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Whether you are looking to buy a new car, take that much needed vacation, or perhaps add on that new family room you've been dreaming about, our experienced Consumer Lending team can offer you a complete line of consumer loans and credit lines and help you find the one that best meets your needs.
Consumer Loan Products: |
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| Model Year Vehicle |
Maximum Term in Months |
Annual Percentage Rate (APR) |
Monthly Cost Per $1,000 Borrowed |
| 2008 - 2007 (New) | 12 | 6.25% | $86.17 |
| 24 | 6.25% | $44.42 | |
| 36 | 6.25% | $30.53 | |
| 48 | 6.25% | $23.59 | |
| 60 | 6.25% | $19.44 | |
| 2007 - 2000 (Used) | 12 | 6.75% | $86.40 |
| 24 | 6.75% | $44.65 | |
| 36 | 6.75% | $30.75 | |
| 48 | 6.75% | $23.82 | |
| 54 | 6.75% | $21.52 |
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Automobile Loans - Discounts Available
- 1/2 percent (.50%) for a new or existing checking account.
- 1/4 percent (.25%) for a new or existing savings account with a $1,000.00 minimum balance.
- 1/4 percent (.25%) for direct deposit into a Winchester Savings Bank account of a payroll, pension, or social security check.
- 1/10 percent (.10%) for automatic payments of the loan from a Winchester Savings Bank checking or statement savings account.
- The discounts may be combined for a total of 1.10% off any current new or used auto loan rate offered.
Automobile Loans - Details
- Minimum loan amount is $5,000
- Minimum loan payment is $100.00/month
- Down Payment Requirements:
New Vehicles - 5.00%
Used Vehicles 5 Years or Newer - 10.00%
Used Vehicles Older than 5 Years - 30.00% - Vehicle values are determined by the NADA car guide
- Monthly payment based on 30 days to first payment
- Fire, Theft and Collision Insurance with a maximum deductible of $500.00 is required.
| Description |
Maximum Term in Months |
Annual Percentage Rate (APR) |
Monthly Cost Per $1000 Borrowed |
| Personal Loan | 12 | 12.00% | $88.83 |
| Personal Loan | 24 | 12.00% | $47.06 |
| Personal Loan | 36 | 12.00% | $33.20 |
Personal Loans - Details
| Details |
| Minimum loan amount is $1,000 |
| Maximum loan amount is $5,000 |
| Minimum loan payment is $75.00 / month |
Overdraft Protection
| Details |
| Annual Percentage Rate (APR): 13.75% |
| Minimum overdraft line is $500 |
| Maximum overdraft line is $2,000 |
| Minimum monthly payment is $25.00 / month |
Collateral Loans
| Details |
| Annual Percentage Rate (APR): 3.50% over what the account being held as collateral is currently earning. |
| Principal payback determined by the customer. Interest billed quarterly. |
| The APR may increase after consummation if the Annual Percentage Rate paid on the account being held as collateral increases. |
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DISCLAIMER: All product offers, rates, terms, and other information provided is subject to change without notice.


