Current Rates
View all current rates.
Consumer Loan Rates
Auto loans, Unsecured Personal Loans, Overdraft Protection, and Winchester Savings Bank CD- or statement savings-secured loans; these are the Personal loan products that are available to our customers. We offer very competitive rates, quick response to your credit request, and exceptional customer service. Your community bank is looking forward to assisting you with your credit needs.
Unsecured Personal Loan Rate
| Loan Type | Annual Percentage Rate (APR) | Maximum Term | Minimum Payment | Monthly Payment Per $1,000 Borrowed |
|---|---|---|---|---|
Unsecured Personal Loan ($1,000 - $10,000) |
16.50% |
36 months |
$75 |
12 months - $90.97 24 months - $49.20 36 months - $35.40 |
Unsecured Personal Loan Rate
| Loan Type | Unsecured Personal Loan ($1,000 - $10,000) |
|---|---|
| Annual Percentage Rate (APR) | 16.50% |
| Maximum Term | 36 months |
| Minimum Payment | $75 |
| Monthly Payment Per $1,000 Borrowed | 12 months - $90.97 24 months - $49.20 36 months - $35.40 |
Overdraft Protection
Overdraft Protection |
APR: 15.75%; Lines from $1,000 - $5,000 |
Minimum payment $25.00 |
Overdraft Protection
Overdraft Protection |
|
|---|---|
APR: 15.75%; Lines from $1,000 - $5,000 |
|
Minimum payment $25.00 |
Collateral Loan Rate
| Loan Type | Annual Percentage Rate (APR) | Features |
|---|---|---|
Collateral Loan |
12.00% |
|
Collateral Loan Rate
| Loan Type | Collateral Loan |
|---|---|
| Annual Percentage Rate (APR) | 12.00% |
| Features |
|
Vehicle Loan Rates - New
| Model Year Vehicle | Maximum Term in Months | Annual Percentage Rate (APR) | Monthly Payment per $1,000 Borrowed |
|---|---|---|---|
2026 - 2025 |
36 |
10.00% |
$32.27 |
48 |
10.25% |
$25.48 |
|
60 |
10.50% |
$21.49 |
|
72 |
10.75% |
$18.91 |
|
84 |
11.00% |
$17.12 |
Vehicle Loan Rates - New
| Model Year Vehicle | 2026 - 2025 |
||||
|---|---|---|---|---|---|
| Maximum Term in Months | 36 |
48 |
60 |
72 |
84 |
| Annual Percentage Rate (APR) | 10.00% |
10.25% |
10.50% |
10.75% |
11.00% |
| Monthly Payment per $1,000 Borrowed | $32.27 |
$25.48 |
$21.49 |
$18.91 |
$17.12 |
Vehicle Loan Rates - Used
| Model Year Vehicle | Maximum Term in Months | Annual Percentage Rate (APR) | Monthly Payment per $1,000 Borrowed |
|---|---|---|---|
2024- 2019 |
36 |
10.50% |
$32.50 |
48 |
10.75% |
$25.72 |
|
60 |
11.00% |
$21.74 |
Vehicle Loan Rates - Used
| Model Year Vehicle | 2024- 2019 |
||
|---|---|---|---|
| Maximum Term in Months | 36 |
48 |
60 |
| Annual Percentage Rate (APR) | 10.50% |
10.75% |
11.00% |
| Monthly Payment per $1,000 Borrowed | $32.50 |
$25.72 |
$21.74 |
DOWN PAYMENT REQUIREMENT
- New Vehicle, Model Year 2025 and 2026: 5.00%
- Used Vehicle, Model Years 2024 - 2022: 10.00%
- Used Vehicle, Model Years 2021 - 2019: 30.00%
Vehicle values are determined by the J.D. Power Guide
Monthly payment based on 30 days to first payment
No Lease Buyouts or Salvage/Auction Titles.
Fire, Theft and Collision Insurance with a maximum deductible of $500 is required
Private Sale Transactions require Buyer & Seller to be present at Main Branch closing
Refinances: Mass DOT Amend a Title Fee is $25.
MINIMUM LOAN AMOUNT: $5,000
Maximum Loan Amount, NEW Vehicle: $100,000
Maximum Loan Amount, USED Vehicle: $75,000
MINIMUM LOAN PAYMENT: $100/month
Contact Us
Questions? Contact our Residential & Personal Loan Department.