What are the current interest rates at Washington Financial Bank?

Current rates for Washington Financial Bank include: 12-Month CD: 0.20%, 24-Month CD: 0.25%, 36-Month CD: 0.40%, 48-Month CD: 0.45%, 60-Month CD: 0.50%, Savings: 0.05%

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Washington Financial Bank Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Washington Financial 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 19, 2026

Washington Financial Bank's 20-Months CD Special: 20-Month rates are at 3.00%, 60-Months 60-Month Certificate rates are at 0.50%, 60-Months 60-Month Customer Choice CD rates are at 0.50%, 48-Months 48-Month Certificate rates are at 0.45%, 48-Months 48-Month Customer Choice CD rates are at 0.45%. Washington Financial Bank's savings rates are at 0.05%. MonitorBankRates evaluates the financial stability of Washington Financial Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.41%. Rates last updated and verified on 09/19/2026.

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

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.41%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Washington Financial Bank

77 S Main St
Washington, PA 15301

https://www.washfin.bank

Washington Financial Bank CD Rates

Product	Rate	APY	Term
CD Special: 20 month	2.97%	3.00%	20 Months
Min Balance $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
60 Month Certificate	0.50%	0.50%	60 Months
Min Balance $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
60 Month Customer Choice CD	0.50%	0.50%	60 Months
Min Balance $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
48 Month Certificate	0.45%	0.45%	48 Months
Min Balance $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
48 Month Customer Choice CD	0.45%	0.45%	48 Months
Min Balance $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
36 Month Certificate	0.40%	0.40%	36 Months
Min Balance $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
36 Month Customer Choice CD	0.40%	0.40%	36 Months
Min Balance $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
24 Month Customer Choice IRA CD	0.30%	0.30%	24 Months
Min Balance $2,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
Customer Choice CD: 24 month	0.30%	0.30%	24 Months
Min Balance $2,500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
24 Month Certificate	0.25%	0.25%	24 Months
Min Balance $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
24 Month Customer Choice CD	0.25%	0.25%	24 Months
Min Balance $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
12 Month Certificate	0.20%	0.20%	12 Months
Min Balance $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
12 Month Customer Choice CD	0.20%	0.20%	12 Months
Min Balance $500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
182 Day Certificate	0.15%	0.15%	182 Days
Min Balance $2,500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
91 Day Certificate	0.10%	0.10%	91 Days
Min Balance $2,500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%

Washington Financial Bank Savings Rates

Product	Rate	APY
Statement Savings	0.49%	0.50%
Min Deposit $0 Min Balance $0 Details Balance: $0 - $10,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
Statement Savings	0.15%	0.18%
Min Deposit $0 Min Balance $10,000 Details Published APY range: 0.18 to 0.50%. Balance: Balances over $10,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
IRA Savings	0.05%	0.05%
Min Deposit $250 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
Statement Savings	0.05%	0.05%
Min Deposit $100 Min Balance $0 Details Balance: $0 - $2,500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
Statement Savings	0.05%	0.05%
Min Deposit $100 Min Balance $2,500 Details Balance: $2,500 - $4,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
Statement Savings	0.05%	0.05%
Min Deposit $100 Min Balance $5,000 Details Balance: $5,000 - $9,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
Statement Savings	0.05%	0.05%
Min Deposit $100 Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
Statement Savings	0.05%	0.05%
Min Deposit $100 Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
Statement Savings	0.05%	0.05%
Min Deposit $100 Min Balance $50,000 Details Balance: Balances over $50,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
Youth Savings	0.05%	0.05%
Min Deposit $25 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%

Washington Financial Bank Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan	-	-	5.91%	60 Months
Details Minimum Loan Amount: $250,000.001; Maximum Loan Amount: And Above Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
Home Equity Loan	-	-	6.09%	60 Months
Details Minimum Loan Amount: $100,000.00; Maximum Loan Amount: $250,000.00 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
Home Equity Loan	-	-	7.17%	60 Months
Details Minimum Loan Amount: $10,000.00; Maximum Loan Amount: $99,999.99 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%

Washington Financial Bank Other Rates

Product	Rate	Points	APY/APR
Customer Choice IRA CDs	0.05%	-	0.05%
Min Deposit $1,000 Min Balance $0 Details Balance: $0 - $2,500 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
Customer Choice IRA CDs	0.05%	-	0.05%
Min Deposit $1,000 Min Balance $2,500 Details Balance: $2,500 - $4,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
Customer Choice IRA CDs	0.05%	-	0.05%
Min Deposit $1,000 Min Balance $5,000 Details Balance: $5,000 - $9,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
Customer Choice IRA CDs	0.05%	-	0.05%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
Customer Choice IRA CDs	0.10%	-	0.10%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
Customer Choice IRA CDs	0.10%	-	0.10%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000 - $249,999 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%
Customer Choice IRA CDs	0.15%	-	0.15%
Min Deposit $1,000 Min Balance $250,000 Details Balance: Balances over $250,000 Last Updated 09/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.41%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Washington Financial Bank’s Texas Ratio stayed near 2.80% in Q3 2023 to 2.41% in Q2 2026, so its financial health has stayed 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	$1.4B	2.41%	5.0	A+
March 31, 2026	$1.5B	4.13%	5.0	A+
December 31, 2025	$1.5B	3.38%	5.0	A+
September 30, 2025	$1.5B	4.03%	5.0	A+
June 30, 2025	$1.5B	4.11%	5.0	A+
March 31, 2025	$1.5B	4.58%	5.0	A+
December 31, 2024	$1.5B	3.54%	5.0	A+
September 30, 2024	$1.6B	0.33%	5.0	A+
June 30, 2024	$1.6B	0.30%	5.0	A+
March 31, 2024	$1.6B	0.58%	5.0	A+
December 31, 2023	$1.6B	2.92%	5.0	A+
September 30, 2023	$1.6B	2.80%	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 Washington Financial 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 Washington Financial 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 Washington Financial Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Washington Financial Bank

Bank Holding Company WFSB MUTUAL HOLDING CO

Address 77 S Main St, Washington, PA 15301 · Washington

Website https://www.washfin.bank

FDIC Certificate # 29520

Established 18990101

FDIC Insurance Date 19890809

Domestic Offices 10

Total Branches 10

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

2.41%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.1523%

Return on Equity (ROE) 8.2300%

Non-Performing Loans (NPL) 0.34%

Total Assets $1,435,217,000

Total Deposits $1,210,896,000

Equity Capital $208,501,000

Net Income $8,384,000

Headquarters Washington

Total Branches and Offices 10

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Washington Financial Bank earned the Verified Healthy badge

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Frequently Asked Questions About Washington Financial Bank

How many branches does Washington Financial Bank operate?

Washington Financial Bank currently maintains approximately 10 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 Financial 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, Washington Financial Bank provides members with tools to manage their accounts and build a solid financial history.

Does Washington Financial Bank offer online and mobile banking?

Most modern institutions like Washington Financial 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.washfin.bank.