Current Deposit, Mortgage & Loan Rates
Wells River Savings Bank offers competitive rates on deposit accounts, mortgages, home equity products, and consumer loans for customers throughout Vermont and New Hampshire.
Whether you’re saving for the future, purchasing a home, refinancing, or financing a major purchase, our local banking team is committed to helping customers find financial solutions that fit their goals and budgets.
View our current rates below:
Deposit Interest Rates
Rates Effective as of July 1, 2026
| Product | Term | Minimum To Open | Balance to Obtain Annual Percentage Yield (APY) | Interest Rate | Annual Percentage Yield (APY) |
|---|---|---|---|---|---|
| Regular Checking | N/A | $25 | N/A | N/A | N/A |
| Business Checking | N/A | $100 | N/A | N/A | N/A |
| Kasasa Cash Back (e,f,g) | N/A | $25 | N/A | N/A | N/A |
| Kasasa Cash (e,f,g) | N/A | $25 | Up to $35,000 | 2.4718% | 2.50% |
| $35,000 and up | 0.2497% | 0.25% | |||
| All balances on non-qualifying accounts | 0.0499% | 0.05% | |||
| Kasasa Saver (e,f,g) | N/A | $100 | Up to $75,000 | 0.9954% | 1.00% |
| $75,000 and up | 0.2497% | 0.25% | |||
| All balances on non-qualifying accounts | 0.0499% | 0.05% | |||
| NOW Accounts(a,e,f) Including IORTA and IOLTA | N/A | $750 | Up to $2,499 | 0.05% | 0.05% |
| $2,500 - $99,999 | 0.08% | 0.08% | |||
| $100,000 and up | 0.15% | 0.15% | |||
| Money Market Account(a,e,f) | N/A | $2,500 | Up to $2,499 | 0.05% | 0.05% |
| $2,500 - $24,999 | 0.05% | 0.05% | |||
| $25,000 - $99,999 | 0.15% | 0.15% | |||
| $100,000 - $299,999 | 0.15% | 0.15% | |||
| $300,000 and up | 0.15% | 0.15% | |||
| Premium Money Market Account(a,e,f) | N/A | $25,000 | Up to $24,999 | 0.05% | 0.05% |
| $25,000 - $49,999 | 0.15% | 0.15% | |||
| $50,000 - $99,999 | 0.25% | 0.25% | |||
| $100,000 to $249,999 | 0.40% | 0.40% | |||
| $250,000 and up | 0.60% | 0.60% | |||
| Statement Savings(a,e,f) | N/A | $100 | Up to $2,499 | 0.05% | 0.05% |
| $2,500 - $99,999 | 0.10% | 0.10% | |||
| $100,000 and up | 0.15% | 0.15% | |||
| Youth/Student Savings(e,f) | N/A | $1 | Up to $2,499 | 0.05% | 0.05% |
| $2,500 - $99,999 | 0.10% | 0.10% | |||
| $100,000 and up | 0.15% | 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 | $50 | Up to $999 | 0.15% | 0.15% |
| $1,000 - $9,999 | 0.35% | 0.35% | |||
| $10,000 and up | 0.50% | 0.50% | |||
| Automatic Transfer Account(ATS)(a,e,f) | N/A | $750 | Up to $2,499 | 0.05% | 0.05% |
| $2,500 - $99,999 | 0.10% | 0.10% | |||
| $100,000 and up | 0.15% | 0.15% | |||
| Certificates of Deposit (CD)(b) Includes Individual Retirement Accounts (IRA)(c)and CDARS(d) Investments | 3 Months | $200 | $200 | 0.15% | 0.15% |
| 6 Months | $200 | $200 | 3.75% | 3.82% | |
| 12 Months | $200 | $200 | 3.50% | 3.56% | |
| 24 Months | $200 | $200 | 2.75% | 2.78% | |
| 36 Months | $200 | $200 | 0.60% | 0.60% | |
| 60 Months | $200 | $200 | 0.60% | 0.60% | |
| Insured Cash Sweep (ICS) Checking | N/A | $1 | N/A | N/A | N/A |
| Insured Cash Sweep (ICS) NOW Account | N/A | $1 | $1 | 0.15% | 0.15% |
| Insured Cash Sweep (ICS) Money Market | N/A | $1 | $1 | 0.60% | 0.60% |
| Insured Cash Sweep (ICS) Savings | N/A | $1 | $1 | 0.15% | 0.15% |
| 28 Day Certificate of Deposit (CD)(b) CDARS(d)only | 28 Days | $10,000 | $10,000 | 0.05% | 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.
g) Must meet the following monthly qualifications: Have 12 or more debit card purchases post and settle to your Kasasa Checking account, Be enrolled and receive e-statements, Be enrolled and login to online banking at least once per qualification cycle.
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 July 1, 2026
New Auto Loans
| Category | Maximum Loan-to-Value | Maximum Term | Loan Rates | Annual Percentage Rate | Mo. Payment Per $1000 borrowed |
|---|---|---|---|---|---|
| 2023-2026 New Vehicles or Vehicles with less than 5,000 miles | 100% | 3 Years | 6.00-9.50% | 6.14-9.65%* | $30.42-$32.03 |
| 100% | 4 Years | 6.25-9.50% | 6.36-9.62%* | $23.60-$25.12 | |
| 100% | 5 Years | 6.50-10.00% | 6.59-10.10%* | $19.57-$21.25 | |
| 100% | 6 Years | 6.75-10.25% | 6.83-10.33%* | $16.93-$18.65 |
Used Auto Loans
| Category | Maximum Loan-to-Value | Maximum Term | Loan Rates | Annual Percentage Rate | Monthly Payment Per $1000 |
|---|---|---|---|---|---|
| 2022 to 2026 | 100% | 6 Years | 7.00-11.00% | 8.24 - 12.30%** | $17.05-$19.04 |
| 100% | 5 Years | 7.00-11.00% | 8.46 - 12.52%** | $19.81-$21.75 | |
| 2018 to 2021 | 100% | 5 Years | 7.25-12.75% | 8.71 - 14.30%** | $19.92-$22.63 |
| 2013 to 2017 | 90% | 4 Years | 7.75-13.00% | 9.55 - 14.89%** | $24.30-$26.83 |
| 2012 & Older | 90% | 3 Years | 9.00-13.25% | 11.37 - 15.69%** | $31.81-$33.81 |
ATV, Snowmobile, Boat & Motorcycle Loans
Camper (New/Used) Loans
Personal Use Equipment Loans
Personal Loans and Lines of Credit
Please contact a Lender for more information.
Rates and Programs are subject to change without notice.
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.
VSI (Vendor Single Interest Insurance) is required on all types of loans listed above. The VSI fee is $40.
*APR's on NEW Autos are based on $20,000 loan for the specified term and includes VSI fee
**APR's on USED Autos are based on $4,000 for specified term and includes VSI and $95 Processing fees
$95.00 Processing fee waived on loans over $4,000.
The Annual Percentage Rate may be different when based on different terms
Primary Residence & One Unit Second Homes
Rates Effective as of May 5, 2026
| Loan Type | Max LTV | Terms | Points | Interest Rates | Current APR | Mo. Payment Per $1000 borrowed |
|---|---|---|---|---|---|---|
| Fixed Rate Mortgages (1)* | 80% | 30 years | 0 | 6.625% | 6.744% | $6.40 |
| 80% | 20 years | 0 | 6.375% | 6.530% | $7.38 | |
| 80% | 15 years | 0 | 6.125% | 6.318% | $8.51 | |
| My First Home Loan (2)* | 90% | 30 years | 0 | 7.000% | 7.122% | $6.65 |
| 90% | 20 years | 0 | 6.750% | 6.908% | $7.60 | |
| 90% | 15 years | 0 | 6.500% | 6.695% | $8.71 | |
| Veterans Administration (VA)** | 100% | 30 years | 0 | 6.625% | 7.023% | $6.40 |
| 100% | 15 years | 0 | 6.125% | 6.767% | $8.51 |
*APR based on $100,000 loan for the specified term and includes fees of ($650 processing, $25 Flood Determination, $46 Tax Research and $500 Title Settlement)
**APR based on $100,000 loan for the specified term and includes fees of ($650 processing, $25 Flood Determination, $3,300 VA Funding)
Primary residence requires minimum 5% down, second homes require 20% down unless otherwise indicated.
Loans with ltv greater than 80% require private mortgage insurance.
Loans are subject to credit approval.
Rates and terms are subject to change without prior notice.
(1) 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.
(2) Specific to first time home buyers and is subject to income eligibility restrictions and minimum credit score of 620
For more information, please contact us.
Secondary Market Saleable - Servicing Released
Please inquire with a residential lender.
Conventional Fixed 1-4 Family Owner Occupied
All borrowers must have a minimum credit score of 620.
For more information, please contact one of our Mortgage Loan Originators at 802-757-2361.
Second Mortgages & Home Equity Lines of Credit
Fixed Rate Home Equity Loans
Variable Rate Home Equity Loan
Please contact Wells River Savings Bank for the latest rate information and personalized assistance.
Please contact Wells River Savings Bank for the latest rate information and personalized assistance.
Deposit Account Rates
Wells River Savings Bank offers a variety of savings and deposit products designed to help customers securely manage and grow their money.
Available deposit account options may include:
- Savings accounts
- Money market accounts
- Certificates of Deposit (CDs)
- IRA CDs
- Kasasa checking accounts
Annual Percentage Yields (APYs) and interest rates may vary depending on account type, balance requirements, and promotional offers. Fees may reduce earnings on certain accounts.
Mortgage Loan Rates
Whether you are purchasing your first home, refinancing an existing mortgage, or financing a second property, Wells River Savings Bank offers local mortgage lending solutions with competitive rates and personalized service.
Our mortgage lending team works directly with borrowers to explain:
- Fixed-rate mortgage options
- Loan terms
- Down payment requirements
- Rate lock information
- Closing costs
- Qualification requirements
Mortgage interest rates and APRs may vary based on factors including:
- Credit score
- Loan-to-value ratio
- Property type
- Loan program
- Risk-based pricing considerations
Consumer Loan Rates
Wells River Savings Bank offers financing solutions for vehicles, recreational equipment, and personal borrowing needs.
Consumer loan options may include:
- Auto loans
- Motorcycle financing
- Snowmobile and ATV loans
- Camper and RV financing
- Personal loans
- Overdraft protection lines of credit
Loan rates and APRs are determined using risk-based pricing and may vary depending on credit qualifications and loan terms.
Home Equity Loan & HELOC Rates
Home equity financing allows qualified homeowners to borrow against the value of their property for home improvements, debt consolidation, education expenses, and other financial goals.
Wells River Savings Bank offers:
- Home Equity Loans
- Home Equity Lines of Credit (HELOCs)
Property insurance is required, and additional third-party fees such as appraisal or legal fees may apply.
Understanding Interest Rates, APRs & APYs
When comparing financial products, it’s important to understand several key terms:
Interest Rate
The interest rate represents the cost of borrowing money or the amount earned on deposits.
APR (Annual Percentage Rate)
APR reflects the total borrowing cost of a loan, including certain fees and financing charges.
APY (Annual Percentage Yield)
APY measures the total amount earned on deposit accounts, including the effects of compound interest.
Rates may change based on market conditions, borrower qualifications, and account type. Wells River Savings Bank encourages customers to speak with a banking or lending representative for personalized guidance.
Local Banking Expertise You Can Trust
Wells River Savings Bank has proudly served communities throughout Vermont and New Hampshire for generations.
Our experienced banking and lending professionals provide personalized support for:
- Homebuyers
- Savers
- Families
- Local businesses
- First-time borrowers
We believe community banking and local decision-making help customers make more informed financial choices.
Frequently Asked Questions
How often are rates updated?
Rates are subject to change without notice and may vary based on market conditions.
Are the rates shown guaranteed?
No. Final rates and APRs may vary depending on credit qualifications, loan amount, account type, and other factors.
What is risk-based pricing?
Risk-based pricing evaluates borrower qualifications and credit history to determine loan rates and APRs.
What affects mortgage loan rates?
Mortgage rates may vary based on credit score, loan-to-value ratio, property type, loan term, and market conditions.
Who can I contact for current rates?
Please contact Wells River Savings Bank directly at 802-757-2361 for current rates and lending information.
