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

Current rates for Wells River Savings Bank include: Savings: 0.05%, MMA: 0.05%

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Wells River Savings Bank Rates & Review July 2026

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: July 7, 2026

Wells River Savings Bank's 28 Days 28 Day Certificate of Deposit (CD) CDARSonly rates are at 0.05%. Wells River Savings Bank's savings rates are at 0.05%. Wells River Savings Bank's money market rates are at 0.05%. Wells River Savings Bank's Fixed Rate Mortgages (1)* 15 years rates are at 6.12%, Fixed Rate Mortgages (1)* 20 years rates are at 6.38%, Fixed Rate Mortgages (1)* 30 years rates are at 6.62%. Wells River Savings Bank's Personal Loan Rates are at 8.24%. 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 5.56%. Rates were last updated on 07/07/2026.

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 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.56%

Excellent Lower than avg

Wells River Savings Bank

34 Main St N
Wells River, VT 05081

https://www.wellsriversavings.com

Wells River Savings Bank CD Rates

Product	Rate	APY	Term	View More
28 Day Certificate of Deposit (CD) CDARSonly	0.05%	0.05%	28 Days
Min Deposit $10,000 Min Balance $10,000 Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%

Wells River Savings Bank Savings Rates

Product	Rate	APY
Health Savings Account(HSA)	0.50%	0.50%
Min Deposit $50 Min Balance $10,000 Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Health Savings Account(HSA)	0.35%	0.35%
Min Deposit $50 Min Balance $1,000 Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Health Savings Account(HSA)	0.15%	0.15%
Min Deposit $50 Details Qualifying balance up to $999.00 Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Statement Savings	0.15%	0.15%
Min Deposit $100 Min Balance $100,000 Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Youth/Student Savings	0.15%	0.15%
Min Deposit $1 Min Balance $100,000 Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Statement Savings	0.10%	0.10%
Min Deposit $100 Min Balance $2,500 Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Youth/Student Savings	0.10%	0.10%
Min Deposit $1 Min Balance $2,500 Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Statement Savings	0.05%	0.05%
Min Deposit $100 Details Qualifying balance up to $2,499.00 Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Youth/Student Savings	0.05%	0.05%
Min Deposit $1 Details Qualifying balance up to $2,499.00 Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%

Wells River Savings Bank Money Market Rates

Product	Rate	APY
Insured Cash Sweep (ICS) Money Market	0.60%	0.60%
Min Deposit $1 Min Balance $1 Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Premium Money Market Account	0.60%	0.60%
Min Deposit $25,000 Min Balance $250,000 Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Premium Money Market Account	0.40%	0.40%
Min Deposit $25,000 Min Balance $100,000 Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Premium Money Market Account	0.25%	0.25%
Min Deposit $25,000 Min Balance $50,000 Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Money Market Account	0.15%	0.15%
Min Deposit $2,500 Min Balance $25,000 Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Premium Money Market Account	0.15%	0.15%
Min Deposit $25,000 Min Balance $25,000 Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Money Market Account	0.05%	0.05%
Min Deposit $2,500 Details Qualifying balance up to $2,499.00 Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Premium Money Market Account	0.05%	0.05%
Min Deposit $25,000 Details Qualifying balance up to $24,999.00 Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%

Wells River Savings Bank Mortgage Rates

Product	Rate	Points	APR	Term
Fixed Rate Mortgages (1)* 15 years	6.13%	0	6.32%	15 years
No additional details. Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Fixed Rate Mortgages (1)* 20 years	6.38%	0	6.53%	20 years
No additional details. Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Fixed Rate Mortgages (1)* 30 years	6.63%	0	6.74%	30 years
No additional details. Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%

Wells River Savings Bank Auto Loan Rates

Product	Rate	Points	APR	Term
Used Auto Loans 2022 to 2026	7.00%	-	8.24%	6 Years
Details Maximum Loan-to-Value: 100% Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Used Auto Loans 2022 to 2026	7.00%	-	8.46%	5 Years
Details Maximum Loan-to-Value: 100% Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Used Auto Loans 2018 to 2021	7.25%	-	8.71%	5 Years
Details Maximum Loan-to-Value: 100% Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Used Auto Loans 2013 to 2017	7.75%	-	9.55%	4 Years
Details Maximum Loan-to-Value: 90% Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%
Used Auto Loans 2012 & Older	9.00%	-	11.37%	3 Years
Details Maximum Loan-to-Value: 90% Last Updated 07/07/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.56%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

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

Institution Name Wells River Savings Bank

FDIC Certificate # 14136

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

Website https://www.wellsriversavings.com

Established 01/01/1892

FDIC Insurance Date 03/31/1934

Domestic Offices 6

Total Branches 6

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 97/100

5.0

Exceptional Out of 5.0 Stars

5.56%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.6575%

Return on Equity (ROE) 9.8200%

Non-Performing Loans (NPL) 0.32%

Total Assets $251,880,000

Total Deposits $219,733,000

Equity Capital $22,785,000

Net Income $1,678,000

Headquarters Wells River

Total Branches and Offices 6

Source: FDIC | Last Updated 12/31/2025

2026 MBR Health & Safety Badge

Wells River Savings Bank earned the Verified Healthy badge

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Customer Reviews

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Total Reviews

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Frequently Asked Questions About Wells River Savings Bank

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.