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 Washington Savings Bank Lowell, MA Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
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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: April 24, 2026
Washington Savings Bank Lowell, MA's 91 Day Certificate rates are at 3.60%, 6-Month Certificate rates are at 3.50%, 7-Month Certificate rates are at 3.44%, 18-Month Certificate rates are at 3.19%, 18-Month Certificate IRA rates are at 3.19%. Washington Savings Bank Lowell, MA's savings rates are at 0.05%. Washington Savings Bank Lowell, MA's money market rates are at 0.05%. Washington Savings Bank Lowell, MA's Personal Loan Rates are at 15.25%. 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 4.14%. Rates were last updated on 04/24/2026. 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
30 Middlesex St
https://www.washingtonsavings.com Lowell, MA 01852 
Washington Savings Bank Lowell, MA CD Rates
Washington Savings Bank Lowell, MA Savings Rates
Washington Savings Bank Lowell, MA Money Market Rates
Washington Savings Bank Lowell, MA Checking Rates
Washington Savings Bank Lowell, MA Mortgage Rates
Washington Savings Bank Lowell, MA Home Equity & HELOC
Washington Savings Bank Lowell, MA Auto Loan Rates
Washington Savings Bank Lowell, MA Personal Loan Rates
Methodology & Data SourcesMonitorBankRates 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.
Bank Profile & Overview
Institution Name
Washington Savings Bank Lowell, MA
FDIC Certificate #
90229
Address
30 Middlesex St,
Lowell, MA 01852 · Middlesex
Established
04/06/1892
FDIC Insurance Date
10/10/1985
Domestic Offices
2
Total Branches
2
Regulator
FED
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA+
Overall Health Grade
Score: 98/100
5.0
Exceptional
Out of 5.0 Stars
4.14%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.2306%
Return on Equity (ROE)
2.6700%
Non-Performing Loans (NPL)
0.34%
Total Assets
$305,936,000
Total Deposits
$240,663,000
Equity Capital
$28,021,000
Net Income
$416,000
Headquarters
Lowell
Total Offices
2
Source: FDIC | Last Updated 12/31/2025
Frequently Asked Questions About Washington Savings Bank Lowell, MAIs Washington Savings Bank Lowell, MA a safe place to deposit money?Yes, Washington Savings Bank Lowell, MA is considered a safe financial institution. With a Texas Ratio of 4.1413738019169%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category. 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. Current Washington Savings Bank Lowell, MA Rates
Retrieved from our database of financial products. Rates subject to change.
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