Deposit Interest Rates

Rates Effective as of December 1, 2019

ProductTermMinimum
To Open
Balance to Obtain
Annual Percentage Yield (APY)
Interest RateAnnual Percentage
Yield (APY)
Regular CheckingN/A$25N/AN/AN/A
Business CheckingN/A$100 N/AN/AN/A
NOW Accounts(a,e,f)
Including IORTA and IOLTA
N/A$750Up to $2,4990.05% 0.05%
$2,500 - $99,9990.08% 0.08%
$100,000 and up0.15% 0.15%
Money Market
Account(a,e,f)
N/A$2,500Up to $2,499 0.05% 0.05%
$2,500 - $24,9990.05%0.05%
$25,000 - $99,9990.15% 0.15%
$100,000 - $299,9990.15%0.15%
$300,000 and up0.15%0.15%
Premium
Money Market
Account(a,e,f)
N/A $25,000Up to $24,9990.05%0.05%
$25,000 - $49,9990.15% 0.15%
$50,000 - $99,9990.25%0.25%
$100,000 to $249,9991.00%1.00%
$250,000 and up1.50% 1.51%
Statement
Savings(a,e,f)
N/A$100Up to $2,4990.05%0.05%
$2,500 - $99,9990.10% 0.10%
$100,000 and up 0.15%0.15%
Youth/Student
Savings(e,f)
N/A $1Up to $2,499 0.05%0.05%
$2,500 - $99,9990.10% 0.10%
$100,000 and up0.15% 0.15%
Savings Club(b,e,f)
(50 Week Term)
N/A $1 $1 0.05%0.05%
Health Savings
Account(HSA)(e,f)
N/A $50Up to $9990.15%0.15%
$1,000 - $9,9990.35% 0.35%
$10,000 and up 0.50% 0.50%
Automatic Transfer
Account(ATS)(a,e,f)
N/A $750Up to $2,4990.05% 0.05%
$2,500 - $99,9990.10%0.10%
$100,000 and up0.15%0.15%
Certificates of Deposit
(CD)(b)
Includes Individual
Retirement Accounts
(IRA)(c)and CDARS(d)
Investments
3 Months $200$2000.30%0.30%
6 Months$200$2000.45%0.45%
12 Months $200$2000.70%0.70%
24 Months$200$2001.00%1.00%
36 Months$200$2001.26%1.27%
60 Months$200$2001.51% 1.52%
28 Day
Certificate of Deposit
(CD)(b) CDARS(d)only
28 Days$10,000$10,0000.05%0.05%

a) Fees could reduce earnings on accounts.
b) Penalty imposed for early withdrawal prior to maturity date.
c) IRA CDs : $50 minimum to open account; Minimum average daily balance of $50 to obtain the APY.
d) CDARS (Certificate of Deposit Account Registry Service) CDs are subject to a $10,000 minimum opening deposit.
e) The interest rate and APY may change after account opening
f) Variable rate account – rate may change after account opening

RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. PLEASE CONTACT A WRSB CUSTOMER SERVICE REPRESENTATIVE FOR FURTHER DETAILS ON DEPOSIT ACCOUNTS OFFERED

Auto & Personal Loans

Rates Effective as of December 3, 2019

New Auto Loans

CategoryMaximum
Loan-to-Value
Maximum
Term
Loan
Rates
Annual
Percentage Rate
Mo. Payment Per
$1000 borrowed
2017-2019 New Vehicles or
Vehicles with <5000 MILES
100%3 Years3.99-7.49%3.99-7.49%$29.52
100%4 Years4.24-7.74%4.24-7.74%$22.69
100%5 Years4.49-7.99%4.49-7.99%$18.64
100%6 Years4.99-8.49%4.99-8.49%$16.10

New & Used ATV's, Motorcycles, Snowmobiles, and Campers maximum LTV is 90%.

Used Auto Loans

CategoryMaximum
Loan-to-Value
Maximum
Term
Loan
Rates
Annual
Percentage Rate
Monthly Payment
Per $1000
2014 to 2019100%5 Years6.49-9.99%6.49-9.99%$19.56
2011 to 2013100%4 Years8.49-11.99%8.49-11.99%$24.64
2008 to 201090%3 Years8.49-11.99%8.49-11.99%$31.56
2007 & Older90%2 Years8.49-11.99%8.49-11.99%$45.45


"The Current Rates and Annual Percentage Rates (APRs) shown above indicate the range of interest rates and APRs associated with our risk-based pricing policy. The interest rate and APR applicable to an individual applicant's loan will be determined based on the applicant's TransUnion (Empirica) credit score. In the case of multiple applicants for the same loan, the interest rate and APR will be determined based on the highest TransUnion (Empirica) credit score of the applicants. Please contact a WRSB Branch Manager to determine the rate for which you qualify and for a full description of loan terms and conditions."

Same rates and terms shown above for personal vehicles (car, van, truck) also applies to all ATV's, Motorcycles, Snowmobiles, and Campers.

VSI (Vendor Single Interest Insurance) is required on all types of loans listed above. The VSI fee is $40.00

Loans between $1,000 and $4,000 are subject to the additional processing fee of $95. Please contact a lender for APR.

Rates and Programs are subject to change without notice. Other loan products are available and the Annual Percentage Rate may be different when based on different terms and conditions. For more information, please contact us.

Personal Loans and Lines of Credit

CategoryMaximum
Loan-to-Value
Maximum
Term
Loan
Rates
Annual
Percentage Rate
Monthly Payment
Per $1000
Unsecured
Personal Loan
N/A3 Years16.00%16.000%$35.16
Unsecured Personal Line
of Credit (fixed)
N/AN/A16.00%16.000%4% of outstanding balance
or $100, whichever is greater
Unsecured Overdraft
Protection (fixed)
N/AN/A16.00%16.000%4% of outstanding balance
or $50, whichever is greater

APR's and monthly payments on Overdraft Protection Line of Credit is based on $1000 for the maximum term. Includes a $15 annual fee and $2 per transfer fee.

Loans between $1,000 and $4,000 are subject to the additional processing fee of $95. Please contact a lender for APR.

Rates and Programs are subject to change without notice. Other loan products are available and the Annual Percentage Rate may be different when based on different terms and conditions. For more information, please contact us.

Primary Residence & One Unit Second Homes

Rates Effective as of December 3, 2019

Loan TypeMax LTV 1
TermsPoints 3
Interest RatesCurrent APR 2
Mo. Payment Per
$1000 borrowed2
Fixed Rate Mortgages80%30 years0*5.000%5.087%$5.39
80%20 years0*4.375%4.491%$6.28
80%15 years0*4.250%4.398%$7.55
My First Home Loan (4)90%30 years0*5.750%5.841%$5.86
90%20 years0*5.500%5.621%$6.91
90%15 years0*5.250%5.401%$8.07
Veterans Administration (VA)100%30 years0*5.125%5.214%$5.50
100%15 years0*5.000%5.155%$7.92

(*)Risk-based Pricing - We use a system of risk-based pricing to determine the interest rate that we charge. Risk-based pricing is a system that evaluates the risk factors of your mortgage application and credit profile, and then adjusts the interest based on this risk evaluation. Your interest rate and APR may vary from those shown above, depending on your median credit score. Contact a WRSB Mortgage Loan Originator for more information regarding our risk-based pricing practices.


1 Maximum Loan-to-Value Ratio, including all liens secured by the property.
2 APR and monthly payment based on a loan amount of $ 100,000 and the maximum loan term.
3 Each Point is equal to one percent of the loan amount. All available point options are shown above.
4 Specific to first time home buyers and is subject to income eligibility restrictions and minimum credit score of 620.

Rates and Programs are subject to change without notice. Other loan products are available and the Annual Percentage Rate may be different when based on different terms and conditions.

For more information, please contact us.

Secondary Market Saleable - Servicing Released

Rates Effective as of December 3, 2019. 45 Day Rate Locks

Loan TypeMax LTV1
TermsPoints 3
Interest RatesCurrent APR2
Mo. Payment Per
$1000 borrowed2
Fixed Rate Mortgages80%15 Years03.750%3.953%$7.28
Fixed Rate Mortgages80%20 Years03.875%4.034%$6.00
Fixed Rate Mortgages80%30 Years04.125%4.241%$4.85

Please inquire with a residential lender.

Conventional Fixed 1-4 Family Owner Occupied
All borrowers must have a minimum credit score of 620.

1 Maximum Loan-to-Value Ratio, including all liens secured by the property.
2 Annual Percentage Rate (APR) and monthly payment based on a loan amount of $100,000 with 20% downpayment and for the maximum loan term. Private Mortgage Insurance (PMI) is required on all loans in excess of 80% LTV.
3 Each Point is equal to one percent of the loan amount. All available point options are shown above.


Rates and Programs are subject to change without notice. Other loan products are available and the Annual Percentage Rate may be different when based on different terms and conditions. For more information, please contact one of our Mortgage Loan Originators at 802-757-2361.

Second Mortgages & Home Equity Lines of Credit

Rates Effective as of December 3, 2019

Fixed Rate Home Equity Loans

Loan TypeMax. CLTV1
Maximum TermInterest RatesAnnual Percentage Rate2
Mo. Payment Per
$1000 borrowed2
Amortizing 2nd Mortgage80%5 Years5.500%5.576%$19.10
Amortizing 2nd Mortgage80%10 Years6.000%6.042%$11.10
Amortizing 2nd Mortgage80%20 Years6.500%6.523%$7.46

Variable Rate Home Equity Loan

Loan TypeMax. CLTV1Maximum TermInterest RatesAnnual Percentage Rate2Mo. Payment Per
$1000 borrowed2
Line of Credit - Interest Only
Quarterly Rate Change 3
80%10 Yr Draw Period
10 Yr Repayment Period
4.750%4.750%
Max APR is 18.00%
Accrued Interest or
$50, whichever is
greater

Home equity products are offered for primary residences and second home properties. Property insurance is required. You may incur fees to third parties such as appraisers, lawyers and town clerks. These third-party fees range between $0 and $1000.

1 Combined Maximum Loan-to-Value Ratio, including all liens secured by the property.
2 Annual Percentage Rate and monthly payment based on a loan amount of $10,000 and the maximum loan term.
3 Interest Rate based on Wall Street Journal Prime Rate, currently 4.750%, plus a 0% margin with a floor rate of 4.00%.

Rates and Programs are subject to change without notice. Other loan products are available and the Annual Percentage Rate may be different when based on different terms and conditions. For more information, please contact us.