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Wells River Savings Bank Rates & Review November 2026

Q: What are the current interest rates at Wells River Savings Bank?

Current rates for Wells River Savings Bank include: 12-Month CD: 3.56%, 24-Month CD: 2.78%, 36-Month CD: 0.60%, 60-Month CD: 0.60%, Savings: 0.50%, MMA: 0.60%

Q: What CD terms does Wells River Savings Bank offer?

Wells River Savings Bank CD rates are 3.82% APY for a 6 month CD, 3.56% APY for a 12 month CD, 2.78% APY for a 2 year CD, 0.60% APY for a 3 year CD and 0.60% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Wells River Savings Bank for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 5, 2026

Wells River Savings Bank's 6-Month CD (CD) rates are at 3.82%, 12-Month CD (CD) rates are at 3.56%, 24-Month CD (CD) rates are at 2.78%, 36-Month CD (CD) rates are at 0.60%, 60-Month CD (CD) rates are at 0.60%. Wells River Savings Bank's savings rates are at 0.50%. Wells River Savings Bank's money market rates are at 0.60%. Wells River Savings Bank's checking rates are as high as 2.50%. Wells River Savings Bank's Fixed Rate Mortgages rates are at 6.125%. Wells River Savings Bank's Auto Loan Rates are as low as 6.14%. Wells River Savings Bank's top CD rate of 3.82% APY on a 6 month CD is 36% higher than the MonitorBankRates national average of 2.81% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Wells River Savings Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.99%. Rates last updated and verified on 11/05/2026.

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

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.99%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Wells River Savings Bank

34 Main St N
Wells River, VT 05081

https://www.wellsriversavings.com

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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.

Wells River Savings Bank CD Rates

Product	Rate	APY	Term	Min. Deposit
6-Month CD (CD)	3.75%	3.82%	6 Months	$200
Min Deposit $200 Min Balance $200 Details Includes IRA and CDARS Investments Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.82% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
12-Month CD (CD)	3.50%	3.56%	12 Months	$200
Min Deposit $200 Min Balance $200 Details Includes IRA and CDARS Investments Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 3.56% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
24-Month CD (CD)	2.75%	2.78%	24 Months	$200
Min Deposit $200 Min Balance $200 Details Includes IRA and CDARS Investments Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 2.78% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
36-Month CD (CD)	0.60%	0.60%	36 Months	$200
Min Deposit $200 Min Balance $200 Details Includes IRA and CDARS Investments Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
60-Month CD (CD)	0.60%	0.60%	60 Months	$200
Min Deposit $200 Min Balance $200 Details Includes IRA and CDARS Investments Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
3-Month CD (CD)	0.15%	0.15%	3 Months	$200
Min Deposit $200 Min Balance $200 Details Includes IRA and CDARS Investments Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%

Wells River Savings Bank Savings Rates

Product	Rate	APY
Health Savings Account (HSA)	0.50%	0.50%
Min Deposit $50 Min Balance $10,000 Details Balance: $10,000 and up Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.50% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Health Savings Account (HSA)	0.35%	0.35%
Min Deposit $50 Min Balance $1,000 Details Balance: $1,000 - $9,999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.35% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Health Savings Account (HSA)	0.15%	0.15%
Min Deposit $50 Min Balance $0 Details Balance: Up to $999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Statement Savings	0.15%	0.15%
Min Deposit $100 Min Balance $100,000 Details Balance: $100,000 and up Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.15% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Youth/Student Savings	0.15%	0.15%
Min Deposit $1 Min Balance $100,000 Details Balance: $100,000 and up Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.15% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Statement Savings	0.10%	0.10%
Min Deposit $100 Min Balance $2,500 Details Balance: $2,500 - $99,999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Youth/Student Savings	0.10%	0.10%
Min Deposit $1 Min Balance $2,500 Details Balance: $2,500 - $99,999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.10% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Statement Savings	0.05%	0.05%
Min Deposit $100 Min Balance $0 Details Balance: Up to $2,499 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Youth/Student Savings	0.05%	0.05%
Min Deposit $1 Min Balance $0 Details Balance: Up to $2,499 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%

Wells River Savings Bank Money Market Rates

Product	Rate	APY
Premium Money Market Account	0.60%	0.60%
Min Deposit $25,000 Min Balance $250,000 Details Balance: $250,000 and up Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.60% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Premium Money Market Account	0.40%	0.40%
Min Deposit $25,000 Min Balance $100,000 Details Balance: $100,000 to $249,999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.40% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Premium Money Market Account	0.25%	0.25%
Min Deposit $25,000 Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Money Market Account	0.15%	0.15%
Min Deposit $2,500 Min Balance $25,000 Details Balance: $25,000 - $99,999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.15% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Money Market Account	0.15%	0.15%
Min Deposit $2,500 Min Balance $100,000 Details Balance: $100,000 - $299,999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.15% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Money Market Account	0.15%	0.15%
Min Deposit $2,500 Min Balance $300,000 Details Balance: $300,000 and up Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.15% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Premium Money Market Account	0.15%	0.15%
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Money Market Account	0.05%	0.05%
Min Deposit $2,500 Min Balance $0 Details Balance: Up to $2,499 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Premium Money Market Account	0.05%	0.05%
Min Deposit $25,000 Min Balance $0 Details Balance: Up to $24,999 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%

Wells River Savings Bank Checking Rates

Product	Rate	APY
Free Kasasa Cash Checking	-	2.50%
Min Deposit $25 Details Qualifications Required; 2.50% APY on balances up to $35,000; 2.50% to 0.25% APY on balances over $35,000 depending on balance in account; 0.05% APY if qualifications aren't met; Monthly Maintenance Fee: N/A Last Updated 11/05/2026 Rate History No change since Oct 7, 2026 · 2.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Kasasa Cash Checking	2.472%	2.50%
Min Deposit $25 Min Balance $0 Details Balance: Up to $35,000 Last Updated 11/05/2026 Rate History 1 change since Sep 19, 2026 · 0.05% → 2.50% ▲ 2.45 pts · high 2.50% / low 0.05% Oct 14, 20262.50%▲ from 0.05% Sep 19, 20260.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Kasasa Cash Checking	0.25%	0.25%
Min Deposit $25 Min Balance $35,000 Details Balance: $35,000 and up Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Kasasa Cash Checking	0.05%	0.05%
Min Deposit $25 Details Balance: All balances on non-qualifying accounts Last Updated 11/05/2026 Rate History 3 changes since Sep 19, 2026 · 2.50% → 0.05% ▼ 2.45 pts · high 2.50% / low 0.05% Oct 20, 20260.05%▼ from 2.50% Oct 14, 20262.50%▲ from 0.05% Sep 24, 20260.05%▼ from 2.50% Sep 19, 20262.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%

Wells River Savings Bank Mortgage Rates

Product	Rate	Points	APR	Term
Fixed Rate Mortgages	6.125%	0	6.318%	15 years
Details Max LTV: 80%; Residential Mortgage - Portfolio, Primary Residence & One Unit Second Homes; APR based on $100,000 loan incl. fees Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 6.32% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Fixed Rate Mortgages	6.375%	0	6.53%	20 years
Details Max LTV: 80%; Residential Mortgage - Portfolio, Primary Residence & One Unit Second Homes; APR based on $100,000 loan incl. fees Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 6.53% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Fixed Rate Mortgages	6.625%	0	6.744%	30 years
Details Max LTV: 80%; Residential Mortgage - Portfolio, Primary Residence & One Unit Second Homes; APR based on $100,000 loan incl. fees Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 6.74% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%

Wells River Savings Bank Auto Loan Rates

Product	Rate	Points	APR	Term
New Auto Loan - 2023-2026 New Vehicles	6.00%	-	6.14%	3 Years
Details Rate range: 6.00-9.50%; APR range: 6.14-9.65%; Maximum loan-to-value: 100%; Category: 2023-2026 New Vehicles or Vehicles with less than 5,000 miles; APR based on $20,000 loan for the specified term and includes VSI fee Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 6.14% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
New Auto Loan - 2023-2026 New Vehicles	6.25%	-	6.36%	4 Years
Details Rate range: 6.25-9.50%; APR range: 6.36-9.62%; Maximum loan-to-value: 100%; Category: 2023-2026 New Vehicles or Vehicles with less than 5,000 miles; APR based on $20,000 loan for the specified term and includes VSI fee Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 6.36% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
New Auto Loan - 2023-2026 New Vehicles	6.50%	-	6.59%	5 Years
Details Rate range: 6.50-10.00%; APR range: 6.59-10.10%; Maximum loan-to-value: 100%; Category: 2023-2026 New Vehicles or Vehicles with less than 5,000 miles; APR based on $20,000 loan for the specified term and includes VSI fee Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 6.59% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
New Auto Loan - 2023-2026 New Vehicles	6.75%	-	6.83%	6 Years
Details Rate range: 6.75-10.25%; APR range: 6.83-10.33%; Maximum loan-to-value: 100%; Category: 2023-2026 New Vehicles or Vehicles with less than 5,000 miles; APR based on $20,000 loan for the specified term and includes VSI fee Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 6.83% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Used Auto Loan - 2022 to 2026	7.00%	-	8.24%	6 Years
Details Model Year: 2022 to 2026; Maximum Loan-to-Value: 100%; Loan Rate range: 7.00-11.00%; APR range: 8.24 - 12.30%; Monthly Payment Per $1000: $17.05-$19.04; APR's on USED Autos based on $4,000 for specified term and includes VSI and $95 processing fee Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 8.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Used Auto Loan - 2022 to 2026	7.00%	-	8.46%	5 Years
Details Model Year: 2022 to 2026; Maximum Loan-to-Value: 100%; Loan Rate range: 7.00-11.00%; APR range: 8.46 - 12.52%; Monthly Payment Per $1000: $19.81-$21.75; APR's on USED Autos based on $4,000 for specified term and includes VSI and $95 processing fee Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 8.46% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Used Auto Loan - 2018 to 2021	7.25%	-	8.71%	5 Years
Details Model Year: 2018 to 2021; Maximum Loan-to-Value: 100%; Loan Rate range: 7.25-12.75%; APR range: 8.71 - 14.30%; Monthly Payment Per $1000: $19.92-$22.63; APR's on USED Autos based on $4,000 for specified term and includes VSI and $95 processing fee Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 8.71% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Used Auto Loan - 2013 to 2017	7.75%	-	9.55%	4 Years
Details Model Year: 2013 to 2017; Maximum Loan-to-Value: 90%; Loan Rate range: 7.75-13.00%; APR range: 9.55 - 14.89%; Monthly Payment Per $1000: $24.30-$26.83; APR's on USED Autos based on $4,000 for specified term and includes VSI and $95 processing fee Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 9.55% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Used Auto Loan - 2012 & Older	9.00%	-	11.37%	3 Years
Details Model Year: 2012 & Older; Maximum Loan-to-Value: 90%; Loan Rate range: 9.00-13.25%; APR range: 11.37 - 15.69%; Monthly Payment Per $1000: $31.81-$33.81; APR's on USED Autos based on $4,000 for specified term and includes VSI and $95 processing fee Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 11.37% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%

Wells River Savings Bank Other Rates

Product	Rate	Points	APY/APR	Term
My First Home Loan	7.00%	0	7.122%	30 years
Details Max LTV: 90%; Residential Mortgage - Portfolio, Primary Residence & One Unit Second Homes; first time home buyers, income eligibility and minimum credit score of 620 apply; APR based on $100,000 loan incl. fees Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 7.12% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
My First Home Loan	6.75%	0	6.908%	20 years
Details Max LTV: 90%; Residential Mortgage - Portfolio, Primary Residence & One Unit Second Homes; first time home buyers, income eligibility and minimum credit score of 620 apply; APR based on $100,000 loan incl. fees Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 6.91% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
My First Home Loan	6.50%	0	6.695%	15 years
Details Max LTV: 90%; Residential Mortgage - Portfolio, Primary Residence & One Unit Second Homes; first time home buyers, income eligibility and minimum credit score of 620 apply; APR based on $100,000 loan incl. fees Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 6.70% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Veterans Administration (VA) - 15 years Loan	6.125%	0	6.767%	15 years
Details Max LTV: 100%; APR based on $100,000 loan for the specified term and includes fees ($650 processing, $25 Flood Determination, $3,300 VA Funding) Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 6.77% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Veterans Administration (VA) - 30 years Loan	6.625%	0	7.023%	30 years
Details Max LTV: 100%; APR based on $100,000 loan for the specified term and includes fees ($650 processing, $25 Flood Determination, $3,300 VA Funding) Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 7.02% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Veterans Administration (VA) Loan	6.625%	0	7.023%	30 years
Details Max LTV: 100%; Residential Mortgage - Portfolio, Primary Residence & One Unit Second Homes; APR based on $100,000 loan incl. VA funding fee Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 7.02% APR · checked 15 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Veterans Administration (VA) Loan	6.125%	0	6.767%	15 years
Details Max LTV: 100%; Residential Mortgage - Portfolio, Primary Residence & One Unit Second Homes; APR based on $100,000 loan incl. VA funding fee Last Updated 11/05/2026 Rate History No change since Sep 15, 2026 · 6.77% APR · checked 15 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Automatic Transfer Account (ATS)	0.05%	-	0.05%
Min Deposit $750 Min Balance $0 Details Balance: Up to $2,499 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Automatic Transfer Account (ATS)	0.10%	-	0.10%
Min Deposit $750 Min Balance $2,500 Details Balance: $2,500 - $99,999 Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Automatic Transfer Account (ATS)	0.15%	-	0.15%
Min Deposit $750 Min Balance $100,000 Details Balance: $100,000 and up Last Updated 11/05/2026 Rate History No change since Oct 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Kasasa Cash Checking	-	-	2.50%
Min Deposit $25 Min Balance $0 Details Qualifications Required; Qualifying balance up to $35,000.00; Refunds on ATM withdrawal fees, nationwide (up to $25 monthly); Link to free Kasasa Saver; No monthly maintenance fees; $25 minimum deposit to open Last Updated 11/05/2026 Rate History 1 change since Sep 19, 2026 · 0.05% → 2.50% ▲ 2.45 pts · high 2.50% / low 0.05% Oct 14, 20262.50%▲ from 0.05% Sep 19, 20260.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Kasasa Saver Savings	0.995%	-	1.00%
Min Deposit $100 Min Balance $0 Details Balance: Up to $75,000 Last Updated 11/05/2026 Rate History 1 change since Sep 19, 2026 · 0.05% → 1.00% ▲ 0.95 pts · high 1.00% / low 0.05% Oct 14, 20261.00%▲ from 0.05% Sep 19, 20260.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Kasasa Saver Savings	0.25%	-	0.25%
Min Deposit $100 Min Balance $75,000 Details Balance: $75,000 and up Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Kasasa Saver Savings	0.05%	-	0.05%
Min Deposit $100 Details Balance: All balances on non-qualifying accounts Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%
Savings Club (50 Week Term)	0.05%	-	0.05%
Min Deposit $1 Min Balance $1 Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.05% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.99%

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

Wells River Savings Bank’s Texas Ratio fell from 5.50% in Q3 2023 to 4.99% 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 4.5 to 5.0 and its Health Grade from A- 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)

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	$267M	4.99%	5.0	A+
March 31, 2026	$260M	6.59%	5.0	A
December 31, 2025	$252M	7.67%	5.0	A
September 30, 2025	$252M	6.24%	5.0	A
June 30, 2025	$248M	5.20%	5.0	A+
March 31, 2025	$238M	4.88%	5.0	A+
December 31, 2024	$238M	6.47%	5.0	A
September 30, 2024	$238M	5.77%	5.0	A+
June 30, 2024	$235M	4.17%	5.0	A+
March 31, 2024	$239M	5.58%	5.0	A+
December 31, 2023	$234M	3.01%	5.0	A+
September 30, 2023	$226M	5.50%	4.5	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 Wells River Savings 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 Wells River Savings 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 Wells River Savings Bank's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Wells River Savings Bank

Website https://www.wellsriversavings.com

Address 34 Main St N, Wells River, VT 05081 · Orange

FDIC Certificate # 14136

Regulator FDIC

Established January 1, 1892

FDIC Insurance Date March 31, 1934

Domestic Offices 6

Total Branches 6

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.99%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

0.6214%

Return on Equity (ROE)

6.9900%

Non-Performing Loans Ratio (NPL)

0.44%

Total Assets

$266,865,000

Total Deposits

$234,608,000

Equity Capital

$23,591,000

Net Income

$806,000

Headquarters

Wells River

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

Wells River Savings Bank earned the Verified Healthy badge

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Frequently Asked Questions About Wells River Savings Bank

Does Wells River Savings Bank offer CDs?

Yes. Wells River Savings Bank current CD rates include its 6-Month CD (CD) at 3.82% APY, its 12-Month CD (CD) at 3.56% APY and its 24-Month CD (CD) at 2.78% APY, verified by MonitorBankRates as of November 5, 2026.

Are CDs from Wells River Savings Bank FDIC insured?

Yes. Wells River Savings Bank 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 Wells River Savings Bank?

The highest Wells River Savings Bank CD rate is its 6-Month Certificate of Deposit (CD) at 3.82% APY, verified by MonitorBankRates as of November 5, 2026.

What CD terms does Wells River Savings Bank offer?

Wells River Savings Bank CD rates are 3.82% APY for a 6 month CD, 3.56% APY for a 12 month CD, 2.78% APY for a 2 year CD, 0.60% APY for a 3 year CD and 0.60% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Wells River Savings Bank for its full lineup.

What is the highest savings rate at Wells River Savings Bank?

The highest Wells River Savings Bank savings rate is its Health Savings Account (HSA) at 0.50% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest money market rate at Wells River Savings Bank?

The highest Wells River Savings Bank money market rate is its Premium Money Market Account at 0.60% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest checking rate at Wells River Savings Bank?

The highest Wells River Savings Bank checking rate is its Free Kasasa Cash Checking at 2.50% APY, verified by MonitorBankRates as of November 5, 2026.

What is the lowest mortgage rate at Wells River Savings Bank?

The lowest Wells River Savings Bank mortgage rate is its Fixed Rate Mortgages at 6.125%, verified by MonitorBankRates as of November 5, 2026.

What is the lowest auto loan rate at Wells River Savings Bank?

The lowest Wells River Savings Bank auto loan rate is its New Auto Loan - 2023-2026 New Vehicles at 6.00%, verified by MonitorBankRates as of November 5, 2026.

How many branches does Wells River Savings Bank operate?

Wells River Savings Bank currently maintains approximately 6 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, Wells River Savings 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, Wells River Savings Bank provides members with tools to manage their accounts and build a solid financial history.

Does Wells River Savings Bank offer online and mobile banking?

Most modern institutions like Wells River Savings 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.wellsriversavings.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 Wells River Savings Bank rates compare?

Wells River Savings Bank's top CD rate of 3.82% APY on a 6 month CD is 36% higher than the MonitorBankRates national average of 2.81% APY for that term, and it has an A+ health rating. Wells River Savings Bank's top rates are its 6-Months 6-Month Certificate of Deposit (CD) at 3.82% APY, its Health Savings Account (HSA) at 0.50% APY, its Premium Money Market Account at 0.60% APY, its Free Kasasa Cash Checking at 2.50% APY, its Fixed Rate Mortgages at 6.125% and its New Auto Loan - 2023-2026 New Vehicles at 6.14% APR, verified by MonitorBankRates on November 5, 2026.

Current Wells River Savings Bank Rates

12-Month CD3.56%
24-Month CD2.78%
36-Month CD0.60%
60-Month CD0.60%
Savings0.50%
MMA0.60%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Banks

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Wells River Savings Bank Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Wells River Savings Bank Texas Ratio

Wells River Savings Bank Health Trend

Wells River Savings Bank CD Rates

Wells River Savings Bank Savings Rates

Wells River Savings Bank Money Market Rates

Wells River Savings Bank Checking Rates

Wells River Savings Bank Mortgage Rates

Wells River Savings Bank Auto Loan Rates

Wells River Savings Bank Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

Wells River Savings Bank earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Wells River Savings Bank

Does Wells River Savings Bank offer CDs?

Are CDs from Wells River Savings Bank FDIC insured?

What is the highest CD rate at Wells River Savings Bank?

What CD terms does Wells River Savings Bank offer?

What is the highest savings rate at Wells River Savings Bank?

What is the highest money market rate at Wells River Savings Bank?

What is the highest checking rate at Wells River Savings Bank?

What is the lowest mortgage rate at Wells River Savings Bank?

What is the lowest auto loan rate at Wells River Savings Bank?

How many branches does Wells River Savings Bank operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Wells River Savings Bank offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Wells River Savings Bank rates compare?

Current Wells River Savings Bank Rates

Compare to Other Banks