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Washington Savings Bank Lowell, MA Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
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Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: November 7, 2026
Washington Savings Bank Lowell, MA's 13-Month CD rates are at 4.13%, 18-Month CD rates are at 4.00%, 6-Month CD rates are at 3.50%, 7-Month CD rates are at 3.44%, 12-Month CD rates are at 2.88%. Washington Savings Bank Lowell, MA's savings rates are at 0.10%. Washington Savings Bank Lowell, MA's money market rates are at 3.08%. Washington Savings Bank Lowell, MA's checking rates are as high as 5.00%. Washington Savings Bank Lowell, MA's Welcome Home - 15-Year Fixed Rate rates are at 6.621%, Fall Into a Better Mortgage - 5/5 ARM rates are at 6.25%, Welcome Home - 20-Year Fixed Rate rates are at 6.73%, Welcome Home - 30-Year Fixed Rate rates are at 7.076%. Washington Savings Bank Lowell, MA's Auto Loan Rates are as low as 15.25%. Washington Savings Bank Lowell, MA's top CD rate of 4.13% APY on a 13 month CD is 37% higher than the MonitorBankRates national average of 3.02% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Washington Savings Bank Lowell, MA with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.37%. Rates last updated and verified on 11/07/2026.
Washington Savings Bank Lowell, MA 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 Lowell, MA? Share your experience about Washington Savings Bank Lowell, MA by leaving a review below, or read customer reviews before you decide to use Washington Savings Bank Lowell, MA.
Washington Savings Bank Lowell, MA has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective FDIC regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Washington Savings Bank Lowell, MA has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
2.37%
ExcellentLower than avg
Washington Savings Bank Lowell, MA Texas Ratio
Washington Savings Bank Lowell, MA's Texas Ratio is 2.37%, which is considered excellent and is lower than the national average of 5.85%.
Washington Savings Bank Lowell, MA has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
4.14% to 2.37% over 12 quarters, improvingFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this bank has improved and is now very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
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 Lowell, MA CD Rates
Product
Rate
APY
Term
Min. Deposit
View More
13-Month CD
-
4.13%
13 months
$500
Min Deposit$500
Last Updated11/07/2026
Rate History
1 change since Sep 20, 2026 · 3.90% → 4.13% ▲ 0.23 pts · high 4.13% / low 3.90%
Oct 3, 20264.13%▲ from 3.90%
Sep 20, 20263.90%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.37%
18-Month CD
-
4.00%
18 months
$500
Min Deposit$500
Last Updated11/07/2026
Rate History
1 change since Sep 20, 2026 · 3.90% → 4.00% ▲ 0.10 pts · high 4.00% / low 3.90%
Oct 3, 20264.00%▲ from 3.90%
Sep 20, 20263.90%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.37%
91 Day CD
3.55%
3.60%
91 days
$500
Min Deposit$500
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 3.60% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.37%
6-Month CD
3.47%
3.50%
6 months
$500
Min Deposit$500
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 3.50% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.37%
7-Month CD
3.34%
3.44%
7 months
$500
Min Deposit$500
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 3.44% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.37%
12-Month CD
2.80%
2.88%
12 months
$500
Min Deposit$500
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 2.88% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.37%
15-Month CD
1.95%
2.00%
15 months
$500
Min Deposit$500
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 2.00% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.37%
60-Month CD
0.74%
0.75%
60 months
$500
Min Deposit$500
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 0.75% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.37%
48-Month CD IRA
0.64%
0.65%
48 months
$500
Min Deposit$500
DetailsIRA CDs; early withdrawal penalty may apply; opening rate kept for the full term
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 0.65% APY · checked 13 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.37%
49-Month CD
0.64%
0.65%
49 months
$500
Min Deposit$500
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 0.65% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.37%
36-Month CD
0.54%
0.55%
36 months
$500
Min Deposit$500
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 0.55% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.37%
30-Month CD
0.49%
0.50%
30 months
$500
Min Deposit$500
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 0.50% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.37%
24-Month CD
0.39%
0.40%
24 months
$500
Min Deposit$500
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 0.40% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.37%
10-Month CD
0.30%
0.30%
10 months
$500
Min Deposit$500
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 0.30% APY · checked 12 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.37%
Washington Savings Bank Lowell, MA Savings Rates
Product
Rate
APY
View More
Christmas Club
0.10%
0.10%
Min Deposit$10
Min Balance$10
DetailsMinimum balance to avoid service charge: $0
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 13 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.37%
Rewards Savings
0.10%
0.10%
Min Deposit$10
Min Balance$0
DetailsMinimum balance to avoid service charge: $0
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 13 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.37%
Passbook Savings
0.05%
0.05%
Min Deposit$50
Min Balance$10
DetailsMinimum balance to avoid service charge: $50; Each month a $3.00 service charge applies unless the minimum is maintained
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 0.05% APY · checked 13 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.37%
Prize Savings
0.05%
0.05%
Min Deposit$1
Min Balance$0
DetailsMinimum balance to avoid service charge: $0; eStatement account
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 0.05% APY · checked 13 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.37%
Statement Savings
0.05%
0.05%
Min Deposit$50
Min Balance$10
DetailsMinimum balance to avoid service charge: $50; Each month a $3.00 service charge applies unless the minimum is maintained
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 0.05% APY · checked 13 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.37%
Vacation Club
0.05%
0.05%
Min Deposit$10
Min Balance$10
DetailsMinimum balance to avoid service charge: $0
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 0.05% APY · checked 13 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.37%
Washington Savings Bank Lowell, MA Money Market Rates
Product
Rate
APY
View More
Non-Profit Money Market
3.00%
3.08%
Min Deposit$10
Min Balance$10
DetailsBalance: $10 and over; $10 minimum deposit to open, $500,000 max balance, no check writing ability
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 3.08% APY · checked 13 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.37%
IRA Money Market
3.00%
3.04%
Min Deposit$10
Min Balance$100,000
DetailsBalance: $100,000 or more
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 3.04% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.37%
IRA Money Market
2.75%
2.78%
Min Deposit$10
Min Balance$50,000
DetailsBalance: $50,000 - $99,999.99
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 2.78% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.37%
IRA Money Market
2.50%
2.53%
Min Deposit$10
Min Balance$25,000
DetailsBalance: $25,000 - $49,999.99
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 2.53% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.37%
IRA Money Market
2.25%
2.27%
Min Deposit$10
Min Balance$10
DetailsBalance: $10 - $24,999.99
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 2.27% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.37%
Money Market
0.15%
0.15%
Min Deposit$2,500
Min Balance$100,000
DetailsBalance: $100,000 or more
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 0.15% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.37%
Money Market
0.10%
0.10%
Min Deposit$2,500
Min Balance$25,000
DetailsBalance: $25,000 - $49,999.99
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.37%
Money Market
0.05%
0.05%
Min Deposit$2,500
Min Balance$10
DetailsBalance: $10 - $24,999.99
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 0.05% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.37%
Washington Savings Bank Lowell, MA Business Money Market Rates
Product
Rate
APY
View More
Business Money Market Account
2.75%
2.83%
Min Deposit$10
Min Balance$10
DetailsBalance: $10 or more
Last Updated11/07/2026
Rate History
No change since Oct 8, 2026 · 2.83% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.37%
Washington Savings Bank Lowell, MA Checking Rates
Product
Rate
APY
View More
Interest Rewards Checking
-
5.00%
Min Deposit$10
Min Balance$0
DetailsQualifications Required; Balance: $0 - $10,000.00; Qualifying balance up to $10,000.00
Last Updated11/07/2026
Rate History
1 change since Sep 20, 2026 · 0.20% → 5.00% ▲ 4.80 pts · high 5.00% / low 0.20%
Sep 24, 20265.00%▲ from 0.20%
Sep 20, 20260.20%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.37%
Elite Checking
1.96%
2.00%
Min Deposit$10
Min Balance$0
DetailsBalance: $0+; Our best account designed for customers with combined loan and deposit balances of at least $100,000 or a $25 monthly service charge applies
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 2.00% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.37%
Washington Savings Bank Lowell, MA Business Checking Rates
Product
Rate
APY
View More
Business Rewards Checking
0.20%
0.20%
Min Deposit$10
Min Balance$0
DetailsQualifications Required; Balance: $0 - $10,000; Qualifying balance up to $10,000.00
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 0.20% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.37%
Interest Business Checking
0.15%
0.15%
Min Deposit$10
Min Balance$50,000
DetailsBalance: $50,000 - $99,999.99
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 0.15% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.37%
Interest Business Checking
0.15%
0.15%
Min Deposit$10
Min Balance$100,000
DetailsBalance: $100,000 or more
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 0.15% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.37%
Interest Business Checking
0.10%
0.10%
Min Deposit$10
Min Balance$10
DetailsBalance: $10 - $24,999.99
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.37%
Interest Business Checking
0.10%
0.10%
Min Deposit$10
Min Balance$25,000
DetailsBalance: $25,000 - $49,999.99
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.37%
Washington Savings Bank Lowell, MA Mortgage Rates
Product
Rate
Points
APR
Term
View More
Welcome Home - 15-Year Fixed Rate
-
-
6.621%
15 years
DetailsAs Low As; Fixed rate mortgage; New England mortgage; APR shown only
Last Updated11/07/2026
Rate History
No change since Nov 7, 2026 · 6.62% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.37%
Fall Into a Better Mortgage - 5/5 ARM
6.25%
-
6.723%
DetailsFirst time home buyer product; 5/5 ARM with a 40 year amortization term; credit approval required
Last Updated11/07/2026
Rate History
No change since Nov 7, 2026 · 6.72% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.37%
Welcome Home - 20-Year Fixed Rate
-
-
6.73%
20 years
DetailsAs Low As; Fixed rate mortgage; New England mortgage; APR shown only
Last Updated11/07/2026
Rate History
No change since Nov 7, 2026 · 6.73% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.37%
Welcome Home - 30-Year Fixed Rate
-
-
7.076%
30 years
DetailsAs Low As; Fixed rate mortgage; New England mortgage; APR shown only
Last Updated11/07/2026
Rate History
No change since Nov 7, 2026 · 7.08% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.37%
Washington Savings Bank Lowell, MA Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity Loan - 5 Years with Pay
5.99%
-
5.99%
5 Years
DetailsAuto pay discount: payments automatically withdrawn from Washington Savings Bank checking or savings account; Minimum Loan: $10,000; Maximum Loan: $250,000; Maximum LTV 80%; 2nd position liens only
Last Updated11/07/2026
Rate History
No change since Oct 23, 2026 · 5.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.37%
Home Equity Loan - 5 Years
6.125%
-
6.125%
5 Years
DetailsMinimum Loan: $10,000; Maximum Loan: $250,000; Maximum LTV 80%; 2nd position liens only
Last Updated11/07/2026
Rate History
No change since Oct 23, 2026 · 6.13% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.37%
Home Equity Loan - 10 Years with Pay
6.375%
-
6.375%
10 Years
DetailsAuto pay discount: payments automatically withdrawn from Washington Savings Bank checking or savings account; Minimum Loan: $10,000; Maximum Loan: $250,000; Maximum LTV 80%; 2nd position liens only
Last Updated11/07/2026
Rate History
No change since Oct 23, 2026 · 6.38% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.37%
Home Equity Loan - 10 Years
6.50%
-
6.50%
10 Years
DetailsMinimum Loan: $10,000; Maximum Loan: $250,000; Maximum LTV 80%; 2nd position liens only
Last Updated11/07/2026
Rate History
No change since Oct 23, 2026 · 6.50% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.37%
Home Equity Line of Credit (HELOC)
6.74%
-
6.74%
10 year
DetailsTerm: 10 year draw/10 year repayment; Initial rate for the first 12 months 6.99%, adjustable to prime thereafter; maximum adjustment over the life of the loan 9.99% with a floor rate of 4.50%; Maximum LTV 80%; Minimum Line $10,000; Maximum Line $250,000; Maximum APR 9.99%; Floor Rate of 4.50%; Closing costs paid by Bank; Rate may change after consummation
Last Updated11/07/2026
Rate History
No change since Sep 16, 2026 · 6.74% APR · checked 13 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.37%
Home Equity Loan - 15 Years with Pay
6.99%
-
6.99%
15 Years
DetailsAuto pay discount: payments automatically withdrawn from Washington Savings Bank checking or savings account; Minimum Loan: $10,000; Maximum Loan: $250,000; Maximum LTV 80%; 2nd position liens only
Last Updated11/07/2026
Rate History
No change since Oct 23, 2026 · 6.99% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.37%
Home Equity Loan - 15 Years
7.125%
-
7.125%
15 Years
DetailsMinimum Loan: $10,000; Maximum Loan: $250,000; Maximum LTV 80%; 2nd position liens only
Last Updated11/07/2026
Rate History
No change since Oct 23, 2026 · 7.13% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.37%
Home Equity Loan - 20 Years with Pay
7.50%
-
7.50%
20 Years
DetailsAuto pay discount: payments automatically withdrawn from Washington Savings Bank checking or savings account; Minimum Loan: $10,000; Maximum Loan: $250,000; Maximum LTV 80%; 2nd position liens only
Last Updated11/07/2026
Rate History
No change since Oct 23, 2026 · 7.50% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.37%
Home Equity Loan - 20 Years
7.625%
-
7.625%
20 Years
DetailsMinimum Loan: $10,000; Maximum Loan: $250,000; Maximum LTV 80%; 2nd position liens only
Last Updated11/07/2026
Rate History
No change since Oct 23, 2026 · 7.63% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.37%
Washington Savings Bank Lowell, MA Auto Loan Rates
Product
Rate
Points
APR
Term
View More
New Auto Loans
-
-
7.25%
5 Years
DetailsWith auto pay; Borrowing limits between $1,000 and $50,000; Borrowing term limits between 1 and 5 years; Maximum Loan 95% of NADA/Kelly blue book retail value; A new automobile is defined as a Model Year 2025 or 2026 vehicle with less than 15,000 miles
Last Updated11/07/2026
Rate History
No change since Oct 8, 2026 · 7.25% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.37%
New Auto Loans
-
-
7.50%
5 Years
DetailsBorrowing limits between $1,000 and $50,000; Borrowing term limits between 1 and 5 years; Maximum Loan 95% of NADA/Kelly blue book retail value; A new automobile is defined as a Model Year 2025 or 2026 vehicle with less than 15,000 miles
Last Updated11/07/2026
Rate History
1 change since Oct 8, 2026 · 7.25% → 7.50% ▲ 0.25 pts · high 7.50% / low 7.25%
Oct 14, 20267.50%▲ from 7.25%
Oct 8, 20267.25%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.37%
Used Auto Loan - With Auto Pay
-
-
8.25%
4 Years
DetailsWith auto pay; Payment per $1,000: $24.53; Borrowing limits between $1,000 and $30,000; Borrowing term limits between 1 and 4 years; Maximum Loan 90% of NADA/Kelly blue book retail value; A used automobile is defined as a Model Year 2021 or newer vehicle with less than 100,000 miles
Last Updated11/07/2026
Rate History
No change since Oct 23, 2026 · 8.25% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.37%
Used Auto Loan
-
-
8.50%
4 Years
DetailsPayment per $1,000: $24.65; Borrowing limits between $1,000 and $30,000; Borrowing term limits between 1 and 4 years; Maximum Loan 90% of NADA/Kelly blue book retail value; A used automobile is defined as a Model Year 2021 or newer vehicle with less than 100,000 miles
Last Updated11/07/2026
Rate History
No change since Oct 14, 2026 · 8.50% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.37%
Personal Loan - 3 Year with Auto Pay
15.25%
-
15.25%
3 year
DetailsPayment per $1,000: 34.79; Available to existing or new customers; Minimum Loan: $1,000; Maximum Loan: $5,000 for existing customers, $3,000 for new customers
Last Updated11/07/2026
Rate History
No change since Oct 23, 2026 · 15.25% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.37%
Personal Loan - 5 Year with Auto Pay
15.25%
-
15.25%
5 Year
DetailsPayment per $1,000: 23.92; Available only to existing customers with an account relationship of one year or more; Minimum Loan: $1,000; Maximum Loan: $5,000 for existing customers, $3,000 for new customers
Last Updated11/07/2026
Rate History
No change since Oct 23, 2026 · 15.25% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.37%
Washington Savings Bank Lowell, MA Personal Loan Rates
Product
APR
Term
View More
Personal Loan - 3 Year with Auto Pay
15.25%
3 year
DetailsPayment per $1,000: 34.79; Available to existing or new customers; Minimum Loan: $1,000; Maximum Loan: $5,000 for existing customers, $3,000 for new customers
Last Updated11/07/2026
Rate History
No change since Oct 23, 2026 · 15.25% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.37%
Personal Loan - 5 Year with Auto Pay
15.25%
5 Year
DetailsPayment per $1,000: 23.92; Available only to existing customers with an account relationship of one year or more; Minimum Loan: $1,000; Maximum Loan: $5,000 for existing customers, $3,000 for new customers
Last Updated11/07/2026
Rate History
No change since Oct 23, 2026 · 15.25% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.37%
Personal Loan - 3 Year
15.50%
3 Year
DetailsPayment per $1,000: 34.91; Available to existing or new customers; Minimum Loan: $1,000; Maximum Loan: $5,000 for existing customers, $3,000 for new customers
Last Updated11/07/2026
Rate History
No change since Oct 23, 2026 · 15.50% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.37%
Personal Loan - 5 Year
15.50%
5 Year
DetailsPayment per $1,000: 24.05; Available only to existing customers with an account relationship of one year or more; Minimum Loan: $1,000; Maximum Loan: $5,000 for existing customers, $3,000 for new customers
Last Updated11/07/2026
Rate History
No change since Oct 23, 2026 · 15.50% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.37%
Washington Savings Bank Lowell, MA Other Rates
Product
Rate
Points
APY/APR
Term
View More
Special HELOAN with existing WSB 1st Mortage
6.125%
-
6.125%
5 Year
DetailsFor existing Washington Savings Bank Mortgage holders; Minimum Loan: $10,000; Maximum Loan: $250,000; Maximum LTV 80%; Closing costs paid by Bank; Interest rate discounted with payments automatically withdrawn from Washington Savings Bank checking or savings account; 2nd position liens only
Last Updated11/07/2026
Rate History
No change since Oct 14, 2026 · 6.13% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.37%
Special HELOAN with existing WSB 1st Mortage
5.875%
-
5.875%
5 Years
DetailsTerm: 5 Years with Auto Pay; For existing Washington Savings Bank Mortgage holders; Minimum Loan: $10,000; Maximum Loan: $250,000; Maximum LTV 80%; Closing costs paid by Bank; Interest rate discounted with payments automatically withdrawn from Washington Savings Bank checking or savings account; 2nd position liens only
Last Updated11/07/2026
Rate History
No change since Oct 14, 2026 · 5.88% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.37%
Special HELOAN with existing WSB 1st Mortage
6.50%
-
6.50%
10 Years
DetailsFor existing Washington Savings Bank Mortgage holders; Minimum Loan: $10,000; Maximum Loan: $250,000; Maximum LTV 80%; Closing costs paid by Bank; Interest rate discounted with payments automatically withdrawn from Washington Savings Bank checking or savings account; 2nd position liens only
Last Updated11/07/2026
Rate History
No change since Oct 14, 2026 · 6.50% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.37%
Special HELOAN with existing WSB 1st Mortage
6.25%
-
6.25%
10 Years
DetailsTerm: 10 Years with Auto Pay; For existing Washington Savings Bank Mortgage holders; Minimum Loan: $10,000; Maximum Loan: $250,000; Maximum LTV 80%; Closing costs paid by Bank; Interest rate discounted with payments automatically withdrawn from Washington Savings Bank checking or savings account; 2nd position liens only
Last Updated11/07/2026
Rate History
No change since Oct 14, 2026 · 6.25% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.37%
Financial Health History
Washington Savings Bank Lowell, MA’s Texas Ratio fell from 4.14% in Q3 2023 to 2.37% 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
$302M
2.37%
5.0
A+
March 31, 2026
$299M
2.86%
5.0
A+
December 31, 2025
$306M
2.73%
5.0
A+
September 30, 2025
$297M
3.25%
5.0
A+
June 30, 2025
$297M
3.33%
5.0
A+
March 31, 2025
$293M
2.90%
5.0
A+
December 31, 2024
$290M
2.97%
5.0
A+
September 30, 2024
$286M
2.52%
5.0
A+
June 30, 2024
$285M
1.82%
5.0
A+
March 31, 2024
$285M
2.63%
5.0
A+
December 31, 2023
$287M
2.97%
5.0
A+
September 30, 2023
$282M
4.14%
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 Lowell, MA 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 Lowell, MA 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 Lowell, MA's official website for the most current offers and terms.
Address
30 Middlesex St,
Lowell, MA 01852 · Middlesex
FDIC Certificate #90229
RegulatorFED
EstablishedApril 6, 1892
FDIC Insurance DateOctober 10, 1985
Domestic Offices2
Total Branches2
FDIC Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.37%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
0.2282%
Return on Equity (ROE)
2.4200%
Non-Performing Loans Ratio (NPL)
0.23%
Total Assets
$302,337,000
Total Deposits
$249,265,000
Equity Capital
$29,339,000
Net Income
$345,000
Headquarters
Lowell
Total Branches and Offices
2
Source: FDIC — Last Updated June 30, 2026
2026 MBR Health & Safety Badge
Washington Savings Bank Lowell, MA 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.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Washington Savings Bank Lowell, MA
Frequently Asked Questions About Washington Savings Bank Lowell, MA
Does Washington Savings Bank Lowell, MA offer CDs?
Yes. Washington Savings Bank Lowell, MA current CD rates include its 13-Month CD at 4.13% APY, its 18-Month CD at 4.00% APY and its 6-Month CD at 3.50% APY, verified by MonitorBankRates as of November 7, 2026.
Are CDs from Washington Savings Bank Lowell, MA FDIC insured?
Yes. Washington Savings Bank Lowell, MA is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.
What is the highest CD rate at Washington Savings Bank Lowell, MA?
The highest Washington Savings Bank Lowell, MA CD rate is its 13-Month Certificate at 4.13% APY, verified by MonitorBankRates as of November 7, 2026.
What CD terms does Washington Savings Bank Lowell, MA offer?
Washington Savings Bank Lowell, MA CD rates are 3.50% APY for a 6 month CD, 3.44% APY for a 7 month CD, 2.88% APY for a 12 month CD, 4.13% APY for a 13 month CD, 4.00% APY for an 18 month CD, 0.40% APY for a 2 year CD, 0.55% APY for a 3 year CD, 0.65% APY for a 4 year CD and 0.75% APY for a 5 year CD, verified by MonitorBankRates as of November 7, 2026. The institution may offer other terms or specials that are not listed here, so check with Washington Savings Bank Lowell, MA for its full lineup.
What is the highest savings rate at Washington Savings Bank Lowell, MA?
The highest Washington Savings Bank Lowell, MA savings rate is its Rewards Savings at 0.10% APY, verified by MonitorBankRates as of November 7, 2026.
What is the highest money market rate at Washington Savings Bank Lowell, MA?
The highest Washington Savings Bank Lowell, MA money market rate is its Non-Profit Money Market at 3.08% APY, verified by MonitorBankRates as of November 7, 2026.
What is the highest checking rate at Washington Savings Bank Lowell, MA?
The highest Washington Savings Bank Lowell, MA checking rate is its Interest Rewards Checking at 5.00% APY, verified by MonitorBankRates as of November 7, 2026.
What is the lowest 30 year fixed mortgage rate at Washington Savings Bank Lowell, MA?
The lowest Washington Savings Bank Lowell, MA 30 year fixed mortgage rate is its Welcome Home - 30-Year Fixed Rate at 7.076% APR, verified by MonitorBankRates as of November 7, 2026. Washington Savings Bank Lowell, MA mortgage rates are 7.076% APR for a 30 year mortgage, 6.73% APR for a 20 year mortgage, 6.621% APR for a 15 year mortgage and 6.25% for a 5/5 ARM.
What is the lowest auto loan rate at Washington Savings Bank Lowell, MA?
The lowest Washington Savings Bank Lowell, MA auto loan rate is its New Auto Loans at 7.25% APR, verified by MonitorBankRates as of November 7, 2026. Washington Savings Bank Lowell, MA auto loan rates are 15.25% for a 36 month auto loan and 15.25% for a 60 month auto loan.
What is the lowest personal loan rate at Washington Savings Bank Lowell, MA?
The lowest Washington Savings Bank Lowell, MA personal loan rate is its Personal Loan - 3 Year with Auto Pay at 15.25%, verified by MonitorBankRates as of November 7, 2026. Washington Savings Bank Lowell, MA personal loan rates are 15.25% for a 36 month personal loan and 15.25% for a 60 month personal loan.
How many branches does Washington Savings Bank Lowell, MA operate?
Washington Savings Bank Lowell, MA 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, Washington Savings Bank Lowell, MA 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 Lowell, MA provides members with tools to manage their accounts and build a solid financial history.
Does Washington Savings Bank Lowell, MA offer online and mobile banking?
Most modern institutions like Washington Savings Bank Lowell, MA 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.com.
Are all CD rates listed on MonitorBankRates federally insured?
Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.
I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?
You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.
How do Washington Savings Bank Lowell, MA rates compare?
Washington Savings Bank Lowell, MA's top CD rate of 4.13% APY on a 13 month CD is 37% higher than the MonitorBankRates national average of 3.02% APY for that term, and it has an A+ health rating. Washington Savings Bank Lowell, MA's top rates are its 13-Months 13-Month Certificate at 4.13% APY, its Rewards Savings at 0.10% APY, its Non-Profit Money Market at 3.08% APY, its Interest Rewards Checking at 5.00% APY, its Fall Into a Better Mortgage - 5/5 ARM at 6.25% and its Personal Loan - 3 Year with Auto Pay at 15.25% APR, verified by MonitorBankRates on November 7, 2026.
Current Washington Savings Bank Lowell, MA Rates
12-Month CD2.88%
18-Month CD4.00%
24-Month CD0.40%
36-Month CD0.55%
48-Month CD0.65%
60-Month CD0.75%
Savings0.10%
MMA3.08%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
