balances if qualifications are not met
Last Updated08/28/2026
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
DetailsFor existing Washington Savings Bank Mortgage holders. Interest rate discounted with payments automatically withdrawn from Washington Savings Bank checking or savings account.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.14%
15-Year Fixed Rate
-
-
6.12%
15 years
DetailsAs low as
Last Updated08/28/2026
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
DetailsFor existing Washington Savings Bank Mortgage holders. Interest rate discounted with payments automatically withdrawn from Washington Savings Bank checking or savings account.
Last Updated08/28/2026
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
DetailsFor 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 Updated08/28/2026
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
DetailsFor existing Washington Savings Bank Mortgage holders. Interest rate discounted with payments automatically withdrawn from Washington Savings Bank checking or savings account.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.14%
20-Year Fixed Rate
-
-
6.35%
20 years
DetailsAs low as
Last Updated08/28/2026
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
DetailsFor existing Washington Savings Bank Mortgage holders. Interest rate discounted with payments automatically withdrawn from Washington Savings Bank checking or savings account.
Last Updated08/28/2026
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
DetailsFor 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 Updated08/28/2026
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 Updated08/28/2026
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 Updated08/28/2026
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 Updated08/28/2026
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 Updated08/28/2026
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 Updated08/28/2026
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 Updated08/28/2026
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 Updated08/28/2026
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 Updated08/28/2026
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 Updated08/28/2026
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 Updated08/28/2026
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 Updated08/28/2026
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 Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.14%
Home Equity Line of Credit (HELOC)
-
-
9.99%
DetailsMaximum 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 Updated08/28/2026
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
DetailsInitial 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 Updated08/28/2026
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
DetailsFor 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 Updated08/28/2026
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
DetailsFor 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 Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.14%
10 Years with Auto Pay
6.25%
-
6.25%
10 Years
DetailsFor 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 Updated08/28/2026
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
DetailsFor 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 Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.14%
5 Years with auto pay
-
-
7.25%
5 Years
Detailswith auto pay
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.14%
New Auto Loans
-
-
7.25%
5 Years
No additional details.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.14%
New Auto Loans
7.25%
-
7.50%
5 Years
Detailswith auto pay
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.14%
4 Years with auto pay
-
-
8.25%
4 Years
Detailswith auto pay
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.14%
Used Auto Loans
-
-
8.25%
4 Years
No additional details.
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.14%
Used Auto Loans
8.25%
-
8.50%
4 Years
Detailswith auto pay
Last Updated08/28/2026
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 Updated08/28/2026
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 Updated08/28/2026
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 Updated08/28/2026
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%
Detailswith auto pay
Last Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.14%
Personal Loan
-
8.50%
No additional details.
Last Updated08/28/2026
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 Updated08/28/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 4.14%
Personal Loan
15.50%
15.50%
No additional details.
Last Updated08/28/2026
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 NameWashington Savings Bank Lowell, MA
FDIC Certificate #90229
Address
30 Middlesex St,
Lowell, MA 01852 · Middlesex
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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.