Current Rates
View all current rates.
Deposit Rates
Deposit Rates
At Winchester Savings Bank, we are dedicated to providing our customers with savings and investment products that offer real value, along with the courteous one-on-one service you can only find at a true community bank.
Personal Checking Accounts
| Description | Annual Percentage Yield (APY) | Interest Rate | Minimum Balance to Open Account | Minimum Daily Balance to Earn APY |
|---|---|---|---|---|
Completely Free Checking |
$10 |
|||
Easy Interest Checking |
0.01% |
0.01% |
$10 |
$10 |
50+ Advantage Checking |
0.01% |
0.01% |
$10 |
$10 |
Premier Interest Checking |
0.01% |
0.01% |
$10 |
$10 |
0.05% |
0.05% |
$1,500 |
Deposit Rates
At Winchester Savings Bank, we are dedicated to providing our customers with savings and investment products that offer real value, along with the courteous one-on-one service you can only find at a true community bank.
Personal Checking Accounts
| Description | Completely Free Checking |
Easy Interest Checking |
50+ Advantage Checking |
Premier Interest Checking |
|
|---|---|---|---|---|---|
| Annual Percentage Yield (APY) | 0.01% |
0.01% |
0.01% |
0.05% |
|
| Interest Rate | 0.01% |
0.01% |
0.01% |
0.05% |
|
| Minimum Balance to Open Account | $10 |
$10 |
$10 |
$10 |
|
| Minimum Daily Balance to Earn APY | $10 |
$10 |
$10 |
$1,500 |
Rates are effective as of the date published above and are subject to change without notice. Fees may reduce earnings.
Personal Savings Accounts
| Description | Annual Percentage Yield (APY) | Interest Rate | Minimum Balance to Open Account | Minimum Daily Balance to Earn APY |
|---|---|---|---|---|
High Yield Savings |
0.50% |
0.50% |
$10 |
$10 |
2.65% |
2.62% |
$25,000 |
||
2.65% |
2.62% |
$1,000,000 |
||
Statement Savings |
0.10% |
0.10% |
$10 |
$10 |
0.20% |
0.20% |
$50,000 |
||
0.30% |
0.30% |
$250,000 |
||
0.50% |
0.50% |
$500,000 |
||
Money Market Account |
0.20% |
0.20% |
$2,500 |
$10 |
1.25% |
1.25% |
$50,000 |
||
1.50% |
1.50% |
$250,000 |
||
1.50% |
1.50% |
$500,000 |
||
Special Money Market |
2.65% |
2.62% |
$2,500 |
$10 |
Club Account |
0.10% |
0.10% |
$10 |
$10 |
Passbook Savings |
0.10% |
0.10% |
$10 |
Personal Savings Accounts
| Description | High Yield Savings |
Statement Savings |
Money Market Account |
Special Money Market |
Club Account |
Passbook Savings |
||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Annual Percentage Yield (APY) | 0.50% |
2.65% |
2.65% |
0.10% |
0.20% |
0.30% |
0.50% |
0.20% |
1.25% |
1.50% |
1.50% |
2.65% |
0.10% |
0.10% |
| Interest Rate | 0.50% |
2.62% |
2.62% |
0.10% |
0.20% |
0.30% |
0.50% |
0.20% |
1.25% |
1.50% |
1.50% |
2.62% |
0.10% |
0.10% |
| Minimum Balance to Open Account | $10 |
$10 |
$2,500 |
$2,500 |
$10 |
|||||||||
| Minimum Daily Balance to Earn APY | $10 |
$25,000 |
$1,000,000 |
$10 |
$50,000 |
$250,000 |
$500,000 |
$10 |
$50,000 |
$250,000 |
$500,000 |
$10 |
$10 |
$10 |
Rates are effective as of the date published above and are subject to change without notice. Fees may reduce earnings.
Business Checking Accounts
| Description | Annual Percentage Yield (APY) | Interest Rate | Minimum Balance to Open Account | Minimum Daily Balance to Earn APY |
|---|---|---|---|---|
Completely Free Business Checking |
$10 |
|||
Business Interest Checking |
0.01% |
0.01% |
$10 |
$10 |
Commercial Checking |
$10 |
|||
IOLTA Checking |
0.20% |
0.20% |
$10 |
$10 |
Business Checking Accounts
| Description | Completely Free Business Checking |
Business Interest Checking |
Commercial Checking |
IOLTA Checking |
|---|---|---|---|---|
| Annual Percentage Yield (APY) | 0.01% |
0.20% |
||
| Interest Rate | 0.01% |
0.20% |
||
| Minimum Balance to Open Account | $10 |
$10 |
$10 |
$10 |
| Minimum Daily Balance to Earn APY | $10 |
$10 |
Rates are effective as of the date published above and are subject to change without notice. Fees may reduce earnings.
Business Savings Accounts
| Description | Annual Percentage Yield (APY) | Interest Rate | Minimum Balance to Open Account | Minimum Daily Balance to Earn APY |
|---|---|---|---|---|
High Yield Savings |
0.50% |
0.50% |
$10 |
$10 |
2.65% |
2.62% |
$25,000 |
||
2.65% |
2.62% |
$1,000,000 |
||
Business Statement Savings |
0.10% |
0.10% |
$10 |
$10 |
0.25% |
0.25% |
$50,000 |
||
0.40% |
0.40% |
$250,000 |
||
0.60% |
0.60% |
$500,000 |
||
Business Money Market |
2.65% |
2.62% |
$25,000 |
$10 |
Business Savings Accounts
| Description | High Yield Savings |
Business Statement Savings |
Business Money Market |
|||||
|---|---|---|---|---|---|---|---|---|
| Annual Percentage Yield (APY) | 0.50% |
2.65% |
2.65% |
0.10% |
0.25% |
0.40% |
0.60% |
2.65% |
| Interest Rate | 0.50% |
2.62% |
2.62% |
0.10% |
0.25% |
0.40% |
0.60% |
2.62% |
| Minimum Balance to Open Account | $10 |
$10 |
$25,000 |
|||||
| Minimum Daily Balance to Earn APY | $10 |
$25,000 |
$1,000,000 |
$10 |
$50,000 |
$250,000 |
$500,000 |
$10 |
Rates are effective as of the date published above and are subject to change without notice. Fees may reduce earnings.
CD and IRA Accounts
| Description | Annual Percentage Yield (APY*) | Interest Rate | Minimum Balance to Open Account | Minimum Daily Balance to Earn APY |
|---|---|---|---|---|
91 Day Certificate |
0.30% |
0.30% |
$500 |
$10 |
182 Day Certificate |
0.60% |
0.60% |
$500 |
$10 |
4 Month Certificate |
3.60% |
3.54% |
$500 |
$10 |
5 Month Certificate ** |
4.05% |
3.98% |
$500 |
$10 |
7 Month Certificate** |
4.07% |
4.00% |
$500 |
$10 |
9 Month Certificate |
0.50% |
0.50% |
$500 |
$10 |
11 Month Certificate |
3.50% |
3.45% |
$500 |
$10 |
1 Year Certificate |
0.45% |
0.45% |
$500 |
$10 |
15 Month Certificate |
0.50% |
0.50% |
$500 |
$10 |
18 Month Certificate |
2.75% |
2.72% |
$500 |
$10 |
2 Year Certificate |
2.52% |
2.49% |
$500 |
$10 |
3 Year Certificate |
0.70% |
0.70% |
$500 |
$10 |
5 Year Certificate |
0.80% |
0.80% |
$500 |
$10 |
Variable Rate Retirement |
2.65% |
2.62% |
$10 |
$10 |
CD and IRA Accounts
| Description | 91 Day Certificate |
182 Day Certificate |
4 Month Certificate |
5 Month Certificate ** |
7 Month Certificate** |
9 Month Certificate |
11 Month Certificate |
1 Year Certificate |
15 Month Certificate |
18 Month Certificate |
2 Year Certificate |
3 Year Certificate |
5 Year Certificate |
Variable Rate Retirement |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Annual Percentage Yield (APY*) | 0.30% |
0.60% |
3.60% |
4.05% |
4.07% |
0.50% |
3.50% |
0.45% |
0.50% |
2.75% |
2.52% |
0.70% |
0.80% |
2.65% |
| Interest Rate | 0.30% |
0.60% |
3.54% |
3.98% |
4.00% |
0.50% |
3.45% |
0.45% |
0.50% |
2.72% |
2.49% |
0.70% |
0.80% |
2.62% |
| Minimum Balance to Open Account | $500 |
$500 |
$500 |
$500 |
$500 |
$500 |
$500 |
$500 |
$500 |
$500 |
$500 |
$500 |
$500 |
$10 |
| Minimum Daily Balance to Earn APY | $10 |
$10 |
$10 |
$10 |
$10 |
$10 |
$10 |
$10 |
$10 |
$10 |
$10 |
$10 |
$10 |
$10 |
*The APY for Certificates of Deposit assumes principal and interest will remain on deposit until maturity. There may be a substantial penalty should the Bank consent to early withdrawals. Fees/charges could reduce earnings on these accounts. Rates are effective as of the date published above and are subject to change without notice.
**Rate applicable to new money only, not currently on deposit at WSB.
Contact Us
Questions? Contact our Residential & Personal Loan Department.