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Advertiser Disclosure
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 Washington Trust Company, of Westerly Rates & Review September 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.
Read Full Bio →
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: September 18, 2026
Washington Trust Company, of Westerly's 1-2 years 1 - 2 Year Choose Your Term CD rates are at 4.00%, 7-Month Promo CD rates are at 4.00%, 6-Month Relationship CD Special rates are at 3.55%, 9-Month Relationship CD rates are at 3.50%, 13-Month APY Add-On CD rates are at 3.35%. Washington Trust Company, of Westerly's savings rates are at 0.05%. Washington Trust Company, of Westerly's Jumbo Fixed Mortgage rates are at 6.50%, Fixed Rate Mortgages rates are at 6.38%, Jumbo Fixed Mortgage rates are at 6.50%, Jumbo Fixed Mortgage rates are at 6.50%, Fixed Rate Mortgages rates are at 6.62%. Washington Trust Company, of Westerly's Personal Loan Rates are as low as 9.42%. MonitorBankRates evaluates the financial stability of Washington Trust Company, of Westerly with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.00%. Rates last updated and verified on 09/18/2026. Washington Trust Company, of Westerly 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 Trust Company, of Westerly? Share your experience about Washington Trust Company, of Westerly by leaving a review below, or read customer reviews before you decide to use Washington Trust Company, of Westerly. 
Washington Trust Company, of Westerly CD Rates
Washington Trust Company, of Westerly Savings Rates
Washington Trust Company, of Westerly Checking Rates
Washington Trust Company, of Westerly Mortgage Rates
Washington Trust Company, of Westerly Home Equity & HELOC
Washington Trust Company, of Westerly Personal Loan Rates
Washington Trust Company, of Westerly Other Rates
Financial Health HistoryWashington Trust Company, of Westerly’s Texas Ratio fell from 7.68% in Q3 2023 to 7.00% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 4.2 to 5.0 and its Health Grade from B+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)
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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
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Washington Trust Company, of Westerly 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 Trust Company, of Westerly 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 Trust Company, of Westerly's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Washington Trust Company, of Westerly
Bank Holding Company
WASHINGTON TRUST BCORP INC
Address
23 Broad St,
Westerly, RI 02891 · Washington
Website
https://www.washtrust.com
FDIC Certificate #
23623
Established
18000101
FDIC Insurance Date
19820102
Domestic Offices
30
Total Branches
30
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA
Overall Health Grade
Score: 96/100
5.0
Exceptional
Out of 5.0 Stars
7.00%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.8978%
Return on Equity (ROE)
10.4400%
Non-Performing Loans (NPL)
0.61%
Total Assets
$6,551,001,000
Total Deposits
$5,364,294,000
Equity Capital
$568,667,000
Net Income
$29,378,000
Headquarters
Westerly
Total Branches and Offices
30
Source: FDIC | Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Washington Trust Company, of WesterlyHow many branches does Washington Trust Company, of Westerly operate?Washington Trust Company, of Westerly currently maintains approximately 30 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 Trust Company, of Westerly 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 Trust Company, of Westerly provides members with tools to manage their accounts and build a solid financial history. Does Washington Trust Company, of Westerly offer online and mobile banking?Most modern institutions like Washington Trust Company, of Westerly 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.washtrust.com. Current Washington Trust Company, of Westerly Rates
Retrieved from our database of financial products. Rates subject to change.
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