What are the current interest rates at Washington Savings Bank Effingham, IL?

Current rates for Washington Savings Bank Effingham, IL include: 12-Month CD: 3.60%, 18-Month CD: 3.03%, 24-Month CD: 3.70%, 36-Month CD: 3.70%, 48-Month CD: 3.75%, 60-Month CD: 3.75%, Savings: 0.40%

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Washington Savings Bank Effingham, IL

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Washington Savings Bank Effingham, IL Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Washington Savings Bank Effingham, IL 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 11, 2026

Washington Savings Bank Effingham, IL's top rates as of October 11, 2026 are 3.75% APY on its 48-Month Certificate, 0.40% APY on savings, and 2.50% APY on checking, according to rates verified by MonitorBankRates. Other Washington Savings Bank Effingham, IL CD rates include 60-Month Certificate at 3.75%, 60-Month IRA at 3.75%, and 24-Month Certificate at 3.70%. MonitorBankRates evaluates the financial stability of Washington Savings Bank Effingham, IL with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.65%. Rates last updated and verified on 10/11/2026.

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

Verified Healthy Q2 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

1.65%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Washington Savings Bank

200 S Banker St
Effingham, IL 62401

https://www.washingtonsavings.net

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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 Savings Bank Effingham, IL CD Rates

Product	Rate	APY	Term
48 Month Certificate	3.70%	3.75%	48 Month
Min Deposit $1,000 Last Updated 10/11/2026 Rate History 1 change since Sep 24, 2026 · 3.24% → 3.75% ▲ 0.51 pts · high 3.75% / low 3.24% Oct 3, 20263.75%▲ from 3.24% Sep 24, 20263.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
60 Month Certificate	3.70%	3.75%	60 Month
Min Deposit $1,000 Last Updated 10/11/2026 Rate History 1 change since Sep 14, 2026 · 3.29% → 3.75% ▲ 0.46 pts · high 3.75% / low 3.29% Oct 3, 20263.75%▲ from 3.29% Sep 14, 20263.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
60 Month IRA	3.70%	3.75%	60 Month
Min Deposit $1,000 Last Updated 10/11/2026 Rate History 1 change since Sep 24, 2026 · 3.29% → 3.75% ▲ 0.46 pts · high 3.75% / low 3.29% Oct 3, 20263.75%▲ from 3.29% Sep 24, 20263.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
24 Month Certificate	3.65%	3.70%	24 Month
Min Deposit $1,000 Last Updated 10/11/2026 Rate History 1 change since Sep 14, 2026 · 3.24% → 3.70% ▲ 0.46 pts · high 3.70% / low 3.24% Oct 3, 20263.70%▲ from 3.24% Sep 14, 20263.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
24 Month IRA	3.65%	3.70%	24 Month
Min Deposit $1,000 Last Updated 10/11/2026 Rate History 1 change since Sep 24, 2026 · 3.24% → 3.70% ▲ 0.46 pts · high 3.70% / low 3.24% Oct 3, 20263.70%▲ from 3.24% Sep 24, 20263.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
24 Month Roth IRA	3.65%	3.70%	24 Month
Min Deposit $1,000 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
36 Month Bump	3.65%	3.70%	36 Month
Min Deposit $2,500 Last Updated 10/11/2026 Rate History 1 change since Sep 14, 2026 · 3.19% → 3.70% ▲ 0.51 pts · high 3.70% / low 3.19% Oct 7, 20263.70%▲ from 3.19% Sep 14, 20263.19%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
18 Month Certificate	3.60%	3.65%	18 Month
Min Deposit $1,000 Last Updated 10/11/2026 Rate History 1 change since Sep 14, 2026 · 3.22% → 3.65% ▲ 0.43 pts · high 3.65% / low 3.22% Oct 3, 20263.65%▲ from 3.22% Sep 14, 20263.22%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
18 Month IRA	3.60%	3.65%	18 Month
Min Deposit $1,000 Last Updated 10/11/2026 Rate History 1 change since Sep 24, 2026 · 3.22% → 3.65% ▲ 0.43 pts · high 3.65% / low 3.22% Oct 3, 20263.65%▲ from 3.22% Sep 24, 20263.22%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
12 Month Certificate	3.55%	3.60%	12 Month
Min Deposit $1,000 Last Updated 10/11/2026 Rate History 1 change since Sep 14, 2026 · 3.44% → 3.60% ▲ 0.16 pts · high 3.60% / low 3.44% Oct 3, 20263.60%▲ from 3.44% Sep 14, 20263.44%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
12 Month IRA	3.55%	3.60%	12 Month
Min Deposit $1,000 Last Updated 10/11/2026 Rate History 1 change since Sep 24, 2026 · 3.44% → 3.60% ▲ 0.16 pts · high 3.60% / low 3.44% Oct 3, 20263.60%▲ from 3.44% Sep 24, 20263.44%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
12 Month Roth IRA	3.55%	3.60%	12 Month
Min Deposit $1,000 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.60% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
182 Day Certificate	3.50%	3.55%	182 Day
Min Deposit $2,500 Last Updated 10/11/2026 Rate History 1 change since Sep 24, 2026 · 3.60% → 3.55% ▼ 0.05 pts · high 3.60% / low 3.55% Oct 3, 20263.55%▼ from 3.60% Sep 24, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
91 Day Certificate	3.45%	3.50%	91 Day
Min Deposit $2,500 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
18 Month Variable IRA	3.00%	3.03%	18 Month
Min Deposit $100 Last Updated 10/11/2026 Rate History No change since Sep 24, 2026 · 3.03% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
18 Month Variable Roth IRA	3.00%	3.03%	18 Month
Min Deposit $100 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 3.03% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
10 Month Certificate	0.25%	0.25%	10 Month
Min Deposit $2,500 Last Updated 10/11/2026 Rate History 1 change since Sep 24, 2026 · 0.50% → 0.25% ▼ 0.25 pts · high 0.50% / low 0.25% Oct 3, 20260.25%▼ from 0.50% Sep 24, 20260.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
15 Month Certificate	0.25%	0.25%	15 Month
Min Deposit $2,500 Last Updated 10/11/2026 Rate History 1 change since Sep 14, 2026 · 0.50% → 0.25% ▼ 0.25 pts · high 0.50% / low 0.25% Oct 3, 20260.25%▼ from 0.50% Sep 14, 20260.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
15 Month IRA	0.25%	0.25%	15 Month
Min Deposit $2,500 Last Updated 10/11/2026 Rate History 1 change since Sep 24, 2026 · 0.50% → 0.25% ▼ 0.25 pts · high 0.50% / low 0.25% Oct 3, 20260.25%▼ from 0.50% Sep 24, 20260.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
15 Month Roth IRA	0.25%	0.25%	15 Month
Min Deposit $2,500 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
20 Month Certificate	0.25%	0.25%	20 Month
Min Deposit $2,500 Last Updated 10/11/2026 Rate History 1 change since Sep 24, 2026 · 0.50% → 0.25% ▼ 0.25 pts · high 0.50% / low 0.25% Oct 3, 20260.25%▼ from 0.50% Sep 24, 20260.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
30 Month Certificate	0.25%	0.25%	30 Month
Min Deposit $1,000 Last Updated 10/11/2026 Rate History 1 change since Sep 14, 2026 · 0.50% → 0.25% ▼ 0.25 pts · high 0.50% / low 0.25% Oct 3, 20260.25%▼ from 0.50% Sep 14, 20260.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
30 Month IRA	0.25%	0.25%	30 Month
Min Deposit $1,000 Last Updated 10/11/2026 Rate History 1 change since Sep 24, 2026 · 0.50% → 0.25% ▼ 0.25 pts · high 0.50% / low 0.25% Oct 3, 20260.25%▼ from 0.50% Sep 24, 20260.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%

Washington Savings Bank Effingham, IL Savings Rates

Product	Rate	APY
Elite Saver Account	0.50%	0.50%
Min Balance $0 Details Balance: $.01-$10,000.00 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
Elite Saver Account	0.25%	0.25%
Min Balance $10,000 Details Published APY range: 0.25%-0.50%. Balance: $10,000.01 or more Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
Health Savings Accounts (HSA)	0.25%	0.25%
Min Balance $10,000 Details Balance: over $10,000.00 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
Tiered Statement Savings	0.25%	0.25%
Min Balance $50,000 Details Balance: $50,000.01 - $100,000.00 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
Tiered Statement Savings	0.25%	0.25%
Min Balance $100,000 Details Balance: $100,000.01 or more Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
Health Savings Accounts (HSA)	0.20%	0.20%
Min Balance $5,000 Details Balance: $5,000.01 - $10,000.00 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
Tiered Statement Savings	0.20%	0.20%
Min Balance $25,000 Details Balance: $25,000.01 - $50,000.00 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
Health Savings Accounts (HSA)	0.15%	0.15%
Min Balance $0 Details Balance: .01 - $5,000.00 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
Tiered Statement Savings	0.10%	0.10%
Min Balance $100 Details Balance: $100.00 - $10,000.00 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
Tiered Statement Savings	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000.01 - $25,000.00 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%

Washington Savings Bank Effingham, IL Business Savings Rates

Product	Rate	APY
Commercial Statement Savings	0.40%	0.40%
Min Balance $250,000 Details Balance: $250,000.01 or more Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
Commercial Statement Savings	0.35%	0.35%
Min Balance $100,000 Details Balance: $100,000.01 - $250,000.00 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
Commercial Statement Savings	0.30%	0.30%
Min Balance $50,000 Details Balance: $50,000.01 - $100,000.00 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
Commercial Statement Savings	0.20%	0.20%
Min Balance $10,000 Details Balance: $10,000.01 - $50,000.00 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
Commercial Statement Savings	0.15%	0.15%
Min Balance $5,000 Details Balance: $5,000.00 - $10,000.00 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%

Washington Savings Bank Effingham, IL Checking Rates

Product	Rate	APY
Elite Plus Checking	2.47%	2.50%
No additional details. Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
Elite Plus Checking Account	1.73%	1.75%
Min Balance $0 Details Balance: $.01-$10,000.00 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 1.75% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
Elite Plus/Saver Checking	1.00%	1.00%
Min Balance $0 Details Balance: $.01-$15,000.00 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
Elite Plus/Saver Checking	0.50%	0.50%
Min Balance $0 Details Balance: $.01-$10,000.00 Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
Tiered Interest Checking	0.40%	0.40%
Min Balance $250,000 Details Balance: $250,000.01 or more Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
Tiered Interest Checking	0.30%	0.30%
Min Balance $100,000 Details Balance: $100,000.01 - $250,000.00 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
Elite Plus Checking Account	0.25%	0.25%
Min Balance $10,000 Details Published APY range: 0.25%-1.75%. Balance: $10,000.01 or more Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
Elite Plus/Saver Checking	0.25%	0.25%
Min Balance $10,000 Details Published APY range: 0.25%-0.50%. Balance: $10,000.01 or more Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
Elite Plus/Saver Checking	0.25%	0.25%
Min Balance $15,000 Details Published APY range: 0.25%-1.00%. Balance: $15,000.01 or more Last Updated 10/11/2026 Rate History No change since Oct 7, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
Tiered Interest Checking	0.25%	0.25%
Min Balance $50,000 Details Balance: $50,000.01 - $100,000.00 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
Elite Plus Checking	0.20%	0.20%
No additional details. Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
Tiered Interest Checking	0.20%	0.20%
Min Balance $10,000 Details Balance: $10,000.01 - $50,000.00 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%
Tiered Interest Checking	0.10%	0.10%
Min Balance $2,500 Details Balance: $2,500.00 - $10,000.00 Last Updated 10/11/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.65%

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 Savings Bank Effingham, IL’s Texas Ratio fell from 2.45% in Q3 2023 to 1.65% 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	$585M	1.65%	5.0	A+
March 31, 2026	$605M	2.01%	5.0	A+
December 31, 2025	$586M	2.55%	5.0	A+
September 30, 2025	$578M	2.98%	5.0	A+
June 30, 2025	$585M	2.63%	5.0	A+
March 31, 2025	$581M	2.61%	5.0	A+
December 31, 2024	$567M	4.34%	5.0	A+
September 30, 2024	$596M	2.42%	5.0	A+
June 30, 2024	$579M	2.23%	5.0	A+
March 31, 2024	$598M	2.99%	5.0	A+
December 31, 2023	$587M	4.92%	5.0	A+
September 30, 2023	$594M	2.45%	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 Savings Bank Effingham, IL 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 Savings Bank Effingham, IL 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 Savings Bank Effingham, IL's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Washington Savings Bank Effingham, IL

Bank Holding Company WASHINGTON SAVINGS MHC

Address 200 S Banker St, Effingham, IL 62401 · Effingham

Website https://www.washingtonsavings.net

FDIC Certificate # 29227

Established 18830101

FDIC Insurance Date 19890809

Domestic Offices 4

Total Branches 4

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

1.65%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.7673%

Return on Equity (ROE) 6.8000%

Non-Performing Loans (NPL) 0.18%

Total Assets $585,335,000

Total Deposits $504,352,000

Equity Capital $67,393,000

Net Income $2,272,000

Headquarters Effingham

Total Branches and Offices 4

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Washington Savings Bank Effingham, IL earned the Verified Healthy badge

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Frequently Asked Questions About Washington Savings Bank Effingham, IL

How many branches does Washington Savings Bank Effingham, IL operate?

Washington Savings Bank Effingham, IL currently maintains approximately 4 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 Savings Bank Effingham, IL 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 Savings Bank Effingham, IL provides members with tools to manage their accounts and build a solid financial history.

Does Washington Savings Bank Effingham, IL offer online and mobile banking?

Most modern institutions like Washington Savings Bank Effingham, IL 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.washingtonsavings.net.