What are the current interest rates at The Wilmington Savings Bank?

Current rates for The Wilmington Savings Bank include: 12-Month CD: 0.25%, 18-Month CD: 0.30%, 24-Month CD: 0.35%, 36-Month CD: 0.50%, 48-Month CD: 0.60%, Savings: 0.15%, MMA: 0.15%

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The Wilmington Savings Bank

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The Wilmington Savings Bank Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, The Wilmington Savings Bank 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: September 20, 2026

The Wilmington Savings Bank's 6-Month CD rates are at 3.80%, 13-Month CD rates are at 3.70%, 4 Years CD rates are at 0.60%, IRA Account - 4 Years rates are at 0.60%, 3 Years CD rates are at 0.50%. The Wilmington Savings Bank's savings rates are at 0.15%. The Wilmington Savings Bank's money market rates are at 0.15%. MonitorBankRates evaluates the financial stability of The Wilmington Savings Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.56%. Rates last updated and verified on 09/20/2026.

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

Verified Healthy 2026 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

4.56%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

The Wilmington Savings Bank

184 N South St
Wilmington, OH 45177

https://www.wilmingtonsavings.com

The Wilmington Savings Bank CD Rates

Product	Rate	APY	Term
6 Month CD	3.73%	3.80%	6 Month
Min Deposit $500 Min Balance $500 Details APY* Disclosed Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
13 Month CD	3.64%	3.70%	13 Month
Min Deposit $500 Min Balance $500 Details APY* Disclosed Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
4 Years CD	0.60%	0.60%	4 Years
Min Deposit $500 Min Balance $500 Details APY* Disclosed Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
IRA Account - 4 Years	0.60%	0.60%	4 Years
Min Deposit $500 Min Balance $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
3 Years CD	0.50%	0.50%	3 Years
Min Deposit $500 Min Balance $500 Details APY* Disclosed Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
IRA Account - 3 Years	0.50%	0.50%	3 Years
Min Deposit $500 Min Balance $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
2 Years CD	0.35%	0.35%	2 Years
Min Deposit $500 Min Balance $500 Details APY* Disclosed Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
IRA Account - 2 Years	0.35%	0.35%	2 Years
Min Deposit $500 Min Balance $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
18 Month CD	0.30%	0.30%	18 Month
Min Deposit $500 Min Balance $500 Details APY* Disclosed Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
IRA Account - 18 month	0.30%	0.30%	18 Months
Min Deposit $100 Min Balance $100 Details *Can add to this account at any time Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
1 Year CD	0.25%	0.25%	1 Year
Min Deposit $500 Min Balance $500 Details APY* Disclosed Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
IRA Account - 1 Year	0.25%	0.25%	1 Year
Min Deposit $500 Min Balance $500 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%

The Wilmington Savings Bank Savings Rates

Product	Rate	APY
Health Savings Account	0.15%	0.15%
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Simple Savings	0.15%	0.15%
Min Deposit $100 Min Balance $100 Details Balance: $100 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%

The Wilmington Savings Bank Money Market Rates

Product	Rate	APY
Premier Money Market	0.45%	0.45%
Min Deposit $100 Min Balance $25,000 Details Balance: $25,000 and over Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Premier Money Market	0.30%	0.30%
Min Deposit $100 Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Premier Money Market	0.20%	0.20%
Min Deposit $100 Min Balance $2,500 Details Balance: $2,500 - $9,999.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Premier Money Market	0.15%	0.15%
Min Deposit $100 Min Balance $0 Details Balance: $0.01 - $2,499.99 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%

The Wilmington Savings Bank Checking Rates

Product	Rate	APY
Premium Checking	0.10%	0.10%
Min Deposit $300 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%
Senior Checking	0.10%	0.10%
Min Deposit $100 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.56%

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

The Wilmington Savings Bank’s Texas Ratio fell from 5.74% in Q3 2023 to 4.56% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold 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 Grade

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	$267M	4.56%	5.0	A+
March 31, 2026	$265M	4.72%	5.0	A+
December 31, 2025	$267M	4.16%	5.0	A+
September 30, 2025	$259M	4.22%	5.0	A+
June 30, 2025	$251M	4.30%	5.0	A+
March 31, 2025	$244M	4.57%	5.0	A+
December 31, 2024	$243M	4.61%	5.0	A+
September 30, 2024	$240M	3.47%	5.0	A+
June 30, 2024	$242M	4.55%	5.0	A+
March 31, 2024	$207M	4.80%	5.0	A+
December 31, 2023	$210M	4.97%	5.0	A+
September 30, 2023	$210M	5.74%	5.0	A+

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 The Wilmington Savings Bank 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 The Wilmington Savings Bank 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 The Wilmington Savings Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name The Wilmington Savings Bank

FDIC Certificate # 31539

Address 184 N South St, Wilmington, OH 45177 · Clinton

Website https://www.wilmingtonsavings.com

Established 18900101

FDIC Insurance Date 19890809

Domestic Offices 2

Total Branches 2

Regulator FDIC

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

4.56%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.7792%

Return on Equity (ROE) 5.4200%

Non-Performing Loans (NPL) 0.66%

Total Assets $267,339,000

Total Deposits $228,144,000

Equity Capital $38,544,000

Net Income $1,038,000

Headquarters Wilmington

Total Branches and Offices 2

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

The Wilmington Savings Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your 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 The Wilmington Savings Bank

How many branches does The Wilmington Savings Bank operate?

The Wilmington Savings Bank 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, The Wilmington Savings Bank 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, The Wilmington Savings Bank provides members with tools to manage their accounts and build a solid financial history.

Does The Wilmington Savings Bank offer online and mobile banking?

Most modern institutions like The Wilmington Savings Bank 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.wilmingtonsavings.com.