What are the current interest rates at Washington Trust Company, of Westerly?

Current rates for Washington Trust Company, of Westerly include: 12-Month CD: 1.10%, 18-Month CD: 1.15%, 24-Month CD: 1.20%, 36-Month CD: 1.45%, 48-Month CD: 1.65%, 60-Month CD: 2.75%, Savings: 3.00%

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Washington Trust Company, of Westerly Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Washington Trust Company, of Westerly provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 7, 2026

Washington Trust Company, of Westerly's top rates as of October 7, 2026 are 4.00% APY on its 1-2 years 1 - 2 Year Choose Your Term CD, 3.00% APY on savings, 0.10% APY on checking, 6.50% on its 7/6 Jumbo ARM mortgage, and personal loans from 13.75% APR, according to rates verified by MonitorBankRates. Other Washington Trust Company, of Westerly CD rates include 7-Month Promo CD at 4.00%, 6-Month Relationship CD at 3.55%, and 9-Month Relationship CD at 3.50%. Other Washington Trust Company, of Westerly mortgage rates include 5/6 Jumbo ARM at 6.50%, 5/6 Jumbo ARM at 6.75%, and 7/6 Jumbo ARM at 6.75%. MonitorBankRates evaluates the financial stability of Washington Trust Company, of Westerly with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.00%. Rates last updated and verified on 10/07/2026.

Washington Trust Company, of Westerly 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 Trust Company, of Westerly? Share your experience about Washington Trust Company, of Westerly by leaving a review below, or read customer reviews before you decide to use Washington Trust Company, of Westerly.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.00%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

The Washington Trust Company, of Westerly

23 Broad St
Westerly, RI 02891

https://www.washtrust.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Washington Trust Company, of Westerly CD Rates

Product	Rate	APY	Term
1 - 2 Year Choose Your Term CD	-	4.00%	1-2 years
Min Deposit $500 Min Balance $0 Details Looking for a longer term? Choose a term that works for you, from 1-2 years. Open in branch or on the phone. Washington Trust checking account required. No municipal or government funds. Maximum deposit amount is $5 million. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
7-Month Promo CD	-	4.00%	7-Month
Min Deposit $500 Min Balance $0 Details New money only; funds must be from sources other than Washington Trust. Washington Trust checking account required with a minimum balance of $2,500. Maximum deposit amount is $5,000,000. Available to open online, in branch, or over the phone. No municipal or government funds. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
6-Month Relationship CD	-	3.55%	6-Month
Min Deposit $500 Min Balance $0 Details Special offer for Washington Trust Freedom Ultra or Freedom Plus checking account customers! Open in branch or over the phone. No municipal or government funds. Last Updated 10/07/2026 Rate History No change since Sep 27, 2026 · 3.55% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
9-Month Relationship CD	-	3.50%	9-Month
Min Deposit $500 Min Balance $0 Details A great rate when you have a Washington Trust Freedom Ultra or Freedom Plus checking account! Open in branch or over the phone. No municipal or government funds. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
13-Month APY Add-On CD	-	3.35%	13-Month
Min Deposit $500 Min Balance $0 Details The more you add, the more you earn! With a great fixed rate and unlimited deposits, our 13-Month Add-On CD is an easy way to grow your savings! ACH, Incoming Wire Transfers, and ATM deposits are not allowed. Washington Trust checking account required. Available to open online, by phone or at any Washington Trust branch. No municipal or government funds or IRA. Maximum deposit amount is $5 million. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
6 Month Certificate	3.25%	3.30%	6 Months
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
9 Month Certificate	3.21%	3.25%	9 Months
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
5 Year Certificate	2.72%	2.75%	5 Years
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
4 Year Certificate	1.63%	1.65%	4 Years
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
3 Year Certificate	1.44%	1.45%	3 Years
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
2 Year Certificate	1.19%	1.20%	2 Years
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
18 Month Certificate	1.14%	1.15%	18 Months
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
12 Month Certificate	1.09%	1.10%	12 Months
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
91 Day Certificate	1.09%	1.10%	91 Days
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%

Washington Trust Company, of Westerly Savings Rates

Product	Rate	APY
High-Rate Savings Account	2.95%	3.00%
Min Deposit $10,000 Min Balance $250,000 Details APY with Freedom Ultra Checking: 3.50%; Minimum to Open is $10,000.00. If a Freedom Ultra Checking account holder, minimum is $25.00. Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 3.50% → 3.00% ▼ 0.50 pts · high 3.50% / low 3.00% Sep 24, 20263.00%▼ from 3.50% Sep 18, 20263.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
High-Rate Savings Account	2.86%	2.90%
Min Deposit $10,000 Min Balance $50,000 Details Balance: $50,000.00 - $249,999; APY with Freedom Ultra Checking: 3.40%; Minimum to Open is $10,000.00. If a Freedom Ultra Checking account holder, minimum is $25.00. Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 3.40% → 2.90% ▼ 0.50 pts · high 3.40% / low 2.90% Sep 24, 20262.90%▼ from 3.40% Sep 18, 20263.40%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
High-Rate Savings Account	1.83%	1.85%
Min Deposit $10,000 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99; APY with Freedom Ultra Checking: 2.35%; Minimum to Open is $10,000.00. If a Freedom Ultra Checking account holder, minimum is $25.00. Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 2.35% → 1.85% ▼ 0.50 pts · high 2.35% / low 1.85% Sep 24, 20261.85%▼ from 2.35% Sep 18, 20262.35%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
High-Rate Savings Account	1.73%	1.75%
Min Deposit $10,000 Min Balance $2,500 Details Balance: $2,500.00 - $24,999.99; APY with Freedom Ultra Checking: 2.25%; Minimum to Open is $10,000.00. If a Freedom Ultra Checking account holder, minimum is $25.00. Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 2.25% → 1.75% ▼ 0.50 pts · high 2.25% / low 1.75% Sep 24, 20261.75%▼ from 2.25% Sep 18, 20262.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
High-Rate Savings Account	1.58%	1.60%
Min Deposit $10,000 Min Balance $2,500 Details APY with Freedom Ultra Checking: 2.10%; Minimum to Open is $10,000.00. If a Freedom Ultra Checking account holder, minimum is $25.00. Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 2.10% → 1.60% ▼ 0.50 pts · high 2.10% / low 1.60% Sep 24, 20261.60%▼ from 2.10% Sep 18, 20262.10%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
Freedom Statement Savings	0.05%	0.05%
Min Deposit $25 Min Balance $1,000,000 Details Balance: $1,000,000.00 and over Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
Freedom Statement Savings	0.05%	0.05%
Min Deposit $25 Min Balance $250,000 Details Balance: $250,000.00 - $999,999,99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
Freedom Statement Savings	0.05%	0.05%
Min Deposit $25 Min Balance $50,000 Details Balance: $50,000.00 - $249,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
Freedom Statement Savings	0.05%	0.05%
Min Deposit $25 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
Freedom Statement Savings	0.05%	0.05%
Min Deposit $25 Min Balance $2,500 Details Balance: $2,500.00 - $24,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%

Washington Trust Company, of Westerly Checking Rates

Product	Rate	APY
Freedom Ultra Checking	0.10%	0.10%
Min Deposit $25 Min Balance $100,000 Details Balance: $100,000.00 and over Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
Freedom Ultra Checking	0.10%	0.10%
Min Deposit $25 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
Freedom Ultra Checking	0.10%	0.10%
Min Deposit $25 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
Freedom Ultra Checking	0.10%	0.10%
Min Deposit $25 Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
Freedom Ultra Checking	0.10%	0.10%
Min Deposit $25 Min Balance $1,500 Details Balance: $1,500.00 - $9,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
Freedom Plus Checking	0.05%	0.05%
Min Deposit $25 Min Balance $1,500 Details Balance: $1,500.00 and over Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
Freedom Checking	0.01%	0.01%
Min Deposit $25 Min Balance $5,000 Details Balance: $5,000.00 and over Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
Simply Free Checking	0.01%	0.01%
Min Deposit $25 Min Balance $5,000 Details Balance: $5,000.00 and over Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%

Washington Trust Company, of Westerly Mortgage Rates

Product	Rate	Points	APR	Term
7/6 Jumbo ARM	6.50%	1	6.783%	30 Years
Details Caps: 5% initial, 1% every six months, 5% lifetime; For months 1 to 84, the payment per $1000 is $6.32. Based on the current index and margin, for months 85 to 360, the rate would be 5.875% and the payment per $1000 is $6.72. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 6.78% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
5/6 Jumbo ARM	6.50%	1	6.812%	30 Years
Details Caps: 2% initial, 1% every six months, 5% lifetime; For months 1 to 60, the payment per $1000 is $6.32. Based on the current index and margin, for months 61 to 360, the rate would be 5.875% and the payment per $1000 is $6.50. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 6.81% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
5/6 Jumbo ARM	6.75%	0	6.816%	30 Years
Details Caps: 2% initial, 1% every six months, 5% lifetime; For months 1 to 60, the payment per $1000 is $6.49. Based on the current index and margin, for months 61 to 360, the rate would be 5.875% and the payment per $1000 is $6.44. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 6.82% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
7/6 Jumbo ARM	6.75%	0	6.816%	30 Years
Details Caps: 5% initial, 1% every six months, 5% lifetime; For months 1 to 84, the payment per $1000 is $6.49. Based on the current index and margin, for months 85 to 360, the rate would be 5.875% and the payment per $1000 is $6.69. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 6.82% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
10/6 Jumbo ARM	6.625%	1	6.831%	30 Years
Details Caps: 5% initial, 1% every six months, 5% lifetime; For months 1 to 120, the payment per $1000 is $6.40. Based on the current index and margin, for months 121 to 360, the rate would be 5.875% and the payment per $1000 is $7.23. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 6.83% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
Fixed Rate Mortgages	6.625%	1	6.957%	15 Year
No additional details. Last Updated 10/07/2026 Rate History 3 changes since Sep 18, 2026 · 6.70% → 6.96% ▲ 0.25 pts · high 7.08% / low 6.70% Oct 7, 20266.96%▼ from 7.08% Oct 1, 20267.08%▲ from 6.96% Sep 27, 20266.96%▲ from 6.70% Sep 18, 20266.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
10/6 Jumbo ARM	7.00%	0	6.986%	30 Years
Details Caps: 5% initial, 1% every six months, 5% lifetime; For months 1-20, the payment per $1000 is $6.65. Based on the current index and margin, for months 121 to 360, the rate would be 5.875% and the payment per $1000 is $7.16. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 6.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
Jumbo Fixed Mortgage - 15 Year	6.75%	1	7.02%	15 Year
Details over $832,750 Last Updated 10/07/2026 Rate History No change since Oct 1, 2026 · 7.02% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
Fixed Rate Mortgages	6.875%	0	7.048%	15 Year
No additional details. Last Updated 10/07/2026 Rate History 4 changes since Sep 18, 2026 · 6.80% → 7.05% ▲ 0.25 pts · high 7.16% / low 6.80% Oct 7, 20267.05%▼ from 7.16% Oct 1, 20267.16%▲ from 7.05% Sep 27, 20267.05%▲ from 6.92% Sep 24, 20266.92%▲ from 6.80% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
Fixed Rate Mortgages	6.625%	1	7.092%	10 Year
No additional details. Last Updated 10/07/2026 Rate History 3 changes since Sep 18, 2026 · 6.84% → 7.09% ▲ 0.25 pts · high 7.22% / low 6.84% Oct 7, 20267.09%▼ from 7.22% Oct 1, 20267.22%▲ from 7.09% Sep 27, 20267.09%▲ from 6.84% Sep 18, 20266.84%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
Jumbo Fixed Mortgage - 15 Year	7.00%	0	7.11%	15 Year
Details over $832,750 Last Updated 10/07/2026 Rate History No change since Oct 1, 2026 · 7.11% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
Jumbo Fixed Mortgage - 30 Year	7.00%	1	7.169%	30 Year
Details over $832,750 Last Updated 10/07/2026 Rate History 1 change since Oct 1, 2026 · 7.04% → 7.17% ▲ 0.13 pts · high 7.17% / low 7.04% Oct 7, 20267.17%▲ from 7.04% Oct 1, 20267.04%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
Jumbo Fixed Mortgage - 30 Year	7.125%	0	7.194%	30 Year
Details over $832,750 Last Updated 10/07/2026 Rate History No change since Oct 1, 2026 · 7.19% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
Jumbo Fixed Mortgage - 20 Year	7.125%	0	7.215%	20 Year
Details over $832,750 Last Updated 10/07/2026 Rate History No change since Oct 1, 2026 · 7.22% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
Jumbo Fixed Mortgage - 20 Year	7.00%	1	7.22%	20 Year
Details over $832,750 Last Updated 10/07/2026 Rate History 1 change since Oct 1, 2026 · 7.09% → 7.22% ▲ 0.13 pts · high 7.22% / low 7.09% Oct 7, 20267.22%▲ from 7.09% Oct 1, 20267.09%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
Fixed Rate Mortgages	7.00%	0	7.244%	10 Year
No additional details. Last Updated 10/07/2026 Rate History 3 changes since Sep 18, 2026 · 6.99% → 7.24% ▲ 0.25 pts · high 7.24% / low 6.99% Oct 7, 20267.24%▲ from 7.23% Oct 1, 20267.23%▲ from 7.12% Sep 27, 20267.12%▲ from 6.99% Sep 18, 20266.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
Fixed Rate Mortgages	7.125%	1	7.399%	20 Year
No additional details. Last Updated 10/07/2026 Rate History 3 changes since Sep 18, 2026 · 6.89% → 7.40% ▲ 0.51 pts · high 7.40% / low 6.89% Oct 1, 20267.40%▲ from 7.27% Sep 27, 20267.27%▲ from 7.02% Sep 24, 20267.02%▲ from 6.89% Sep 18, 20266.89%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
Fixed Rate Mortgages	7.25%	1	7.463%	30 Year
No additional details. Last Updated 10/07/2026 Rate History 2 changes since Sep 18, 2026 · 7.08% → 7.46% ▲ 0.38 pts · high 7.46% / low 7.08% Oct 1, 20267.46%▲ from 7.34% Sep 27, 20267.34%▲ from 7.08% Sep 18, 20267.08%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
Fixed Rate Mortgages	7.375%	0	7.486%	30 Year
No additional details. Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 7.23% → 7.49% ▲ 0.25 pts · high 7.49% / low 7.23% Sep 27, 20267.49%▲ from 7.23% Sep 18, 20267.23%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
Fixed Rate Mortgages	7.375%	0	7.519%	20 Year
No additional details. Last Updated 10/07/2026 Rate History 2 changes since Sep 18, 2026 · 7.14% → 7.52% ▲ 0.38 pts · high 7.52% / low 7.14% Sep 27, 20267.52%▲ from 7.27% Sep 24, 20267.27%▲ from 7.14% Sep 18, 20267.14%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%

Washington Trust Company, of Westerly Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loans	-	-	6.375%	60 Months
No additional details. Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 6.25% → 6.38% ▲ 0.13 pts · high 6.38% / low 6.25% Sep 27, 20266.38%▲ from 6.25% Sep 18, 20266.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
Home Equity Loans	-	-	6.50%	120 Months
No additional details. Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 6.38% → 6.50% ▲ 0.13 pts · high 6.50% / low 6.38% Sep 27, 20266.50%▲ from 6.38% Sep 18, 20266.38%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
Home Equity Line of Credit	-	-	6.625%
Details Rate After Initial 12 Months Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 6.63% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
Home Equity Loans	-	-	6.625%	180 Months
No additional details. Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 6.50% → 6.63% ▲ 0.13 pts · high 6.63% / low 6.50% Sep 27, 20266.63%▲ from 6.50% Sep 18, 20266.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
Home Equity Loans	-	-	6.99%	240 Months
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 6.99% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
Home Equity Line of Credit	-	-	7.00%
Details APR is a variable rate and will be based on the Wall Street Journal's Prime Rate which is 7.00 % as of 9/17/2026. Your APR will vary monthly if the Prime Rate changes but will not exceed 18.00% or be less than 2.75%. Account closure fee of $350 for lines up to $500,000 or $500 for lines over $500,000 will be assessed if the account is closed within the first three years. A Washington Trust personal checking account is required. Annual fee of $50 due each year of the draw period beginning with the 13th billing cycle. Some home improvement projects may be subject to inspection fees and a satisfactory completion certificate. Subject to the recording fee of approximately $88 in RI and $110-$217 in CT, MA, and NH. Trust review fees of $250 may apply if property is held in a trust. Other restrictions may apply. Other fees may apply. Property insurance is required. Flood insurance where required by law. Single-family, owner-occupied primary residences or second homes only. Maximum loan-to-value of 80% up to $500,000. Consult your tax advisor regarding the deductibility of interest. Rates effective as of October 06, 2026. Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 6.63% → 7.00% ▲ 0.38 pts · high 7.00% / low 6.63% Oct 7, 20267.00%▲ from 6.63% Sep 18, 20266.63%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
Home Equity Loans	-	-	7.00%
Details Rates effective as of October 06, 2026. Requires auto deduction from a Washington Trust checking account. Single-family, owner-occupied primary residences or second homes only. Maximum loan-to-value of 80% up to $400,000. Property Insurance required. **Per $1,000 Borrowed Last Updated 10/07/2026 Rate History No change since Sep 27, 2026 · 7.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
Home Equity Loans	-	-	7.25%	360 Months
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 7.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%

Washington Trust Company, of Westerly Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loan	-	-	7.00%
Details This product is not available for debt consolidation or education purposes. These rates are for Connecticut, Massachusetts, and Rhode Island residents. Requires auto deduction from a Washington Trust checking account. Rates effective as of October 06, 2026. **Per $1,000 Borrowed Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 7.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%

Washington Trust Company, of Westerly Personal Loan Rates

Product	APR	Term
Unsecured Personal Loan	13.75%	60 Months
No additional details. Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 9.42% → 13.75% ▲ 4.33 pts · high 13.75% / low 9.42% Sep 24, 202613.75%▲ from 9.42% Sep 18, 20269.42%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
Unsecured Personal Loan	15.65%	60 Months
No additional details. Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 9.42% → 15.65% ▲ 6.23 pts · high 15.65% / low 9.42% Sep 24, 202615.65%▲ from 9.42% Sep 18, 20269.42%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%

Washington Trust Company, of Westerly Other Rates

Product	Rate	Points	APY/APR	Term
Credit Reserve Loan	-	-	18.00%
Details Greater of 5% of outstanding balance or $25.00 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 18.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
Land Loans (Buildable Land)	-	-	8.24%	60 Months
Details Loan to Value: Up to 65% LTV Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 8.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
Land Loans (Buildable Land)	-	-	8.54%	120 Months
Details Loan to Value: Up to 65% LTV Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 8.54% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
Land Loans (Buildable Land)	-	-	8.74%	180 Months
Details Loan to Value: Up to 65% LTV Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 8.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
Manufactured Homes on Leased Land Loan	-	-	9.424%	60 Months
Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 9.42% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
Manufactured Homes on Leased Land Loan	-	-	9.611%	120 Months
Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 9.61% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%
Manufactured Homes on Leased Land Loan	-	-	10.082%	144 Months
Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 10.08% APR · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.00%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Washington Trust Company, of Westerly’s Texas Ratio fell from 7.68% in Q3 2023 to 7.00% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 4.2 to 5.0 and its Health Grade from B+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$6.6B	7.00%	5.0	A
March 31, 2026	$6.5B	7.21%	5.0	A
December 31, 2025	$6.6B	2.32%	5.0	A+
September 30, 2025	$6.7B	2.57%	5.0	A+
June 30, 2025	$6.7B	4.80%	5.0	A+
March 31, 2025	$6.6B	4.02%	5.0	A+
December 31, 2024	$6.9B	4.52%	5.0	A+
September 30, 2024	$7.1B	6.01%	5.0	A
June 30, 2024	$7.2B	6.40%	4.8	A
March 31, 2024	$7.2B	6.50%	4.7	A
December 31, 2023	$7.2B	9.27%	4.8	A
September 30, 2023	$7.2B	7.68%	4.2	B+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Washington Trust Company, of Westerly 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 Trust Company, of Westerly 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 Trust Company, of Westerly's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Washington Trust Company, of Westerly

Bank Holding Company WASHINGTON TRUST BCORP INC

Address 23 Broad St, Westerly, RI 02891 · Washington

Website https://www.washtrust.com

FDIC Certificate # 23623

Established 18000101

FDIC Insurance Date 19820102

Domestic Offices 30

Total Branches 30

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 97/100

5.0

Exceptional Out of 5.0 Stars

7.00%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.8978%

Return on Equity (ROE) 10.4400%

Non-Performing Loans (NPL) 0.61%

Total Assets $6,551,001,000

Total Deposits $5,364,294,000

Equity Capital $568,667,000

Net Income $29,378,000

Headquarters Westerly

Total Branches and Offices 30

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Washington Trust Company, of Westerly earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Customer Reviews

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Frequently Asked Questions About Washington Trust Company, of Westerly

How many branches does Washington Trust Company, of Westerly operate?

Washington Trust Company, of Westerly currently maintains approximately 30 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 Trust Company, of Westerly 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 Trust Company, of Westerly provides members with tools to manage their accounts and build a solid financial history.

Does Washington Trust Company, of Westerly offer online and mobile banking?

Most modern institutions like Washington Trust Company, of Westerly 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.washtrust.com.

Current Washington Trust Company, of Westerly Rates

12-Month CD1.10%
18-Month CD1.15%
24-Month CD1.20%
36-Month CD1.45%
48-Month CD1.65%
60-Month CD2.75%
Savings3.00%

Retrieved from our database of financial products. Rates subject to change.

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Washington Trust Company, of Westerly Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Washington Trust Company, of Westerly Texas Ratio

Washington Trust Company, of Westerly Health Trend

Washington Trust Company, of Westerly CD Rates

Washington Trust Company, of Westerly Savings Rates

Washington Trust Company, of Westerly Checking Rates

Washington Trust Company, of Westerly Mortgage Rates

Washington Trust Company, of Westerly Home Equity & HELOC

Washington Trust Company, of Westerly Auto Loan Rates

Washington Trust Company, of Westerly Personal Loan Rates

Washington Trust Company, of Westerly Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financial Health & Assets

Washington Trust Company, of Westerly earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Washington Trust Company, of Westerly

How many branches does Washington Trust Company, of Westerly operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Washington Trust Company, of Westerly offer online and mobile banking?

Current Washington Trust Company, of Westerly Rates

Compare to Other Banks